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fincrif · 17 days ago

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Should You Choose a Personal Loan or a Loan Against Property?

Introduction

When in need of substantial funds, borrowers often consider two popular financing options: a personal loan or a loan against property (LAP). While both serve as useful financial tools, they differ in terms of eligibility, loan amount, interest rates, and repayment structures. Choosing between these options depends on various factors, including the loan purpose, repayment capability, and whether you are willing to pledge an asset.

This article will explore the key differences between a personal loan and a loan against property, their benefits, drawbacks, and how to decide which option suits your financial needs best.

Understanding Personal Loans

A personal loan is an unsecured loan that does not require collateral. It is offered by banks and NBFCs based on the borrower's income, credit score, and financial stability. Personal loans are widely used for various purposes, including medical emergencies, home renovations, weddings, education, and debt consolidation.

Benefits of a Personal Loan

One of the biggest advantages of a personal loan is its quick approval and disbursal process. Since no collateral is involved, the documentation is minimal, and many lenders provide instant loan approvals. Borrowers with a good credit score can access competitive interest rates and flexible repayment options.

Another key benefit is that a personal loan offers financial flexibility. Unlike other loans that are meant for specific expenses, a personal loan can be used for any personal or professional need without restrictions.

Understanding Loan Against Property (LAP)

A loan against property (LAP) is a secured loan where borrowers pledge their residential or commercial property as collateral. The loan amount is determined based on the property's market value, usually ranging from 50% to 70% of its worth. Since LAP is a secured loan, it comes with lower interest rates compared to personal loans.

Benefits of a Loan Against Property

A major advantage of LAP is that it allows borrowers to secure a high loan amount, often much larger than what a personal loan can offer. This makes it suitable for funding big-ticket expenses such as business expansion, large-scale home renovations, higher education abroad, or medical treatments.

Another benefit is that loan against property loans have longer repayment tenures, typically extending up to 15-20 years. This helps reduce the EMI burden, making repayment easier for borrowers.

Key Differences Between Personal Loan and Loan Against Property

While both loans provide financial assistance, they differ in various aspects. One of the biggest differences is the requirement for collateral. A personal loan does not require security, making it accessible to a wider range of borrowers, while a loan against property requires pledging an asset, limiting it to property owners.

The loan amount is another distinguishing factor. Personal loans typically offer lower loan amounts, ranging from ₹50,000 to ₹50 lakhs, whereas LAP can provide higher amounts, up to several crores, depending on the property’s value.

Interest rates are generally higher for personal loans since they are unsecured, whereas LAP offers lower interest rates due to its secured nature. However, since LAP has a longer tenure, the overall interest paid over time may be higher than a short-term personal loan.

When Should You Choose a Personal Loan?

A personal loan is ideal for individuals who need funds quickly without pledging any assets. If you have a stable income and a good credit score, you can avail of a personal loan at competitive interest rates.

It is the right choice if you need money for short-term expenses such as:

Medical emergencies where quick funds are required.

Wedding expenses where flexibility and instant approval matter.

Home renovation or repairs without involving property valuation.

Debt consolidation to pay off multiple high-interest debts.

Travel or education expenses where a structured EMI plan suits your needs.

Additionally, a personal loan is a better option if you do not own a property or are unwilling to risk your asset as collateral.

When Should You Choose a Loan Against Property?

A loan against property is a good option for those who own real estate and require a large loan amount at a lower interest rate. Since LAP is a secured loan, it offers better terms and is suitable for long-term financial needs.

You should opt for LAP if:

You need a substantial loan amount beyond the limits of a personal loan.

You can afford a longer repayment tenure with lower EMIs.

You require funds for business expansion, as it provides better financial leverage.

You want to finance your child’s higher education without taking multiple smaller loans.

You have a property with good market value and are comfortable using it as collateral.

However, keep in mind that failure to repay a loan against property can result in the lender seizing the property. It is crucial to assess your repayment ability before opting for LAP.

Important Factors to Consider Before Choosing Between Personal Loan and LAP

Loan Purpose – If you need funds for short-term needs, a personal loan is better. For large expenses like business expansion or higher education, LAP is preferable.

Loan Amount – If your requirement is below ₹50 lakhs, a personal loan can suffice. If you need a higher loan amount, LAP is a better choice.

Repayment Tenure – Personal loans have shorter tenures of 1-5 years, while LAP offers longer tenures of up to 20 years.

Interest Rates – Personal loans have higher interest rates (10% - 24%), while LAP offers lower rates (8% - 14%).

Collateral Requirement – Personal loans are unsecured, whereas LAP requires property as security.

Risk Factor – With a personal loan, defaulting impacts your credit score, but with LAP, you risk losing your property.

Conclusion

Both personal loans and loans against property serve different financial purposes. A personal loan is ideal for individuals who need funds quickly without pledging assets, making it suitable for short-term needs like medical emergencies, weddings, or home improvements. On the other hand, a loan against property is beneficial for those requiring large sums of money at lower interest rates for business expansion, education, or long-term investments.

Before making a decision, evaluate factors such as loan amount, repayment capability, interest rates, and risk tolerance. If you require instant, hassle-free funding, a personal loan is the better choice. However, if you own property and need a larger loan with lower EMIs, LAP can be a cost-effective solution. Always compare lenders, read the terms carefully, and choose the option that best aligns with your financial needs and repayment capacity.

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hanasnx · 4 months ago

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“ SHE JUST WENT TO HEAVEN AND BACK ” — clark kent.

