Loan Against Property (LAP)

Did you know a Loan against your Property can help you unlock the hidden equity in your property holdings? Along with that, did you know that the rate of interest is lower than Personal loans?

So, why overthink?

Clix has got your back!

A Loan Against Property is a line of credit through which you can borrow money using property as a collateral and repay in EMIs over time. This makes LAPs one of the cheapest and most pocket-friendly loans out there!

With a Clix LAP Loan, you can get a loan for expanding capacity or meeting capital requirements as well as to satisfy personal needs such as financing your child’s education, debt consolidation of events, etc. We offer you customised micro and macro loans which are in your favour to meet your planned and unplanned expenses.

Is there any business facet that we missed?

Make an inquiry right away!

Apply Now

What Documents Do I need to provide?

Completed Application Form

  • We will provide you with the run-of-the-mill-application form to detail out all the information that we require to disburse your loan

Passport-Size Photograph

  • This photo should be fairly recent and indicative of your current physical appearance

Identity (ID) Proof

  • This can be Aadhaar Card/ Pan Card/ Government ID (If you happen to be a government employee)

Address Proof

  • Your Aadhaar Card is the go- to- document here. In case your current address is not updated in Aadhaar Card, one certified copy of any Official Valid Document (OVD) is required. These OVD’s are either your Passport, Voter ID or Driving License. Your utility bills from last 2 months may also apply here

For Salaried Individuals

  • A salary slip for the past 3 months. A copy of the latest Form 16. Updated bank statements showing salary and saving entries for the 6 months

For Self- Employed Individuals

  • Business profile- A note of information on the nature of the business/ profession, form of organization, clients, suppliers etc. Last 6 months main operative bank statement. Last 2 years Income Tax Returns and financials, including balance sheets and profit and loss accounts of the business/ profession

*Please note that while only scans or photocopies of your documents are required while applying for a loan, you might want to carry original documents in case of verification. Approving the loan application is at the sole discretion of Clix; we might ask for further documents for a more thorough assessment of your loan

How Do I Apply For a Loan?

application form
  • Fill our application form. It only takes 3 minutes to do so!
online chat
  • Our customer representative will talk to you for a quick chat
loan approved
  • Congratulation! You’re on your way to secure a loan against property


What is the minimum loan amount I can avail?

At Clix, you can apply for a housing loan that ranges from 10 lakhs to 1.5 Crore

What will be the tenure, interest rate and EMI of loan against property?

At Clix, we provide loans for the tenure of 15 years – however, this figure is dependent on the age and income of the borrower. You can also choose customised repayment (EMI) and down payment options.

What Security/ collateral do I need to provide?

Generally speaking, the security that you need to provide for the loan is the first and exclusive charge of the property to be financed. In this situation, the deposit of title deeds and/or other such collateral security is to be done as deemed necessary. The title to the property should be clear, marketable and free from any encumbrances. The property should also be within geographical limits of the cities where Clix has a branch office

What is the concept of EMI?

You repay a loan in Equated Monthly Instalments (EMIs) – an amount that combines your principal and interest. Your EMIs begin the month after your full loan amount is disbursed.

What is the pre-EMI?

The pre-EMI is the interest you paid on the loan amount you receive before your EMI period begins. This usually happens in either self-construction or construction stage-linked/partly-disbursed cases.

What is an amortisation schedule?

An amortisation schedule has details on how you can repay your loan, as well as the division between principal and interest charged in each EMI.

How can I reach out to Clix for any other information on my Loan against property?

Just call us on our toll-free number at +91-120-6465400 between 9:30am-6:30pm from Monday to Saturday (barring public holidays). Alternatively, you can also write to us at to resolve your queries around getting an LAP.

Don’t worry, there are no consultation charges!

What if I have any other query when it comes to these loans?

It’s possible that some questions you might have aren’t answered in these FAQs. However, don’t worry – Clix has a Most Important Terms & Conditions (MITC) that you can read through to get all the clarity you would need on our loan structure. Please keep in mind that certain factors might vary based on the type of loan and our customer representative will clarify the same if need be. And In case your query is not listed here, please feel free to reach out to us and we’ll take it from there.

Click here and get ready for success

Apply now for simple, fast, and accessible loans for business from Clix.

Apply Now

icici banner