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Loan Against Property (LAP) is one of the most sought-after financings by people and corporates to access the funds. It attracts interest rates that are lower than unsecured lending. As a result, the lender typically charges changing, relatively high interest rates as the borrower is unsure why this change should be happening.

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Being at least 21 years old, having a reliable source of income (self-employed or salaried), and keeping a high credit score are usually requirements for shopping loans. Proof of identity, proof of income, and bank statements are examples of required documentation. These requirements guarantee that you are eligible Criteria for Shopping loan and hassle-free purchasing.

To get a low-interest housing loan, start by focusing on your credit score—keeping it high can open the door to better rates. Pay off existing debts and avoid taking on new credit in the months leading up to your loan application. Having a larger down payment can also work in your favor, as it reduces the loan amount and shows lenders you’re committed.

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