MINORS DNI 18+ ᶻ 𝗓 𐰁 .ᐟ WARNINGS: fem reader ノ established relationship ノ sexual content: riding dick ノ playing dumb for a boy ノ some light humping ノ reader has kinda long hair ノ size difference.

you’re so desperate for clueless CLARK KENT’s attention that you play dumb and get him to mansplain his video game to you while you sit in his lap. he’s been busy lately and to get him to take the hint you wear one of your shortest skirts, invite yourself into the best seat in the house, and ask, “what’s this?” gesturing to his lit tv screen.

he explains it all, some boring lore he’s really into and the controls and the tricky part he’s stuck on right now.. and you resist the urge to roll your eyes at him. his pretty girl is sitting in his lap and he’s not even paying it any mind. but clark is paying it mind. he’s rambling bcos he’s nervous, and if you’d turn your head you’d see the pink dusting his cheeks. he can feel your bare thighs through his denim, and your floral shampoo fills his nose… he trails off mid sentence when he focuses too hard on the growing interest in his pants.

“i wanna play.” you say when you’ve had enough of his aimless babble, and without thinking it through, clark places the controller snugly in your palms, while his larger hands overlay yours.

“alright, so this button…” his thumb atop yours presses down in a click, and you see the avatar swipe air with his sword because of it. “is your attack move… and this—“ you’re not paying any attention to what he’s teaching you. instead, your brain conjures up evil memories of everything you’ve been missing. your eyes wander to the corner of his bed he’s sitting on, and you wish he’d fold you over on it like before. wrestle you down and pin you so he could flip your little skirt up and get to work. you’re tuning out his words while he’s playing the game over your hands which dampen with sweat, suddenly hot and bothered at the thought of him fucking you in this position… if only he were brave enough to unbuckle his pants.

your lips press together, your heart rate quickens, and clark’s ears perk up. thump thump… thump thump… thump thump…

he inhales sharply, right as the sting of what it feels like to be filled by him shoots up your core like lightning. you jump in place a little at the cruel trick your mind is playing on you, and the friction of your ass bumping against his halfie makes it twitch as it chubs up. the avatar’s HP lowers little by little as its enemies overwhelm it, but neither of you move.

“why didn’t you say anything?” clark’s breathless words come out husky and sultry as he chuffs them out of his teeth, lifting you up and down by your hips like you’re nothing more than a weight at the gym. your hands lay atop his, twisting your face as that cock buries itself right where you needed it, bullying that spongy spot in you sore from neglect. “i’ve been thinking about you, too…” he fills the silence, paired with the wet sounds of an eager pussy swallowing him up. he yanks you back, and you land on his chest still clothed, your hair bunches up on his shoulder while his lips find your ear. your hips now married with his, he rolls yours, screwing his dick into you like he’s rediscovering all your nooks n crannies.

one arm rounds you to secure you against him in a warm embrace, seeking out your clit between your spread legs, toying with it like taffy and it makes you whine.

“you didn’t have to act like you cared about my game,” he’s taunting you, right in your ear, ending it with a gentle nip of his teeth to your shell. the point of his canine sends a shock through you, and your legs straighten involuntarily. he keeps you where he wants you with overpowering strength, you can’t raise yourself when he’s got you in a vice. his thumb and index feel cruel against your bud, as if chastising you for trying to trick him.

“well, it worked, didn’t it?” you exhale, leisurely squirming against him desperate for some movement. there’s pride in your voice.

“this skirt worked.” he corrects. the skirt now bunched up around your waist about the same time he’d pushed his denim out of the way so he could free his cock and give you a new seat. “could hear your heartbeat, you were so obvious… c’mere.” he grants your wish for more, pushing you forward so he could gather your arms behind you. bent, your feet barely toe the ground while he uses your wrists to leverage you, tugging you back while he bounces you up with the force of his hips.

#4k #ch: clark #clark kent drabble #clark kent smut #clark kent x reader #clark kent x fem reader #clark kent x you #clark kent x y/n #clark kent imagine #clark kent fanfiction #smallville smut #smallville x reader #reader insert

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hauntedhowlett-writes · 7 months ago

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ROOM FOR RENT

PAIRING: logan howlett x female reader

RATING: explicit (18+) | WORD COUNT: 5.3k

SUMMARY: logan finds a new roommate.

AUTHOR’S NOTE: i have logan howlett brain rot and i’m not sorry. big smooch to everyone who let me yell about this to them including @eupheme @pedgito @wannab-urs @chaotic-mystery @kedsandtubesocks @undrthelights and @murder-wife 💕

WARNINGS: post deadpool & wolverine, variant!logan howlett, able bodied reader, reader being picked up (enhanced strength babyyyy), roommates to lovers trope, meddlesome pet cat, a splash of canon typical violence - mentions of blood and knife wounds, wade wilson/deadpool appearances, mild angst, explicit sexual content (18+ minors do not interact) - dirty talk, pain kink, biting, pet names, praise kink, oral sex - m & f receiving, a little dacryphilia during a blowjob, multiple orgasms, unprotected p in v, begging, size kink. if i’ve missed any, please let me know!

LINKS: masterlists | support for palestine

If Logan has to wake up to Wade's constant yapping for the rest of his life, he's going to go insane. Every morning he's jolted awake by Wade singing in the kitchen. When he notices Logan is awake, the singing stops and the one-sided conversation begins and doesn't end until Logan finally gets up from the couch and leaves the apartment with nothing but the clothes on his back.

Today, with some money in his pocket from a few odd jobs he's picked up, he finds solace in a quiet coffee shop. Sat beside a bulletin board, he scans the postings.

Art show, art show, yard sale, job opening, roommate wanted, art show--

Roommate wanted? Logan tears the paper from the pin.

Room for rent in 2 bedroom/1 bathroom apartment. One cat. Laundry on site.

He folds the ad up and stuffs the paper in the pocket of his jacket before gathering his empty coffee cup and tossing it in the trash on the way out the door, an uncharacteristic spring in his step.

Your phone rings with a number you don't recognize. You consider sending it to voicemail, already exhausted from fielding similar calls about your room for rent, but ultimately decide to answer.

"Hello?"

A man clears his throat on the other end of the line before responding with, "This the number for the rental?"

"Yep," you reply. "Were you interested in seeing it or have any questions?"

"How much is it?"

"Your half would be $950.”

