Home financing, two ways

Whichever stage of property ownership you're at, there's a Nivasa Capital product built for it — with LAP, our flagship product, leading the way.

Flagship product

Loan Against Property

Unlock the value of a residential or commercial property you own to fund business expansion, education, medical needs, or other large expenses — a doorstep mortgage product built around a single verification visit.

  • Loan-to-value based on property type and location
  • Flexible tenure with structured EMIs
  • Self-employed and salaried applicants eligible
  • One-time doorstep property title and valuation verification
Enquire about LAP

Good to know

Loan Against Property is a secured loan — your property is pledged as collateral. Read the Fair Practices Code for how we handle recovery and default.

Also available

Home Loan

Finance the purchase, construction or improvement of your home with a loan built around your actual income — not just your paperwork.

  • Loan amount: ₹5 lakh – ₹50 lakh*
  • Tenure: up to 20 years*
  • For salaried, self-employed and informal-income applicants
  • Purpose: purchase, construction, or home improvement
  • One-time doorstep document collection and verification
Apply for a Home Loan Calculate EMI

Before you apply


See what you'll need: Documents Required →

*Rates, tenures and loan amounts are indicative and subject to credit assessment, property/income documentation, and RBI/internal policy at the time of application.