PAUL MERCHANTS FINANCE

Unlock Your Property's True Value

Get Loans against residential, commercial, and industrial property

  • Competitive interest rates from 11% p.a.
  • Fast Processing
  • Easy documentations

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Smart Calculator

EMI Calculator

Calculate your monthly EMI and plan your loan with our easy-to-use calculator

Loan Details
Adjust the sliders to calculate your EMI
₹
₹

Maximum: ₹ (75% of property value)

years
%
Monthly EMI

33,162

per month

Loan Summary
Principal Amount ₹
Total Interest ₹
Total Payable ₹
Tailored Solutions

Our Loan Schemes

Choose the perfect scheme designed specifically for your profession

SAMRIDDHI
Self-Employed Professionals

SAMRIDDHI

Empowering Doctors, CAs, Architects & Consultants

Higher loan eligibility based on income potential

Minimal /EASY documentation and quick sanction

Balance transfer options available

SAFAL
Traders & Entrepreneurs

SAFAL

Supporting traders, shop owners & business entrepreneurs

Higher LTV and business-friendly eligibility

Easy balance transfer and quick approvals

Ideal for business expansion or working capital

SRIJAN
Real Estate Builders

SRIJAN

For builders and developers on RERA-approved projects

Structured repayment aligned with project cashflows

High-value funding with quick disbursal timelines

Dedicated relationship team for seamless servicing

SAHARA
Salaried Professionals

SAHARA

Competitive interest rates for salaried professionals

Higher LTV with flexible EMIs for salaried individuals

Quick approvals and simple documentation

Ideal for education, marriage, or personal aspirations

Our experts will help you choose the right scheme

Key Benefits

Why Choose Paul Merchants Finance?

Unlock the power of your property with our comprehensive loan solutions

High Loan Amount

Get up to 75% of your property value with loan amounts ranging from ₹10 lakhs to ₹5 crores

Competitive Rates

Enjoy attractive interest rates starting from 11% with flexible repayment options

Long Tenure

Flexible repayment tenure up to 15 years, making EMI affordable and manageable

Minimal Documentation

Simple and quick approval process with minimal paperwork and hassle-free processing

Multiple Use Cases

Use funds for business expansion, education, medical needs, or debt consolidation

Property Stays with You

Continue living in or using your property while the loan is active

7-Step Process

How It Works

From application to disbursement in 7 simple steps

1

Apply

Fill out our simple application form with basic property and personal details

2

Document Verification

Submit required documents for quick verification and property assessment

3

Financial Eligibility

We assess your financial profile and determine your loan eligibility

4

Property Valuation

Professional valuation of your property to determine the final loan amount

5

Approval

Get instant loan approval based on eligibility and property valuation

6

Documentation

Complete final paperwork and sign loan agreement documents

7

Disbursal

Receive funds directly to your account safely and securely

Accepted Properties

Property Types We Accept

Get loans against various types of properties with clear ownership

Residential Property
Residential Property

Independent houses, apartments, villas, and plots with residential construction

Commercial Property
Commercial Property

Office spaces, retail shops, showrooms, and commercial complexes

Industrial Property
Industrial Property

Warehouses, factories, manufacturing units, and industrial land

Eligibility Criteria

Check if you meet our simple eligibility requirements

Who Can Apply?

Age: 25 to 70 years for salaried individuals

Age: 25 to 65 years for self-employed individuals

Minimum monthly income: ₹25,000 for salaried

Minimum annual income: ₹3 lakhs for self-employed

Credit score: 650 or above (higher scores get better rates)

Property must have clear title and legal documentation

Residential, commercial, or industrial properties accepted

Property should be within approved locations

Documentation

Required Documents

Download our comprehensive document checklist for a smooth application process

Document Checklist

Get a complete list of all required documents including identity proof, address proof, income proof, and property documents needed for your loan application.

📄 Includes all 4 categories with 25+ document types

Customer Reviews

What Our Customers Say

Trusted by thousands of satisfied customers across India

"Got my LAP approved in just 5 days! The process was smooth and the team was very helpful. Used the funds to expand my manufacturing unit."

Rajesh Kumar

Rajesh Kumar

Business Owner, Chandigarh

"Excellent service and competitive interest rates. The calculator helped me plan my EMIs perfectly. Highly recommend for business funding needs."

Priya Sharma

Priya Sharma

Entrepreneur, Panchkula, Haryana

"Professional team and transparent process. Got the best rates in the market for my commercial property. Very satisfied with the service."

Amit Patel

Amit Patel

Real Estate Developer, Pathankot, Punjab

Frequently Asked Questions

Find answers to common questions about Loan Against Property

What is a Loan Against Property (LAP)?

LAP is a secured loan where you mortgage your property to get funds for personal or business needs. You can continue using the property while the loan is active.

How much loan can I get against my property?

Typically, you can get up to 60-75% of your property's market value as a loan. The exact amount depends on property valuation, your income, and credit profile.

What are the interest rates for LAP?

Interest rates for LAP start from 11% onwards per annum, depending on your credit score, property type, loan amount, and tenure. Higher credit scores usually qualify for lower rates.

How long does the approval process take?

Once you submit all required documents, the approval process typically takes 7-10 working days. Property valuation may take an additional 2-3 days depending on location.

Can I prepay my LAP before the tenure ends?

Yes, we at Paul Merchants allow prepayments. Always check your loan agreements for specific terms and conditions regarding prepayments.

What happens if I cannot repay the loan?

If you default on the loan, Paul Merchants has the right to take possession of the mortgaged property and sell it to recover the outstanding amount. It's important to maintain timely EMI payments.

Can I use LAP funds for any purpose?

Yes, LAP is typically a non-purpose loan. You can use funds for business expansion, education, medical needs, debt consolidation, or any other legitimate purpose. You have to declare your purpose of loan before availing the loan.

Is property insurance mandatory for LAP?

Yes, property insurance is required throughout the loan tenure to protect against damage or loss. This ensures the collateral maintains its value.

Legal Information

Read our important terms, rates, and conditions

Apply for Loan

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Loan Application Form
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