"And it's a whole bedroom?"

"As opposed to a half bedroom?" You laugh at your joke but the man remains quiet and you wince. "I mean, yes. It's a whole bedroom."

"I'd like to come see it, if you've got the time."

"Sure, how's this Friday sound?" You suggest. "What's your full name?"

"Why do you need to know that?" The man's tone grows defensive and alarm bells ring in your head.

"Well, I'd like to make sure you're not, like, a wanted criminal or something," you tell him with an awkward laugh. He's quiet and for a moment you think that he may have hung up on you. "Hello?"

"Yeah, 'm still here," he sighs. "Name's Logan Howlett."

"Logan Howlett," you repeat. You give him your name in return, though he doesn't do much but grunt in acknowledgment. "Alright, well, do you have something to write down the address?"

"Just tell me, I'll remember."

After listing off the address, he ends the call with a rough goodbye. You get to work on your personal research, entering his name into a search engine.

No results.

You refresh the page, thinking that must be an error, but the same message appears.

No results.

You try spelling his name differently.

No results.

You set the phone down, anxiety starting to creep up your spine. It's hard to believe that there's absolutely nothing online about this man, who now has your full address, name, and phone number.

A sharp meow shakes you from your thoughts and you find that your cat has taken up residence on your lap, staring at you intently as his tail flicks back and forth. You run your hand over his head, scratching beneath his chin.

"You'll protect me, right?" You ask.

He leaps from your lap and struts away, fluffy tail disappearing down the hall that leads to your bedroom. You sigh.

Hopefully you haven’t just done something stupid.

Logan's attempt to leave the apartment unnoticed does not go as planned. Althea is sitting on the couch, a re-run of a talk show playing loudly, when he tries to make a run for it. He's distracted, watching her too carefully that he doesn't realize Wade has just returned from god-knows-where.

"Whatcha doin', twinkle toes?" Wade asks, startling Logan, who slams into the kitchen table with a curse.

"Fucking hell," Logan curses, rubbing his hip. "When did you get in here?"

Wade shrugs. "Sometime around the start of your 007 impression."

"My what?"

"Nevermind," Wade sighs. "You look snazzy. Got a hot date?"

"No," Logan grunts.

"A cold date, then?"

Logan pinches his nose. "No."

"Well, care to share, sugar plum? What's got you sneaking around like the Black Widow?"

"The who?"

"May she rest in peace," Wade says, tone suddenly somber.

"He's tryin' to move out," Althea chimes in. Wade's mouth drops open in shock.

"You're abandoning us?!" he exclaims. "After all we've been through?"

"Let the man do what he wants," Althea says. "Damn co-dependent freak."

"Harsh," - Wade places a hand over his chest, -"you know I have daddy issues. And mommy issues. And abandonment issues. And--"

"Enough," Logan snaps. "Yes, alright? I'm looking for a new place. I can't sleep on that couch forever."

"Is it because it smells like old people?" Wade whispers, pointing an accusatory finger to Althea, who flips him off.

"Look, this is your universe. Your timeline. Mine is gone and it's time I start making this whole thing less temporary."

Wade tilts his head and places a hand on Logan's shoulder. "My little Wolvie, all grown up," he says, wiping at a fake tear. Logan shoves his hand away, storming past him for the door.

"Remember to smile! Give 'em the ol' razzle dazzle!" Wade shouts as he slams the door behind him.

You pace your small living room and check the stove clock for the hundredth time in the past five minutes. Logan is due to see the apartment and your nerves have gone from a simmer to a full blown boil waiting for the mysterious man with no digital footprint to show up. Your cat is lounging on the windowsill, blissfully unaware of your inner panic.

Three sharp knocks at the door cause your pulse to skyrocket. You take a deep breath before crossing the short distance to the door, pulling it open with a smile.

"Hi! You must be--“

Your greeting dies on your tongue as you take in the man crowding your hallway. He's wearing a leather jacket over a white tank top that stretches tightly across a broad chest and jeans that highlight thick thighs. His dark hair is cut shorter on the sides than on the top of his head, the ends fanning out in a manner that reminds you of a cat's ears and he's sporting an impressively thick beard.

"'m Logan," he says in the same deep voice you heard over the phone, holding a hand out towards you. You slip your palm against his much larger one and you're surprised by how warm his touch is.

"H-hi," you stutter, shaking his hand. You clear your throat. "Sorry, hi. Uh, come on in."

You move aside to let him through the doorway, not missing the fact that his shoulders practically brush the frame as he steps inside. Your apartment opens up directly into the living room and kitchen with a small dining area set in between and you gesture around.

"Well, this is most of it, to be honest. I know it's not much but--"

"It's quiet," Logan interrupts. "Ain't used to quiet."

"Where, uh," -- you twist the hem of your shirt -- "where are you coming from? Exactly?"

"Kind of a long story. Right now I sleep on a couch in a shitty one bedroom apartment shared by an asshole who doesn't shut the fuck up and a blind cocaine addict."

"Oh," you reply, nodding despite your lack of understanding. "Yeah, it's just me here. Well, and Dumpling."

"Dumpling?"

As if summoned by his name, your cat appears, making a swift beeline for the newcomer. He twists around Logan's legs, butting his head against his shins. You bend down, scooping him up in your arms.

"This is Dumpling. He's cute, but he'll knock over any plants so I wouldn't recommend you take up indoor gardening if you decide to live here." Logan eyes Dumpling warily before holding a hand out. Dumpling sniffs his fingers daintily and rubs head against his palm. "I think he likes you."

Logan huffs, the sound close to a laugh, and it makes you smile. He looks up at you and for a moment you forget that you're complete strangers who have just met. He feels inexplicably familiar, his presence comforting, and you're surprised by it.

"Let's look at the bedroom," you finally say, breaking the moment. You turn, heading for the hall and he follows behind you, steps surprisingly light for such a large man. You take him to the last door at the end of the hall and enter the empty room. "This is it. It's kind of small, but all the rooms in New York are pretty much shoe boxes. It's got a closet and access to the fire escape, though.”

