Higher loan amount
Because the loan is secured, you can typically borrow more than with an unsecured loan.
Loan Against Property
Unlock the value of your residential or commercial property to fund business needs, education, medical costs or other large expenses, while you continue to own and use it.
- Larger loan amounts at lower rates than unsecured loans
- Longer tenures for comfortable EMIs
- Property remains with you
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Why choose this
What you get with our Loan Against Property support
Lower interest
Secured lending generally costs less than personal or business loans.
Long tenure
Longer repayment periods help keep monthly EMIs manageable.
Multiple uses
Use it for business growth, education, weddings, medical needs or debt consolidation, subject to lender policy.
Balance transfer
Already have a LAP at a high rate? We can evaluate moving it for a lower cost.
Property stays with you
You keep ownership and use of the property during the loan tenure.
Free tool
Plan your numbers
Play with the sliders, then talk to us to turn it into a real plan.
Estimate your EMI
Illustrative estimate only. Actual EMI depends on the lender's rate and terms.
Who can apply
- Owner of a clear-title residential, commercial or industrial property
- Salaried or self-employed with repayment capacity
- Age generally between 25 and 65 years
- Acceptable credit history
- Property in an area the lender lends against
Documents typically needed
- PAN and Aadhaar
- Property title documents and previous chain
- Latest property tax receipts
- Income proof (salary slips or ITR)
- Last 6 to 12 months bank statements
The exact list varies by provider. We share a precise checklist after a quick call.
How it works
From enquiry to completion
- 1
Share property and need
Property type, location, approximate value and funding need.
- 2
We compare offers
Loan-to-value, rate, fees and tenure across lenders.
- 3
Valuation and legal check
We coordinate the lender's technical and legal verification.
- 4
Sanction and disbursal
Review the final terms with us before signing.
FAQ
Loan Against Property: common questions
How much can I borrow against my property?
Lenders usually fund a percentage of the property's market value, subject to income and repayment capacity. We estimate this for you.
What happens if I cannot repay?
Since the property is security, missed repayments can lead to recovery action by the lender. Borrow only what you can comfortably repay.
Can I use it for business?
Yes, many borrowers use LAP for business funding. Some lenders restrict end-use, so we check this first.
Is the property valued by the lender?
Yes. The lender conducts a technical valuation and legal verification before sanction.
Get started
Let's talk about your loan against property
Share your requirement and an advisor will get back to you with clear, suitable options.
Get your free consultation
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