Loan Against Property

Potentially, yes. Depending on the borrower's age, income, property profile and lender policy, a BT may provide an opportunity to restructure the repayment tenure.

A longer tenure can reduce the periodic EMI burden, although it may increase the total interest payable over the life of the loan.

Yes. We can review the existing facility, including:

• Current outstanding
• Interest rate
• Remaining tenure
• EMI/repayment obligation
• Property value
• Existing liabilities
• Additional funding requirement

Based on the overall profile, we can explore options such as BT, BT + Top-Up, tenure restructuring or debt consolidation.

Debt consolidation involves using a secured property-backed facility to consolidate multiple eligible liabilities into a more structured repayment arrangement.

Depending on the lender's policy, eligible liabilities may include certain business loans, personal loans, credit facilities or other existing obligations.

Debt consolidation through LAP may help an eligible borrower:

• Combine multiple liabilities into a structured facility
• Reduce the number of monthly repayments
• Potentially reduce the overall interest burden where the new secured pricing is lower
• Improve monthly cash-flow management
• Extend repayment over a suitable tenure
• Release pressure on short-tenure or high-cost obligations

The actual financial benefit should be evaluated after considering foreclosure charges, processing fees, legal/technical charges and the total repayment cost.

Yes. Eligible businesses and promoters may explore property-backed funding for consolidation of existing business liabilities, subject to lender policy.

Aura Fund can assess the existing debt structure, business cash flows and available collateral to identify potential financing options.

Depending on the lender and transaction structure, funding may be arranged for commercial property acquisition, including certain shops, offices, commercial buildings and other eligible properties.

The appropriate product may be a commercial property purchase loan, LAP-backed structure or another suitable secured financing facility depending on the transaction.

Potentially, yes. An eligible existing property can sometimes be used as collateral to raise funds for acquiring another property, subject to lender policy, LTV, income/cash-flow assessment and the purpose of funding.

Aura Fund can evaluate the existing collateral and proposed acquisition together to determine the appropriate financing structure.

Yes. We evaluate specialised and non-standard collateral on a case-by-case basis.

Depending on lender appetite and transaction structure, this may include properties such as:

• Hotels and resorts
• Hospitals
• Schools and educational institutions
• Warehouses
• Factories
• Industrial properties
• PG/co-living assets
• Rental-generating commercial properties
• Specialised commercial assets

Acceptance depends on title, location, marketability, valuation, existing encumbrances, approvals, cash flows and the lender's credit policy.

Yes, eligible industrial properties may be considered by appropriate lenders.

The lender may evaluate the property's location, land and building components, title, approvals, usage, valuation, existing charge and the borrower's financial profile.

Potentially, yes. Such assets can require specialised underwriting because of their nature, approvals, operational cash flows and marketability.

Aura Fund can evaluate the asset and identify lenders that may have an appetite for the particular property and transaction.

Yes. Certain lenders offer financing structures against eligible rental-generating properties.

Depending on the transaction, the rental cash flow may be considered as part of the overall repayment assessment, subject to lease documentation, tenant profile, property quality and lender policy.

LTV varies depending on:

• Property type
• Property location
• Market value
• Borrower profile
• Income/cash flow
• Existing liabilities
• Loan purpose
• Lender policy

There is no single LTV applicable to every LAP transaction. The final eligible amount is determined after valuation and credit assessment.

LAP interest rates vary based on the lender, borrower profile, property, loan amount, LTV, credit history, business financials and other risk parameters.

Aura Fund can evaluate multiple lending options to identify applicable pricing and structure.

Indicative commercial property-backed funding may start from approximately 8% p.a.^** (conditions apply) for eligible profiles, subject to lender terms and prevailing market conditions.

LAP tenure varies by lender and borrower profile. Depending on the product, age, income, property and lender policy, repayment tenure may extend for several years.

A longer tenure can help reduce periodic repayment obligations, while a shorter tenure can reduce the overall interest outgo. The appropriate tenure should therefore be evaluated based on the borrower's cash flow and funding objective.

Yes. Eligible businesses may use property-backed funding for working capital or business-related requirements, subject to the lender's permitted end-use.

The appropriate structure may include LAP, overdraft, working capital facility or another secured business funding product.

Yes, subject to lender-approved end-use. LAP can potentially be used for purposes such as business expansion, equipment or machinery acquisition, working capital and other eligible business requirements.

Yes. Salaried and Self-employed individuals, professionals, proprietors, partnership firms, LLPs and companies may be considered, depending on the product structure and lender's eligibility criteria.

The lender may assess income tax returns, financial statements, GST records, banking transactions, business vintage, profitability and existing obligations.

Yes. Multiple existing loans do not automatically make a borrower ineligible.

The overall debt position, repayment track record, income/cash flow and collateral can be assessed to explore options such as BT, top-up or debt consolidation.

Our process is designed to evaluate the requirement from both the borrower's and lender's perspective.

Requirement Assessment → Property & Financial Evaluation → Lender Mapping → Proposal Structuring → Documentation → Credit Coordination → Sanction → Disbursement

We coordinate with relevant lenders to help make the process more organised and efficient.

Yes. We can review the broad reasons for rejection, subject to the information available, and assess whether an alternative lender or financing structure may be appropriate.

However, approval cannot be guaranteed, and every lender follows its own credit policies.

Not necessarily in every situation. Secured loans may carry different pricing because property is offered as collateral, but the overall cost should be evaluated after considering interest, fees, tenure and other applicable charges.

Aura Fund can help compare the available financing structures based on the requirement.

An existing charge does not necessarily prevent refinancing. A Balance Transfer may allow the existing lender's loan to be taken over by another lender, with additional funding potentially structured as a top-up, subject to eligibility.

Aura Fund combines lender access, secured lending expertise and structured financial advisory to evaluate LAP requirements.

We assist with:

• Loan Balance Transfer
• BT + Top-Up
• Interest-rate and tenure optimisation
• Debt consolidation
• Commercial property acquisition
• Working capital against property
• Large-ticket secured funding
• Specialised collateral
• Complex property-backed transactions

Our objective is to identify an appropriate financing structure based on the borrower's requirement, financial profile and available collateral.