EZ Loan Against Property, Unlock the Value of Your Property
Get a Long-Term Loan Against Property of up to ₹15,00,000.
Safe and Secure
2-3 Minute Process
Funds next Business Day
Connect for More Details on EZ LAP Loan?
More than 8,000 loans disbursed across 43 cities and towns, empowering individuals to bring their ambitions to life.
Make Your Property Work For You
EZ LAP is designed for individuals who own residential or commercial property and need funds for growth, consolidation, or life’s big needs. Whether you’re expanding your business, funding your child’s education, or handling a financial emergency, your property can now work for you.
We offer secured loans backed by your property, with simple documentation, multiple income clubbing options, and flexible repayment tenures. It’s a fast and reliable solution when you need substantial funding.
Loan Features
- Loan Amount: ₹2,00,000 – ₹15,00,000
- Loan Tenure: minimum 24 months to maximum 120 months
- Interest Rate: up to 22%
- Property Types: residential, commercial, mixed-use
- Who can apply: SEP, SENP and salaried
Loan end Use
- Working Capital
- Business Expansion (including Promotion)
- Purchase of Business Equipment
- Debt Consolidation
- Education Expenses
- Marriage Expenses
- Building a Dream Home
- Renovation or Improvement of Home, Shop, or Business Premises
Testimonial
Ravish
Small Business Owner
“I’m truly thankful to EZ Capital for giving me a loan when I needed it the most. During the COVID lockdown, my business suffered badly. But with a loan of ₹5,10,000 from EZ Capital, I was able to rebuild and strengthen it. Today, my business is doing really well, I am making good profits, I have 5 active sites, and 4 labourers working under me.”
Rajkumar
Hardware Shop Owner
“I took a loan from EZ Capital for my hardware shop because I wanted to grow my business. The process was surprisingly fast and smooth, I didn’t have to run around or wait for months. I’m really happy with how everything worked out, and I’m truly grateful to the EZ team for supporting me when I needed it the most.”
Devender Singh
Small Business Owner
Who Can Apply?
Self-Employed Individuals & Small Business Owners
- Retail traders: grocery, medicine, electronics, apparel, footwear, etc.
- Service providers: garages, tailors, florists, salons, eateries, home-based producers
- Local manufacturers, artisans, handicraft sellers, and micro-enterprises
- Women entrepreneurs and family-run cottage industries
- Cash-based businesses are considered (with field validation and documentation)
Salaried Professionals (Including Cash Salary Earners)
- Individuals employed in private companies, public sector units, or government offices
- Salaries received in cash or via bank are both acceptable (subject to income assessment)
- Job must be permanent or long-term; short-term or irregular jobs are not eligible
- Applicants paid “in kind” (with goods or services) are not eligible
Property Guidelines & Documentation Requirements
For Property Allowed:
- Residential (Self-occupied / Rented)
- Commercial (Self-occupied / Rented)
- Mixed Use (Residence + Office)
- Freehold, Leasehold (with permission to mortgage)
Not Allowed:
- Agricultural land, industrial properties, plots
Balance Transfer:
- RTR for last 9 months (via bank or statement)
- LOD from current lender (with list of original/paper docs)
- Affidavit to submit originals within 20 days
- Assistance from our legal team to collect documents safely
Collateral Requirements:
- Clear 13-year title chain
- Minimum road width: 6 ft
- Properly defined boundaries
- Possession proof mandatory
- No vacant properties allowed
- Minimum property standards to be confirmed via legal/technical check
Secure. Flexible. Fast.
Use the value of your property to get funds for what matters.
100% Secured & Transparent
No hidden conditions, just straightforward finance. Apply with confidence today!
Simple 3-Step Loan Process
Apply Online or at Branch
Fill a simple form online or walk into your nearest EZ Capital branch.
Assessment & Valuation
We verify your documents and get your property valued by our empanelled experts.
Approval & Disbursement
Once approved, you get a quick disbursal directly into your account.
Fast Funds, Less Hassle, Choose EZ LAP
- Loans up to ₹15,00,000 backed by your property
- Flexible repayment up to 120 months
- Low CIBIL? Not a deal-breaker, your property is the key
- Cash income accepted (as per policy)
- Right amount, fast disbursal, less hassle
- Simple documentation, fast approvals
- Trusted and chosen by thousands of people across India
Loans That Support What Matters Most
- Grow your business without draining your savings
- Upgrade your home with ease and flexibility
- Cover education, healthcare, or unexpected expenses
- Consolidate debt and strengthen your financial position
Apply Now!
Ready to Apply?
Z Saral Loan empowers small business owners, salaried professionals, and entrepreneurs to dream big, and grow even bigger. Start your journey today.
Frequently Asked Questions
Have questions about EZ LAP? We’ve got the answers.
1. What is LAP (Loan Against Property) from EZ Capital?
EZ LAP is a secured loan where your residential or commercial property is used as collateral. It allows you to borrow funds between ₹2,00,000 and ₹15,00,000, depending on your property’s market value and your income eligibility. The funds can be used for a wide range of personal or business needs, like business expansion, education, or emergency expenses, but not for speculative purposes like trading or investing in real estate.
