by Sunrise AssociatesChandigarh
#18, NW, Industrial Area Phase 1
+91 98142 51534
Loan against property
A loan against property rarely stalls on the rate. It stalls on the paper.
On a ₹1 crore+ loan, lenders read your title, valuation and accounts, each in their own way. We check all three before the file goes in, so it doesn’t come back weeks later.
LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.
- A call within 24 hours
- A one-page written comparison, dated
- If your current offer is the best fit, we’ll tell you
What decides a loan against property
Most delays are not about the rate. They are about the paper behind the property.
The title chain
The lender’s lawyer traces ownership back through every deed. A missing link, or a name that doesn’t match the revenue record, can stop a file late.
The valuation
The lender lends against its own valuation, not the price you paid or expect. It is often the number that surprises people.
Your accounts and banking
Repayment capacity is read from turnover, banking and existing borrowing, in the lender’s own format.
What we check before we submit
- The title chain is complete and the names match
- The valuation range with more than one lender
- Existing charges on the property
- That your income papers tell one consistent story
- What the funds are for, since lenders ask
What you get
A call within 24 hours
From your advisor, on the number below.
Your options compared
Interest rate, charges, tenure and processing time across 22+ banks and NBFCs, one lender at a time.
One page in writing
Dated and itemised. If your current offer is the best fit, it says so. 2 working days
Who is behind LoanDesk
Tilak Raj Bansal
Founder · Chandigarh
LoanDesk is led by Tilak Raj Bansal. An advisor from our team calls you from +91 98142 51534.
One advisor handles your file from the first call to disbursal.
How it works
Tell us
Loan type and amount. No documents.
We call
We ask what you need and what you were told.
We compare
One lender at a time, in writing.
You decide
No deadline from us.
When documents are needed, your advisor collects them in person or through a secure process. Never through this page or WhatsApp.
Come and see the desk
Offices in Chandigarh and Gurugram. Serving clients across India.
Gurugram
Basement, #799-P, Sector 15
+91 98142 51534
Questions people ask first
How much can I borrow against my property?
It depends on the lender’s valuation of the property and your repayment capacity. Your advisor gives you a range for your case on the first call, never a promise.
Can I use it for business and personal needs?
Lenders ask for the purpose of the funds, and some restrict it. We check this before submission.
Do I pay you anything?
No. You never pay us. The lender pays us when your loan is disbursed. If a lender charges its own processing fee, your advisor tells you the amount and its refund policy in writing before you pay it to the lender.
What documents do you need from me?
None to request a comparison. If you go ahead, your advisor gives you a list for your loan type and collects the documents in person or securely.
Are you a bank?
No. We are a loan advisor (DSA). We arrange loans with banks and NBFCs. Approval and terms are the lender’s decision.
Find out before you sign, not after.
30 seconds. No documents. A call within 24 hours.
LoanDesk by Sunrise Associates is a loan advisor (DSA), not a bank or lender. Loans are subject to the lender’s approval and terms.