A Loan Against Property (LAP) allows you to borrow money by using your property as collateral. To secure this loan, you need to meet eligibility criteria such as income, credit score, and property ownership. Start by determining your property's value, then gather necessary documents like income proof and property papers. Compare lenders for the best interest rates and terms, and apply for the loan. Once approved, the loan amount is disbursed, giving you access to funds for personal or business needs.