"Better than the couch," he says, looking around the room. "You said $950?"

"Plus half of the utilities," you add. He nods.

"Look, I'll be honest. I'm...between jobs right now." He sighs. "And my schedule can be...unpredictable."

"Oh," you mumble. You think about it for a moment. Renting the apartment to Logan would be a risk but...you can't help but notice that exhaustion in his eyes, how it's clear he's trying to get back on his feet in one way or another. "That's okay. We can work something out."

He raises an eyebrow at you. "Really? You sure about that?"

Were you?

"Yeah," you reply. "I'm sure."

Having a roommate is...an adjustment.

Logan is great. He does his dishes in a timely manner, doesn't leave any clothes on the bathroom floor, and even cleans Dumpling's litter box from time to time.

But he drives you insane and it has nothing to do with his qualities as a roommate and everything to do with how unbearably attractive he is. He could be doing the most mundane activity and suddenly you're more turned on than a faucet on full blast. On top of it all, he's surprisingly sweet for such a gruff man.

Currently, you're watching him pour himself a glass of whiskey. You know he's probably preparing to take the drink to his room so that he can have a cigar on the fire escape, but you find yourself wanting his company.

"Logan?" you ask. He looks at you over his shoulder.

"Yeah, bub?"

"Would you...want to watch a movie? With me?"

He turns to fully face you, leaning against the counter and taking a sip of his drink, dark eyes on you over the rim of the glass. You swallow nervously, prepared to retract your offer and hide out in your room for the rest of eternity, but he puts you out of your misery.

"Sure." He comes over to the couch, taking a seat that's a respectable distance away. "What are we watching?"

"Have you seen The Greatest Showman?"

A musical. He's sitting through a goddamn musical.

"You kinda look like that guy," you say from beside him. Logan tilts his head.

"I don't see it."

"It's the bone structure."

"I'm bigger than him." You mumble something under your breath that he doesn't quite catch, though he thinks it sounded suspiciously like yeah, you are. "You say somethin'?"

"Huh?" You shake your head. "No, nope. Didn't say anything."

Logan relaxes against the back of the couch, settling in. You're curled up against the armrest, a blanket covering your legs and your arms wrapped around a throw pillow. You look relaxed, at ease, a stark contrast to how you had been when he first moved in. You spent more of your time hidden in your room and he's happy to see you're getting more comfortable around him.

It's also torture. You're like a drug that he can't get enough of, a high that doesn't last long enough. He clings desperately to every smile you grace him with and falls asleep with the sound of your voice echoing in his head. He wakes up looking forward to seeing you, even if it's just in passing before you head out for your very normal job as part of your very normal life.

That's what gives him pause. You're not like him, not built for violence, and he would never drag you into that life. He thinks about Vanessa and Wade and the wedge that was driven between them they're working to repair and he can't bear the thought of having you just to lose you.

Logan's so lost in his own thoughts he doesn't realize that the movie has ended and you haven't moved. Your head is angled in a way that has to be uncomfortable, your mouth dropped open as you breathe slowly and deeply. He grabs the remote from the coffee table and turns the TV off, plunging the room into darkness as he stands and quietly approaches you.

He slides one arm beneath your knees and using the other to support your back, lifts you from the couch. You settle your head against his chest but otherwise your sleep remains undisturbed as he carries you down the hall into your room.

It's not the first time he's been in your personal space. One time he woke up to Dumpling clawing at his chest and he marched the animal back to your room for the night, barging in on you while you had been up reading. He remembers the queen sized bed in a wooden frame and a dresser with a drawer that won't shut take up most of the space, the plain white of your walls replaced by a soft blue. You've installed what he first thought were regular shelves but later learned are meant for Dumpling to use for late night acrobatics that he can sometimes hear from his room.

Logan sets you gently on your bed and pulls the quilt up to your shoulders. Before he can think better of it, he reaches a hand toward your face, tracing his thumb over the high point of your cheek. You turn towards the sensation, chasing his touch, and his chest grows tight. He sighs, stepping back and turning for the door.

Dumpling sits in the doorway, flicking his tail. Logan steps around him into the hallway, the cat's gaze following him.

"Shut up," he whispers.

Dumpling meows in return.

You're disoriented when you wake the next morning. The last thing you remember is being on the couch with Logan and watching The Greatest Showman, but somehow you've ended up in your room. You turn over in bed to find Dumpling on your other pillow, curled in a ball.

"Morning, Dumpy," you murmur, scratching his head. "How'd we end up here?"

Dumpling blinks unhelpfully at you before uncurling from his spot and hopping from the bed, leaving through your open door. It's then that you notice that you can hear grunting noises coming from the living room.

You get up to investigate and stop dead in your tracks, mouth dropping open when you find the source of the noise is a shirtless Logan doing push ups on the living room floor. The broad muscles of his back ripple with each movement, each push accompanied by a small grunt that makes your thighs clench together, imagining him making that noise when--

Logan stops, jumping to his feet and you shake your head free of the salacious image it began to create. He turns, giving you an uninhibited view of his thick chest that's covered in dark hair that trails down over defined abs before disappearing beneath the elastic of his sweatpants. You have to say something, anything, but your brain is full of static, unable to operate when he's standing there looking like that.

"Morning," he says.

"Good morning!" you reply, voice pitched higher than usual. You walk past him in a way you hope is casual, heading for the kitchen and prepping the coffee machine. "You got any plans today?"

"Got a friend who needs my help with something. Don't know when I'll be back." His voice is much closer than you expected and you turn from the counter to find him right behind you, a scant few inches of space between your bodies.

"Oh?" you whisper, keeping your gaze firmly on his face. "Is everything okay?"

"It will be."

