Name: LAP Enquiry
Price: 25 INR
Availability: InStock

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Terms & Conditions
Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using our webstore operated by our company/entity. ("us", "we", or "our"), or the services provided therein (the “Service”).  These Terms apply to all visitors, users and others who access or use the Service. 
Your access to and use of the Service is conditional upon on your acceptance of and compliance with these Terms.  By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms, do not access or use the Service. 
We reserve the right to revise these Terms from time to time. Please check these Terms from time to time for any amendments. Your continued use of the Service after these Terms have been amended will be deemed to constitute your acceptance of the amended Terms.


Placing an Order
To place an order through our webstore, click on the product that you wish to purchase and follow the onscreen instructions. Your purchase of the product shall be subject to the terms and conditions contained in our webstore in relation to the product.    
You should take care to ensure that all the information you provide to us is correct. Please check your Order before submitting it to us. If you are placing an Order for a product which is digital content, you must check that the specifications of your computer or device meet the hardware and software requirements.
After you have placed an Order, we will send an email to you acknowledging that we have received your Order. This acknowledgement does not, however, mean that your Order has been accepted by us.
We are not obliged to accept your Order and may at our discretion decline to accept any Order. In the event we decline to accept an Order, we may send an email to you notifying you that we do not accept your Order. This is typically for the following reasons:
a.	the product is not available;
b.	we cannot authorise your payment;
c.	you are not allowed to purchase the Product from us under the applicable law;
d.	we are not allowed to sell the Product to you under the applicable law; or
e.	there has been an error in the pricing or description of the product.


When we accept your Order, we will confirm such acceptance by sending an email to you confirming that we have received your Order and will be preparing to ship the product to your address or, in the case of Products which are digital content, providing you with instructions on how the digital content can be downloaded (“Confirmation Email”). A binding contract in respect of the product ordered will be formed between you and us when the Confirmation Email is sent to you.


Cancellation & Refund
If you change your mind, or the product you received is not what you expected or are otherwise not satisfied with our product, please contact us before returning the item. 
You have [fourteen days] to return an order after receiving it.
If the product or packaging is used or damaged, we reserve the right to deduct any depreciation in value when refunding the product. 
Unless otherwise agreed upon, the refund will be processed through the same payment method you used to make your original purchase.


Shipping & Delivery
Products in stock are normally delivered within the number of working days shown on our website.
We will deliver the Products to the address given in your Order. If no one is at the address at the time of delivery, we will inform you of an alternative time for the delivery or a location where you can collect the Products.
Unless arrangements are made with us, you must cover the cost of the return. We reserve the right to not allow for returns or exchanges to our products. 
Please note that exceptions may apply for the return of certain custom-made, hygienic and other products
You are responsible for any damage incurred by items during the return shipment. We therefore strongly recommend that you send the products well packaged, in good condition and in their original box and/or packaging.
If possible, please provide us with a tracking number for the return shipment.
If a returned item is shipped internationally, mark as “RETURNED GOODS” to avoid any Customs charges. We are not responsible for any charges imposed on packages returned by Customs.
If you have any questions, please contact us.


Disclaimer
The information contained on our webstore is for general information purposes only. We assume no responsibility for errors or omissions in the contents of our webstore or in the course of providing the Service. In no event shall our company be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of our products, our webstore or the Service. 
We reserve the right to make additions, deletions, or modification to the contents on the webstore at any time without prior notice. We do not warrant that the webstore is free of viruses or other harmful components. 
You agree that we do not make any representations or warranties of any kind (implied, express or statutory) including warranties as to merchantability, satisfactory quality or fitness for a particular purpose, in respect of our products and/or the Service.  In addition, we do not make any representations or warranties that any digital content which we supply to you is (i) compatible with any third party software or equipment; or (ii) free of errors or bugs.


Privacy
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. 
We may use your Personal Information to contact you with newsletters, marketing or promotional materials.


Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the country which we have our primary place of business in. All disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the Courts of the said country.


