---
title: "Can I avail LAP on an under-construction property?"
description: "No, most banks and lenders in the UAE do not accept under-construction properties for a Loan Against Property. The property must be fully constructed, ready-to-occupy, and registered with the relevant land department."
url: "https://yazodo.com/help/loan-against-property/can-i-avail-lap-on-an-under-construction-property/"
updated: "2025-12-07"
category: Loan Against Property
tags:
  - Eligibility
  - LAP
  - "Loan Amount & Valuation"
  - "Property & Collateral Requirements"
---

# Can I avail LAP on an under-construction property?

No, most banks and lenders in the UAE do not accept under-construction properties for a Loan Against Property. The property must be fully constructed, ready-to-occupy, and registered with the relevant land department.