Loan Against Property
Unlock the Value of Your Property for Large Financial Needs
Up to ₹15 Crore
Loan Amount
9% - 16%
Interest Rate
Up to 20 Years
Tenure
Up to 70%
Property Value
Leverage Your Property Value for Major Financial Goals
Unlock the substantial value trapped in your residential or commercial property to fund your business expansion, children's education, medical emergencies, or any other significant financial requirement with attractive interest rates and flexible terms.
- High loan amount up to ₹15 crore against property value
- Attractive interest rates starting from 9% per annum
- Flexible repayment tenure up to 20 years
- Loan up to 70% of property market value
- Use funds for any legitimate purpose
- Keep using your property while loan is active
🏢 Get High-Value Funding in 5-7 Days!
Quick processing for property-backed loans with competitive rates and higher loan amounts
Why Choose Loan Against Property?
High Loan Amount
Get substantial funding up to ₹15 crore based on your property value - much higher than unsecured loans.
Lower Interest Rates
Enjoy competitive rates starting from 9% per annum - significantly lower than personal loans and credit cards.
Keep Your Property
Continue living in or using your property for business while the loan is active - no need to vacate.
Long Tenure
Flexible repayment tenure up to 20 years ensures comfortable EMIs that fit your budget.
Multiple Usage
Use funds for business expansion, education, medical needs, debt consolidation, or any legitimate purpose.
Simple Process
Straightforward documentation with property as primary security - faster than complex business loans.
Accepted Property Types
Residential Property
Independent houses, apartments, flats, row houses, and residential plots with clear title
Commercial Property
Office buildings, shops, showrooms, warehouses, and commercial complexes
Industrial Property
Manufacturing units, factories, industrial plots, and production facilities
Self-Occupied Property
Your own residence or business premises that you currently occupy
Rental Property
Investment properties that generate rental income with proper documentation
Land/Plots
Residential or commercial plots in approved layouts with clear titles
How You Can Use LAP Funds
Business Expansion
Scale operations, new ventures, equipment purchase
Education Funding
Higher education, professional courses, studying abroad
Medical Emergency
Major surgeries, treatments, medical equipment
Wedding Expenses
Marriage ceremonies, events, jewelry, celebrations
Debt Consolidation
Clear multiple high-interest loans and credit cards
Property Investment
Buy additional property, construction projects
Working Capital
Business cash flow, inventory, operational needs
Any Other Purpose
Personal or business needs, financial goals
Loan Against Property Details & Features
Loan Features
- Loan Amount: ₹10,00,000 to ₹15,00,00,000
- Interest Rate: 9% - 16% per annum
- Tenure: 5 years to 20 years
- LTV Ratio: Up to 70% of property value
- Processing Fee: 0.5% - 2% of loan amount
- Prepayment: Allowed with minimal charges
Eligibility Criteria
- Age: 25 to 70 years at loan maturity
- Income: Minimum ₹50,000 per month
- Employment: Salaried/Self-employed/Business
- Property: Clear marketable title
- Credit Score: 700+ preferred
- Property Age: Maximum 40 years
Property Requirements
- Clear and marketable title
- Approved by local authorities
- No legal disputes or litigation
- Proper property documents
- Located in approved areas
- Adequate property valuation
- Insurance coverage required
- Regular property tax payments
Key Benefits
- No end-use restrictions
- Lower rates than personal loans
- High loan-to-value ratio
- Continue using your property
- Tax benefits on business usage
- Flexible repayment options
- Part-payment facility available
- Quick processing and approval
Documents Required
Identity & Address Proof
Aadhaar, PAN, Passport, Voter ID, Utility Bills
Income Documents
Salary slips, ITR, Form 16, Business financials
Bank Statements
12 months statements of salary/business account
Property Documents
Title deeds, sale deed, property card, survey records
Property Approvals
Building plan approvals, NOC, completion certificate
Property Tax Receipts
Latest property tax receipts and utility bills
Valuation Report
Property valuation by bank-approved valuers
Photographs
Passport photos and property photographs
Simple Application Process
Submit Application
Apply online with basic details and loan requirement
Document Collection
Submit personal and property documents for verification
Property Valuation
Professional property assessment and legal verification
Loan Approval
Credit assessment and loan sanction with terms
Legal Formalities
Property registration and loan agreement signing
Disbursement
Loan amount transferred to your account
Frequently Asked Questions
Ready to Unlock Your Property's Value?
Get high-value funding at attractive rates using your property as security