He drifts impossibly closer, chest nearly brushing yours. Your heart pounds in your chest, a frantic rhythm that's become familiar ever since Logan entered your life. Reaching above your head, he grabs two mugs in one large hand, setting them on the counter behind you before taking a step back and turning to head for his room without another glance in your direction.

You sag against the counter, a wave of lust addled adrenaline crashing over you and leaving you breathless. The last thing you need to be doing is getting involved with your roommate, no matter how tempting he may be.

Dumpling jumps up on the counter beside the coffee pot and stares at you, likely waiting for food, but it feels more like judgment in his green eyes.

"Shut up," you whisper to him.

Dumpling meows, batting you with a paw.

You're sitting on the couch when there's an unexpected knock at your door. Logan is still gone, helping a friend and you're not expecting anyone, so you’re not sure who it could be. You check the peephole before opening the door and see the distorted image of a man in a red suit and mask supporting the weight of your roommate against his side.

"What the fuck?" you ask as you open the door in a panicked rush. The masked man waves his fingers at you.

"Hi there! I've got a very," -- he grunts, adjusting his grip on Logan -- "heavy delivery."

Logan's eyes are closed, head flopped back on the masked man's shoulder. Blood stains his t-shirt in spots that look suspiciously like knife wounds and you gasp.

"What happened to him?!" you shout. "Oh my god, he needs to go to the hospital--"

"He just needs a little power nap," the man says. "I'm Wade, by the way. You mind if I just--"

Wade drags Logan through the apartment, depositing him on your couch with a huff, wiping his hands together. He looks around and you're shocked when the eyes of the mask seem to move, as if mimicking his facial expressions.

"This is a nice place," he says. Dumpling meows and Wade gasps. "You have a cat?! I wish I could pet you, sweet kitty, but Dogpool would put me in the dog house. Ha! Get it?"

"I'm confused," you manage to say. "My roommate is bleeding out on my couch after being dropped off by some wanna-be Avenger--"

"Ouch!"

"And you're saying he doesn't need to go to the emergency room?"

"Nope." Wade lifts Logan's shirt. "See? Good as new."

Despite the blood and tears on his shirt, there's no wounds on Logan's body. He shifts, lifting an arm to smack Wade's hand away as he groans, eyes fluttering open. He glares at the man.

"Get out," he growls.

"Now, now, that's not being a very good host, Logi. What, were you raised by wolves?" Wade replies. Logan roars, a ferocious sound that's more animal than man. His hand curls into a fist and sharp metal blades extend from between his knuckles. "Okay, okay, I'm leaving, no need for the murder mittens." Wade looks at you. "You should come to Sunday dinner!"

"Wilson!" Logan shouts. Wade finally heeds the man's warnings, rushing for the door without another word, shutting it behind him. Logan sags against the couch, blades retracting into his hand. He tilts his head back, closing his eyes.

You stand there in shock, trying to make sense of everything you just witnessed. Logan should be halfway to dead by now, but he doesn't even have a scratch on him. He has claws. How does he have claws?

"Can hear you thinking," Logan says, eyes still shut. "Just say it."

"Say what?" you ask. He lifts his head.

"Tell me to get out, scream, whatever it is."

You sit down on the couch, facing him. "Why would I do that?"

"Because that's what you should be doing."

His hand rests on his thigh and you reach for it, lifting it to eye level for a closer look at his knuckles. You trace your thumb over the smooth skin, up over his strong forearm. He watches you, face almost pained.

"I'm not scared of you," you whisper. "You wouldn't hurt me."

"But I could," he bites back.

"You won't." You're certain of that. You set his hand back on his thigh and stand from the couch, intending to grab him a glass of water from the kitchen, but he stops you with a hand around your wrist. His grip is loose enough that you could break free, but you don't.

Logan looks up at you with an unreadable expression, something close to fear mixed with a conflicting emotion that you think -- or hope -- might be desire. He tugs your wrist, bringing you to stand between his legs.

"How can you be so sure?" he asks.

You place your hand on his cheek, the coarse hair of his beard scratching at your palm. His eyelids flutter and his lips part on a sharp inhale.

"You're a good man, Logan Howlett," you murmur. He closes his eyes tightly and takes a deep breath.

His next movements are quick -- a hand on the back of your thigh, dragging you onto his lap, the other wrapping around the back of your neck to pull you close, his lips capturing yours in a savage kiss. You melt into him, meeting his urgency with your own desperation, tongues tangling together and fighting for dominance.

You pull back to trail kisses across his jaw until you reach his neck, sinking your teeth into the tan skin, just over his hammering pulse. Logan groans, fingers digging into the flesh of your ass, pulling you tightly against him as his hips buck into yours.

"Fuck," Logan says, voice a deep rumble that you feel to your marrow. "Do that again."

"Do what?" you tease.

"Bite me," he demands. "Make it hurt."

You obey, biting down into his shoulder with greater effort, sinking your teeth in deep until he hisses from the pain of it and you let go, lifting your head to look at the mark you've left behind. It fades quickly, disappearing without a trace.

"Jesus," he says, pulling you in for another kiss, slow and deep, as his hands find the hem of your shirt. "Let me see you."

You allow him to lift your shirt up and over your head, exposing your breasts to his hungry gaze. His touch makes you shiver despite the heat of his hands as he traces the curve of your waist up to your chest, his thumbs finding your nipples and teasing them with slow circles. You drop your head back with a moan and he takes the opportunity to kiss your neck, your collarbone, moving down until his lips wrap around one taut bud.

"Logan," you whine, digging your fingers into his hair and holding tight. He hums, the sensation making your eyes roll.

"Thought about this," he murmurs, switching to your other breast. "Every time you'd wear those goddamn tight shirts of yours."

"Really?"

"Mhm."

"Wanna know what I thought about?" You tug his hair, pulling his head away from your chest. "Sucking your cock."

