A Loan Against Property DSA coordinates a property-backed borrowing enquiry; the lender decides whether both the borrower and property satisfy its current policy. Ownership, title, use, location, valuation and repayment capacity are separate parts of that decision.
Start with ownership and purpose
Confirm who owns the property, whether there are co-owners or an existing mortgage, and why funds are required. Do not represent a property as eligible before lender review.
Property records
Depending on the property and location, a lender may ask for title documents, approvals, tax records, society or builder papers, co-owner information and existing-loan records. The lender controls the formal legal, technical, valuation and inspection process.
LTV is lender-dependent
Loan-to-value compares the proposed loan with the value accepted by the lender. It is not calculated from the owner's estimate alone. Residential, commercial, industrial, leased, self-occupied and other property categories can receive different treatment under different policies.
Avoid quoting a universal LTV band or telling a customer that a property value automatically supports a particular loan amount.
Repayment capacity still matters
Property security does not replace income assessment. Lenders may review personal or business income, banking, ITRs, financial statements and existing obligations according to borrower type and product.
Open land and industrial property
Do not use blanket acceptance or rejection statements. Treatment can depend on land use, construction, zoning, approvals, title, location and the selected lender's policy.
Frequently Asked Questions
Q: Can a DSA value the property?
A: No. The lender applies its own valuation and acceptance process.
Q: Is income evidence needed for a secured loan?
A: Lenders assess repayment capacity, but the accepted evidence varies by borrower and product.
Q: Can a DSA promise a LAP timeline?
A: No. Title, valuation, verification and sanction conditions can affect processing.
Q: Can every property type be used for LAP?
A: No. Property type, use, title, approvals, location and the selected lender's current policy determine whether a case can be reviewed.
Continue to the commercial Loan Against Property DSA page.
*Shreeji Finance is a DSA/referral partner platform and loan-assistance intermediary, not a lender. The relevant lender decides eligibility, pricing, sanction, approval, credit limit and disbursal. Product and lender availability varies by location, profile, serviceability and current policy. Commission structure and eligibility vary and become payable only under applicable terms after the relevant bank or lender confirmation; no approval, income or payout should be treated as certain.*
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