2. Is EZ LAP a secured loan?
Yes, EZ LAP is fully secured against immovable property. This means your loan eligibility depends more on your property’s value and ownership documentation than your credit score alone. It’s ideal for borrowers who may not have a high CIBIL score but own qualifying property.
3. Who is eligible to apply for a LAP?
We accept applications from:
- Salaried individuals with permanent jobs in government, public, or private sectors
- Self-employed professionals and business owners (retailers, traders, service providers)
- Applicants with income from rent, pension, or agriculture (subject to caps)
- Cash income earners (subject to income assessment and documentation)
To qualify, you must have:
- Minimum 3 months in current business or job
- Valid proof of income (even if informal)
- Acceptable property within 50 km of our branch
Not Eligible:
- Daily wage laborers or workers paid entirely in kind
- Properties in dispute, industrial/agricultural land, or vacant plots
4. Can I apply for LAP without income proof?
You can apply even with limited formal income documents, depending on your profession and property. We assess income through alternate documents like bank statements, rent receipts, or household cash flow estimations. However, some form of income validation is still required, especially if you’re self-employed.
5. Can I combine income with family members to increase eligibility?
Yes. We allow income clubbing of up to 4 members, including spouse, parents, or adult children. You can club:
- Salaries
- Business income
- Rental income
- Pension (up to 50% Counted)
- Agricultural income (up to 30% with approval)
This makes it easier to qualify for a higher loan amount, especially for joint families or multi-earning households.
6. How much loan can I get against my property?
Loan amount ranges from ₹2,00,000 to ₹15,00,000, based on:
- Market value of your property (as per our valuation)
- Combined household income
- FOIR (Fixed Obligation to Income Ratio), capped at 50%
- Eligibility model (Assessed income vs. declared income)
LTV (Loan-to-Value) ratios and final loan amount are subject to internal risk and legal checks.
7. What is the tenure of EZ LAP and can I repay it early?
Loan tenure starts from 12 months up to 84 months. Extensions up to 120 months are allowed in some cases with management approval. You can prepay or foreclose the loan early. Prepayment charges (if any) are as per EZ Capital’s latest policy.
8. Do I need a good CIBIL score to get a LAP?
A strong CIBIL score helps, but it’s not mandatory. Since this is a collateral-based loan, we focus more on:
- The quality and legality of your property
- Income capacity (even informal)
- Title clarity and valuation
Low or no credit history is not a deal-breaker.
9. What type of property is accepted for EZ LAP?
We accept:
- Self-occupied residential properties
- Commercial or mixed-use properties (part residential, part commercial)
- Rented properties, if owned and producing income
Key criteria:
- Must be within 50 km of a branch (extensions allowed with approval)
- Proper road access (min. 6 ft wide)
- Must not be under dispute or under acquisition
- Full 13-year title chain required, unless recently registered and traceable
We do not accept:
- Vacant plots
- Agricultural or industrial land
- Properties without possession proof
10. Is property valuation mandatory?
Yes, one technical property valuation is mandatory. It includes:
- Site visit by empanelled valuer
- Road width, built-up area, and usage checks
- Market value estimation
- Occupancy and boundary verification
Loan amount is sanctioned only after valuation and legal title check.
11. What documents are required for EZ LAP?
Basic documentation includes:
For Applicant(s):
- PAN and Aadhaar
- Address proof
- Income proof (salary slips, bank statements, business bills, etc.)
- Proof of employment or business continuity
For Property:
- Registered Sale Deed / Title Document
- Electricity or water bill (last 3 months)
- Tax Receipts
- No Encumbrance Certificate (as needed)
- Property layout / map (if available)
Other documents may be requested depending on the profile.
12. Can I use LAP funds for personal needs or emergencies?
Yes. LAP can be used for a wide range of personal and professional needs, such as:
- Business expansion or capital boost
- Education or tuition fees
- Home/shop renovation
- Medical emergencies
- Family events (wedding, travel, etc.)
- Debt consolidation (with proper declaration)
You cannot use EZ LAP funds for:
- Gambling, trading, or speculation
- Construction or buying of real estate
- Any unlawful or unapproved purpose
13. Can I transfer my existing LAP (Loan Against Property) from another lender to EZ Capital?
Yes, you can move your current LAP to EZ Capital through a balance transfer, but a few conditions must be met:
- You should have paid EMIs for at least the last 9 months on your current loan
- Your current property must have a registered mortgage
- The property should meet all legal and technical checks by our team
- We need a letter from your existing lender listing which documents are original and which are photocopies
- Everyone who is part of the existing loan must also be part of the new loan with EZ Capital
- You’ll need to sign an affidavit promising to submit the original property papers within 20 days of getting the new loan
- Our team (or our authorized lawyer) will collect the original property documents from you in person
This way, you can switch to better loan terms, like lower interest or longer repayment, with full clarity and support.
14. Is insurance mandatory for EZ LAP?
Yes. Loan protection insurance is mandatory to cover the full loan tenure. This protects both the borrower’s family and the lender in case of unforeseen circumstances like illness or death. Exceptions can be considered with senior management approval in specific cases.
15. How fast can I get the LAP disbursed?
Our LAP process is quick and efficient. If your documentation and valuation are complete, loan approval can happen within a few working days. Disbursal is done instantly upon signing of agreements and mortgage registration.
