Life can throw unexpected expenses at any time whether it is for a medical emergency, a business need, or to consolidate high-interest debts. In such moments, liquidating long-term investments like bonds or real estate may seem like a quick fix. But there is a smarter way.
Instead of selling your assets, you can borrow against them. That’s where a loan against property or a loan against bonds can help. But which one suits you better? Let us break it down in simple terms.
Need urgent funds but don’t want to sell your bonds? Pledge your securities and access quick credit today. Apply for a loan against bonds
What is a loan against property?
A loan against property is a secured loan where you offer your real estate as collateral. It could be a house, plot of land, or a commercial property. Once your property is pledged, you can get a lump sum amount, which can be used for:
- Expanding your business
- Paying medical bills
- Funding a wedding or education
- Consolidating existing loans
The biggest benefit? You still own your property as long as you repay on time. But remember, mortgaging property is a serious commitment and can take time due to extensive paperwork and valuation processes.
Have investments in bonds lying idle? Get quick funds by using them as collateral no need to risk your property. Apply now
What is a loan against bonds?
A loan against bonds lets you unlock the value of your investments without selling them. Here, you pledge your bonds as collateral and receive funds in the form of an overdraft or term loan.
The best part? Your bonds continue to earn income, even while they are pledged. This makes it a smart move for those who want liquidity without letting go of long-term returns.
These loans are not limited to individuals. Businesses like LLPs, private firms, and sole proprietorships can also access funds through this option.