He raises his eyebrow at you and you take the opportunity to slide from his lap, settling on your knees between his spread thighs. You work his belt loose, followed by the fly of his jeans. He reaches past the waistband to free his cock and your mouth waters at the sight. You could tell he was big while you were on his lap, but he's even more glorious than you imagined. Thick, long, with prominent veins and a slight upward curve that you know will hit all the right places.

You take him in your hand, appreciating the weight of him in your palm as you hold him steady. With your eyes locked on his face, you open your mouth and stick out your tongue to lick from the top of your fingers to the flushed head. He groans, his hand curling into a fist that he presses to his forehead.

"Fuck," Logan hisses. You do it again, this time swirling your tongue around the tip before taking him into your mouth, moving down his length slowly. "God, look at you. Mouth stuffed so full you're drooling, huh?"

He's right. Spit gathers at the corners of your lips and runs down your chin as you use your mouth to pleasure him. The sounds he makes above you are downright filthy, deep moans and filthy praise that have you moving faster, taking him deeper, working to get as much of him in your mouth as you manage without gagging. He cups your cheek with one large palm, thumb tracing your stretched lips.

"Keep going, sweetheart. You can take a little more, can't you? That's it," he says. Tears burn your cheeks with the effort to obey, your throat tightening around the head of his cock. "Fuck, that's a good girl."

You breathe deeply through your nose, maintaining a steady pace and using your hand in tandem with your mouth for what you can't easily take. Logan's hips begin to flex beneath you, his words trailing off into guttural growls. His cock twitches in your grasp and he moans your name before his release floods your mouth and you swallow it down.

You pull off of him with a slick pop, gasping for breath. Before you can say anything, Logan is hauling you to your feet as he stands from the couch, lifting you up with one strong arm beneath your ass and urging your legs around his waist.

"What are you doing?" you ask.

"Just getting started."

Logan kicks the door open to your room, startling Dumpling from his perch. The cat races out the door, disappearing into the living area as the door clicks shut. He sets you down on your bed and quickly rids himself of his boots and rest of his clothing before returning his attention to you.

You're lying there in your little sleep shorts that drive him nuts. The fabric barely covers your ass and there's been more than one occasion where he's shuffled into the kitchen in the mornings to see you in them, all the blood in his body rushing south at the sight. He joins you on the bed, on his knees between your spread thighs, and extends a single claw. Your eyes widen, but you don't pull away. In fact, you start squirming, hips flexing minutely against the mattress.

"Scared yet?" he asks.

"I wouldn't say that.”

He carefully slips the blade beneath the hem of your shorts, inching it up until it peeks out above the elastic waistband before twisting his wrist and slicing through the fabric like it's nothing. Claw retracted, he removes your ruined shorts and takes a moment to appreciate the vision you make, legs spread wide and your dripping pussy on display.

"You're a mess," he says, smoothing his hands over the soft skin of your legs. He lifts one of your knees, pressing a kiss to the inside of it before resting it on his shoulder. "Gonna clean you up."

Logan dips his head to your center, dragging his tongue through your soaked sex, groaning when the taste of you blooms across his tongue. Your fingers curl against his scalp, a sharp point of pleasure-pain as he explores your body. He swirls his tongue over your clit, experimenting with broad circles and sharp flicks until you're writhing beneath him.

"Logan," you cry, hips bucking against his face. He dips his tongue into your cunt, nose brushing your clit as he does, and he hums in satisfaction as your thighs tense around his head.

He looks up at you and drinks in the picture you make, gorgeous skin glistening with sweat and your back arched from the bed, chest heaving with desperate breaths. He wants this exact moment burned into his memory, certain it could chase away the dark shadows that linger there.

Logan presses two fingers to your hole, sliding them in with little resistance. You're so warm and tight, squeezing his fingers beautifully, calling out his name as he curls them when he drags them from your body.

"I'm going to come," you gasp. "Oh, fuck, just like that!"

You pulse around his fingers and he slows his movements to work you through it until you collapse against the mattress with a deep sigh. He carefully removes his hand and sits up on his knees.

"Guess I made more of a mess," Logan says. Your eyes squeeze shut with a breathless giggle.

"I'll forgive you," you reply. You reach your arms up for him and he moves to hover over you to accept your embrace. "God, Logan," you murmur, tilting your chin up to kiss him.

In this position, he's able to drag his cock through the slick mess between your thighs and you shiver beneath him, gasping into his mouth. He does it again, more purposeful this time and it drags a moan from you both.

"Please," you murmur.

"Please what, sweetheart? Tell me what you want," he replies. "What you need."

"Need you to fuck me."

Logan reaches between your bodies and positions the thick head of his cock at your entrance, pushing forward. The stretch of him is unreal, almost too much even with how wet you are for him.

"Relax," he says, holding himself steady above you. "You can take it."

You nod and he pushes forward another inch, letting you adjust, and repeating the process until the coarse hair at the base of his cock tickles your sensitive skin. You've never been so full, no other experience compares to this. No other man compares to Logan, in any way.

He starts moving slowly, dragging his hips back until you're nearly empty before plunging back inside. Each thrust puts stars in your vision, makes the knot of want and need coil tighter in your lower belly, until you're moaning his name and begging him to move faster, harder, deeper.

Logan obeys, thrusting into you with enough force that your head board collides with the wall. He sits back on heels, dragging you up with him until you're sitting in his lap and he's able to thrust up into you.

"Feel so fucking good," he says, lips against your neck. "Need you to come for me, baby."

You nod, wrapping your arms around his shoulders and holding him close, meeting each of his thrusts with a rock of your hips that drags your clit against him, your nerves buzzing with the friction and fullness. While the orgasm he wrenched from you with his mouth felt like a wildfire, this one builds and builds, a wave cresting until it finally crashes and you cry out his name.

Logan leans forward to drop you back onto the bed, reaching a hand up to grip your headboard as he continues to roll his hips into yours, chasing his own release. His thrusts begin to grow more desperate until he presses in deep and you're flooded with warmth as he growls, long and low. The sound of splintering wood breaks through your post-orgasmic haze and you tilt your head back to find that his claws have extended through your headboard, splitting the wood and embedding into the drywall.

