A Loan Against Property (LAP) without income proof is a secured loan option for individuals who may not have formal income documentation, such as salary slips or tax returns. Key characteristics include:

1. **Collateral-Based**: The loan is secured by your property, which reduces the risk for the lender.
2. **High Loan Amount**: You can typically borrow a significant portion of the property’s market value, usually around 50-70%.
3. **Lower Interest Rates**: Because the loan is secured, the interest rates are usually lower than those for unsecured loans.
4. **Flexible Usage**: The loan amount can be used for various purposes, such as business expansion, education, medical expenses, or personal needs.
5. **Longer Tenure**: The repayment period can be long, often ranging from 5 to 20 years, making the monthly installments more manageable.
6. **Eligibility**: Available to both salaried and self-employed individuals.

However, it's crucial to remember that if you default on the loan, the lender has the right to take possession of the property used as collateral.
https://www.cslfinance.in/post..../loan-against-proper