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LAP Loan
Loan against property is another name of mortgage loan and is available for both salaried and self-employed borrowers to help them fulfil their business and personal needs by mortgaging their property.

Purpose
Some of the basic purposes for which this loan is usually taken are expanding business, acquiring assets, education needs, marriage, etc. The loan is granted against the mortgage of the residential/commercial/industrial property. The end use of the loan should be from the uses allowed by the bank. The borrower is required to declare the end use of the loan in its application form.

Purposes For Which Loan Against Property Is A Good Option	Purposes For Which Loan Against Property Is Not A Good Option
Business expansion	Home purchase
Child Education	Home construction
Personal expenses such as wedding or vacation	Home renovation
Medical emergency	Plot purchase
Points to remember are:

Loans for home construction or purchase are available at lower rate of interest under home loan as against mortgage loan.
Banks will take an end use undertaking on the loan against property and will also check the actual usage of the loan on a regular basis.
Top up loan taken on existing loan against property customers can be used for purposes such as business expansion, education, medical expenses etc.

Compare Loan Against Property LAP Interest Rates All Banks Mar 2021
Bank	Loan Against Property Rate	Processing Fee
SBI Loan Against Property Rates	8.80%	1.00%
Max ₹ 50,000
HDFC Loan Against Property Rates	8.35%	0.25%
ICICI Bank Loan Against Property Rates	8.35%	0.50%
Axis Bank Loan Against Property Rates	10.50%	1.00%
Min ₹ 10,000 - Max ₹ 10,000
PNB Housing Finance Loan Against Property Rates	9.50%	1.00%
LIC Housing Finance	11.30%	0.25%
Max ₹ 25,000
Kotak Bank	9.60%	1.00%
Yes Bank	10.50%	1.00%
Bajaj Finserv	9.75%	1.50%
IDFC First Bank	11.80%	1.00%
Min ₹ 5,000
RBL Bank	13.05%	1.25%
Min ₹ 7,500
Syndicate Bank	11.50%	0.50%
Min ₹ 500
IDBI Bank	10.20%	1.00%
South Indian Bank	10.70%	0.50%
Lakshmi Vilas Bank	11.65%	1.20%
Karnataka Bank	10.90%	
Indian Bank	12.25%	1.17%
Federal Bank	11.90%	0.50%
Min ₹ 3,000 - Max ₹ 7,500
DBS Bank	8.15%	0.50%
Max ₹ 10,000
Canara Bank	11.70%	1.00%
Min ₹ 5,000 - Max ₹ 50,000
Cholamandalam	11.50%	1.00%
Allahabad Bank	14.15%	0.53%
Min ₹ 2,670 - Max ₹ 80,100
HDFC Bank	8.75%	0.50%
Indian Overseas Bank	10.85%	0.62%
Min ₹ 890 - Max ₹ 8,900
United Bank of India	10.75%	1.00%
Punjab and Sind Bank	11.30%	1.00%
Min ₹ 2,000 - Max ₹ 50,000
Jammu And Kashmir Bank	12.20%	0.20%
Edelweiss	12.00%	1.00%
Corporation Bank	11.35%	1.00%
Bank of India	10.65%	1.00%
Min ₹ 5,000 - Max ₹ 50,000
Piramal Housing Finance	10.10%	0.50%
DCB Bank	12.72%	1.00%
Union Bank of India	11.50%	0.50%
Standard Chartered Bank	10.10%	1.00%
Min ₹ 10,000
OBC	10.95%	0.50%
Karur Vysya Bank	12.15%	0.50%
IndusInd Bank	9.50%	2.00%
HSBC Bank	9.80%	1.00%
Min ₹ 10,000
Dhan Laxmi Bank	11.55%	1.50%
Min ₹ 10,000
Central Bank of India	11.10%	0.50%
Max ₹ 20,000
Andhra Bank	10.75%	
PNB	10.20%	0.90%
Max ₹ 45,000
Indiabulls	10.50%	1.00%
Min ₹ 5,000
UCO Bank	9.20%	1.00%

LAP Enquiry 