"I can fix that," Logan says breathlessly, tugging his hand free, claws retracting. You grin at him.

"Later," you reply, pulling him in for a kiss.

You've got better things to do right now.

Thank you so much for reading! For more of my writing, check out my masterlists!

#logan howlett #logan howlett x reader #logan howlett x you #logan howlett x fem!reader #logan howlett x female reader #logan howlett fanfiction #logan howlett fanfic #logan howlett smut #logan howlett fluff #logan howlett fic

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mymudra · 1 year ago

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Loan Against Property is the secured loan that requires property as collateral for approval. The Loan Against Property Interest rate starts from 8.5% P.A. Get the loan approved hassle-free by knowing the loan against property eligibility criteria.

Read More: loan against property

#loan against property #loan against property interest rate #loan against property eligibility #loan against property calculator #lap loan interest rate #personal loan against property

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reevajobs · 5 months ago

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Comprehensive Guide to LAP Interest Rates and Calculating Loans Against Property:- One key aspect to understand before diving into a LAP is the LAP interest rate and how it can affect your borrowing costs.

#LAP interest rate

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jain2580 · 11 days ago

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How Does an Instant Loan Against Property Work? A Step-by-Step Guide

In times of urgent financial needs, securing a loan quickly without selling valuable assets is crucial. An instant loan against property is one of the most reliable ways to access substantial funds at a lower interest rate compared to personal loans. Whether you need money for a business expansion, medical emergency, or any personal expense, a LAP loan against property can be the perfect solution.

In this article, we will explore what an instant loan against property is, how it works, eligibility criteria, documents required, and the best ways to apply online for quick approval.

What is an Instant Loan Against Property?

A loan against property (LAP) is a secured loan where you pledge your residential, commercial, or industrial property as collateral in exchange for funds. The instant loan against property variant ensures that the loan is processed and disbursed quickly, often within 24 to 48 hours if all documents are in order.

Unlike unsecured loans, LAP loans offer higher loan amounts, lower loan against property interest rates, and longer repayment tenures, making them ideal for large financial needs.

Key Benefits of an Instant Loan Against Property:

Higher Loan Amounts: Get up to 80% of your property's market value as a loan.

Low Interest Rates: Loan against property interest rates are much lower than personal loans.

Quick Processing: Many lenders approve and disburse funds within 24-48 hours.

Flexible Tenure: Repayment periods range from 5 to 20 years.

No End-Use Restrictions: Use the loan for business, education, medical emergencies, or personal expenses.

How Does an Instant Loan Against Property Work?

Step 1: Check Eligibility

Lenders evaluate eligibility based on:

Age (21 to 65 years)

Income & employment type (salaried/self-employed)

Property type (residential/commercial/industrial)

CIBIL score (650+ is preferred for best rates)

Step 2: Choose the Right Lender

Compare interest rates, tenure, and processing fees from banks and NBFCs. Some lenders also offer loans against property without income proof, making it easier for self-employed individuals.

Step 3: Submit Documents

Commonly required documents include:

KYC Documents – Aadhaar, PAN, Passport

Property Documents – Title deed, sales deed

Income Proof – Salary slips, ITR, or alternative proof (for no-income proof applicants)

Step 4: Property Valuation & Loan Approval

The lender assesses the market value of the property to determine the loan amount. If eligible, approval is granted quickly.

Step 5: Loan Disbursement

Once approved, funds are disbursed directly to your account within 24-48 hours.

Loan Against Property Interest Rates & Charges

Interest rates for instant mortgage loans vary based on factors like CIBIL score, loan tenure, and lender policies. The typical range is 8.50% to 15% per annum.

Additional Charges:

Processing Fees: 0.5% – 2% of the loan amount

Prepayment Charges: 0% – 3% (depends on lender policies)

Legal & Valuation Charges: Varies by lender

Loans Against Property Without Income Proof

For self-employed individuals or those with irregular income, some banks and NBFCs offer loans against property without income proof. Lenders evaluate the applicant based on alternative financial documents like:

Business ownership proof

Bank statements

Rental income (if applicable)

This option allows property owners without a formal salary slip or ITR to still secure funding.

How to Apply for an Online Loan Against Property?

The online loan against property application process is simple:

Visit the Lender’s Website – Check eligibility and loan details.

Fill in the Online Form – Provide property and income details.

Upload Documents – Submit scanned copies for verification.

Property Evaluation – The lender will assess the market value.

Loan Approval & Disbursal – Once approved, funds are disbursed instantly.

Applying for an online loan against property saves time and ensures quick approvals with minimal paperwork.

FAQs on Instant Loan Against Property

1. What is the maximum loan amount I can get?

You can avail up to ₹5 Crore+, depending on your property’s market value and lender policies.

2. Can I get an instant loan against property with a low CIBIL score?

Yes, but a CIBIL score of 650+ ensures better interest rates and approval chances.

3. How long does loan disbursal take?

With all documents in place, an instant mortgage loan can be disbursed within 24-48 hours.

4. Can I apply for a loan against property without income proof?

Yes, certain lenders offer loan against property without income proof, evaluating alternative documents instead.

5. What happens if I default on my LAP loan?

In case of default, the lender has the legal right to auction the mortgaged property to recover outstanding dues.

Final Thoughts

An instant loan against property is a smart financial solution for those needing large funds at competitive rates. Whether you are a salaried professional, business owner, or self-employed individual, this secured loan offers financial stability with low-interest rates and flexible repayment terms.

Always compare lenders, use an EMI calculator, and check eligibility before applying to get the best deal. By leveraging your property wisely, you can unlock its financial potential and meet your monetary goals seamlessly!

#instant loan against property #lap loan against property #online loan against property #Loan Against Property Interest Rates #Instant Mortgage Loan #Loan Against Property Without Income Proof

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allurilove · 11 months ago

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Yandere Classmate x you

Rated 18 + — mature short content !

