Aptus Value Housing Finance India Ltd. is an India-based home loan company. The Company is engaged in addressing the housing finance needs of self-employed people belonging to low- and middle-income families primarily from semi-urban and rural markets. It offers Home Loans, Loan Against Property (LAP), and Insurance. Home Loans are offered to construct a house/flat on the land owned, purchase a flat or a house from a builder, construct or purchase a house/flat on a secondhand basis, renovation or extension of a house and purchase of a plot of land for construction. It offers tenure up to 15 years and amounts to 85% of the value of the property. LAP are loans offered for refinancing of funds used for the purpose of construction/purchase of a house. LAP has two products, namely, LAP - Construction and LAP - Purchase. It enables customers to select a tenure ranging from 5 to 15 years and repay the loan.