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📍 Serving Pune & PCMC · Since 2022

Loan Against Property in Pune

Turn your residential, commercial or industrial property into large funding — for business expansion, working capital, purchase or any need — while you keep full ownership.

Funding from ₹30 Lakh to ₹15 Crore*
Check your eligibility Call an advisor
★★★★★ 5.0 · 52 Google reviews · Video-verified business
Loan Against Property, explained

What is a loan against property?

A loan against property — also called a mortgage loan — is a secured loan where you pledge a property you own as collateral to raise a large amount of funds. You continue to own and use the property throughout the loan tenure. Because it is secured, a loan against property in Pune usually offers a higher loan amount, a longer repayment tenure and more attractive interest rates than an unsecured loan.

At Stay Insure Financial Services, we help property owners across Pune and PCMC arrange the right LAP from our network of partner banks and NBFCs. Whether you own a home, a shop, a commercial unit, an industrial property or a plot, we compare offers so you get funding that fits your business and repayment comfort.

Every kind of property

Properties we arrange loans against

From homes to factories, we facilitate funding against a wide range of properties — including special categories that many lenders hesitate on.

Residential property loan

Loan against your house, flat or bungalow while you keep living in it.

Commercial property loan

Offices, shops, showrooms and other commercial units — a low-competition, high-value option for business owners.

Industrial property loan

Factories, warehouses and units in Bhosari, Chakan and other MIDC belts.

Commercial land & open plots

Loan against commercial land and approved-layout open plots.

NA & Gram Panchayat property

Funding on NA plots and Gram Panchayat property, subject to lender norms.

Hotels, schools & more

Hotels, lodging, schools, colleges, hostels and other special properties.

Earn rent? Borrow against it.

Lease Rental Discounting (LRD)

If you own a commercial or residential property that is leased out, Lease Rental Discounting lets you raise a loan against its future rental income — not just its market value. Because the lender also counts your confirmed rental cash flow, LRD can unlock higher funding for property owners with tenanted assets. Ideal for landlords of offices, showrooms and leased commercial buildings across Pune.

Why a LAP works

Features & benefits

High funding: ₹30 Lakh–₹15 Crore*

Raise a large amount based on your property value and income.

Attractive interest rates*

Competitive ROI as it is a secured loan; final rate depends on profile & lender.

Balance transfer + top-up

Move an existing LAP for better terms and get extra funds on top.

Funds for any purpose

Business expansion, working capital, purchase, education, marriage or medical.

Long, comfortable tenure

Repay over a longer period to keep EMIs manageable.

Salaried, self-employed & rental income

We consider a wide range of income profiles, subject to eligibility.

Who can apply

Eligibility for LAP in Pune

  • Salaried individuals with a stable income
  • Self-employed professionals & business owners
  • Companies, firms & partnerships
  • Property owners earning rental income (LRD)
  • Property located in or around Pune & PCMC
Keep these ready

Documents required

  • KYC — ID & address proof
  • Income proof — salary slips, ITR or business financials
  • Bank statements (recent months)
  • Property ownership & title documents
  • Existing loan statement (for balance transfer)

The exact document list depends on your profile and the chosen lender. Our team guides you through the complete checklist so nothing is missed.

Why Stay Insure

A trusted loan partner in Pune

We are not a single bank — we compare offers from multiple partner Banks and NBFCs, so you get funding that actually fits your property and profile.

5.0★Rated by 52 Google reviews from real customers
₹15 Cr*Funding arranged against eligible property
1 placeMultiple Banks & NBFCs compared for you
Simple & guided

How to get your loan against property

Share your requirement

Tell us your property type and funding need for a free eligibility check.

Submit documents

We help you compile KYC, income and property papers correctly.

Valuation & offers

Property is valued and we compare offers from partner lenders.

Sanction & disbursal

On approval, the loan is sanctioned and funds are disbursed.

Common questions

Loan against property — FAQs

How much loan can I get against my property in Pune?+
Stay Insure facilitates a loan against property from ₹30 Lakh up to ₹15 Crore, based on your property value, income and the lender's policy. The final amount is confirmed after property valuation and eligibility assessment.
Can I get a loan against commercial or industrial property?+
Yes. Loans against commercial property, business property, industrial units and commercial land are a core part of what we arrange — especially for business owners across Pune and PCMC, including MIDC belts like Bhosari and Chakan.
What is Lease Rental Discounting (LRD)?+
LRD is a loan against the future rental income of a leased commercial or residential property. Since the lender considers your confirmed rental cash flow, it can help you unlock higher funding on a tenanted property.
What is the interest rate on a loan against property?+
Because a LAP is secured against property, interest rates are usually more attractive than unsecured loans. The exact rate depends on your income profile, property type, loan amount and the chosen lender. We compare partner lenders to help you get a competitive rate.
Can self-employed people and business owners apply?+
Yes. Salaried individuals, self-employed professionals, business owners and companies can all apply. Rental income is also considered, subject to eligibility and lender policy.
Can I transfer my existing LAP to reduce my EMI?+
Yes. Through a balance transfer you can move your existing loan against property to a lender with better terms, and a top-up loan can give you additional funds over your current outstanding — subject to eligibility.

Check your loan-against-property eligibility — free

Talk to a Stay Insure advisor in Pune. No obligation, no cost.

📞 +91 95036 77200 Email info@stayinsure.in

*All loans are subject to eligibility, income and property assessment as per the partner lender’s policy. Stay Insure Financial Services Pvt. Ltd. facilitates loans as a channel partner/DSA of multiple Banks & NBFCs; loan sanction, amount, interest rate and terms are at the sole discretion of the lender. Figures such as ₹30 Lakh–₹15 Crore and any rates or offers are indicative and not a guarantee of sanction.

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