Includes: Headcanons of stalking, obsessive behavior, unhinged man lowkey, sexual fantasies, perverted and lewd behavior, stealing, male masturbation, gender neutral reader, grumpy x sunshine,

*He has no name, and is only referred to as “your classmate” his only existence is to be obsessed with the reader, and without you, he ceases to exist. This yandere classmate is different from the other one I have wrote about. Here is the second part! This is purely fictional writing!*

Synopsis: You wish on a shooting star for a boyfriend. Your classmate has an unhealthy obsession with you, he’s almost entranced, and he follows you around like a lost puppy. He doesn’t know what you have done to him, but he won’t let you go. No, he’ll hunt you down and make sure you’ll stay with him forever.

When you wished to be in a relationship with a man that was utterly obsessed with you— joking or not joking— the universe heard you loud and clear.

It was like he was here on earth just to be with you. Every single part of his body was screaming, clawing, and dragging his feet towards you. It was hard to get close, and near damn annoying that you were surrounded by your friends all the time.

Your classmate was entranced the moment you walked past him, and whenever you did and he heard your sweet laugh… his legs immediately made him get up from his spot to follow you.

You were just the sweetest being he has ever seen. Always nice and kind to others, even if they didn’t deserve it. He felt like he had a responsibility to protect you from assholes that would take advantage of you.

He began to follow you around. Listening in to your conversations, and he would take mental notes of what would make you laugh. He was determined to make you smile, to make you laugh harder than that fool in front of you.

He gave up on his education to pursue you. I mean he was learning… just happened to skip some of his classes to sneak into yours. You were a more interesting subject anyways. He would sit somewhat far away, and switch it up every time. He didn’t want you to notice him, not yet anyways.

Your classmate really wanted to sit next you, or maybe offer to buy you lunch. When you went to the bathroom, and left your cup on the table, there was a faint lip mark on it. He gulped, his hand slowly reaching for it. If he couldn’t kiss you soon, this was the next best thing. He pressed his lips where yours were previously, his tongue flicking the rim. He savored your saliva, and out of adrenaline he decided to keep the cup all together.

Whenever you were gone, or didn’t come to school that day, he had to visit your locker. It was after gym class, and no one was around as he leaned in to sniff at the little vents. Your scent had been brewing in there for a couple of hours, and he groaned.

He desperately tried to lap up every scent — he inhaled and licked the air— his hands palming the tent in his shorts. If only he knew your locker combination.

Your classmate pulled his shorts down, and his boxers followed suit. He finally freed himself from his confinements, and he rubbed his hand up and down his length. He masturbated at the thought of you often. He only needed an image of you, a scent, or an item of yours. Either way, his dick would be in his hands, twitching and cumming.

When he wasn’t stalking you and literally trying to learn everything about you, he took the liberty to primp himself. He wanted to look good for you after all. He would wake up early, shave and even wax his body clean of body hair, cut his nails, and do shit to his cuticles. He went to the barbershop and got a new hair cut, and made sure his face was clean and shaven. If that wasn’t your thing he would grow it all out.

He was a bit hesitant to do much with his lower body. But he sucked it up and made sure to trim down there too. He wasn’t used to shaving, and had to buy a couple of bandaids. A sanrio bandaid near his crotch.

And he realized he was deeply out of shape. Shit. When you were running on the tracks, so was he. He had to hold his breath to hide his deep and hard breathing. He soon found out he shouldn’t have done that.

You came over to him after he briefly passed out cold on the ground. He slowly opened his eyes, and you came into the view, and he saw a tiny bit up your shorts. That was enough for him to go into a frenzy.

He bought all of the fruits he could find, he read on the internet that the best way to eat someone out, and practice, was to use fruit. The peaches juices were dripping down his neck as he continued to tongue, and devour the hole. He imagined that he was on the ground and you were sitting on his face, his arms would lock you down onto him, making you put your full weight on him. Suffocate him for all he cares, he just wanted to hear you say his name. Or at least acknowledge that he exists.

He isn’t popular like you are, but he has his own group of friends. And by friends, he means your siblings. The only natural way to get close to you, was through your family after all. Plus, if you two were to get married, he already had an in with the family.

It also meant he could see your room. He snuck away for a minute to examine where you slept. He slowly knelt down, his hips aligned with corner of the mattress, and he digs his face into your sheets. His hands gripped the soft plush of your blanket, his cock rubbing against the corner. He whined as wanted more, he just wanted to bury himself deep inside you, and feel your warmth around him. He bets that it would feel like heaven.

Your classmate quickly retracted as he felt a tiny wet spot growing on his pants, his face flushed as he sat back down onto his ass. When he does so, his hands land on a piece of fabric. Out of instinct his hands curl around it and he picked it up, he inspected it and his eyes widens. Your underwear. In his hand.

His hand was tightly gripped around his mouth and the other was around his cock. His back was arched and he locked himself away in your bathroom. He loved the feeling of your underwear rubbing on his tip, and his hips snapped against his hand. He closed his eyes and he imagined you were giving him a handjob instead. Fuck, he just needed to smell you instead. He smelled your underwear, as he climaxed, his cum dribbling on the floor.

When you applied for college, he did too. He found out every single one you wanted to go to from your siblings. He got waitlisted. You got accepted. It wasn’t even a straight up rejection, it wasn’t a yes, and it was just a damn maybe.

He winced, his eyes almost closing as he smiled for the picture. It turned out alright and he paid the fee. A couple of months later, he got his passport in the mail. He booked his flight, and he lied right to your face. He convinced you to get an apartment with him instead of going to a dorm, and he followed you around campus, even though he doesnt have a single class there.

Allure: This is a bit of a different format from how I usually write, and idk how to feel about it lol! Here’s the c.ai link: https://share.character.ai/Wv9R/ondwnvhr

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