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Loan Against Property

Your property's value, unlocked at a lower rate.

Compare loan-against-property offers from leading lenders. Borrow against a residential or commercial property — for business or personal needs — at rates far below an unsecured loan.

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No impact on credit score Use the funds for anything
9% p.a.
Interest rate, starting from
₹10 Cr
Maximum loan amount
Up to 20 yrs
Long, flexible tenure
Up to 70%
Of property value (LTV)

EMI calculator

Plan your LAP EMI

A secured loan means a lower rate and a longer tenure. Model it here, then compare lenders.

₹50,00,000
10.5%
10 years

Illustrative only. Your actual rate depends on the lender, property and your profile.

Your monthly EMI
₹67,467
Principal₹50,00,000Total interest₹30,96,040

Lender rates

Loan-against-property rates, compared

Indicative starting rates across leading lenders. Your matched offers are personalised after a free soft check.

LenderInterest rate (p.a.)Processing feeMax LTV
Bajaj Finance9.00% onwardsUp to 1%70%
Tata Capital9.50% onwardsUp to 1%70%
Aditya Birla Finance9.75% onwardsUp to 1%65%
PNB Housing Finance10.00% onwards0.5%–1%70%
L&T Finance10.50% onwardsUp to 1.5%60%

Rates, fees and LTV shown are indicative, for illustration only, and decided by each lender at its discretion. Not an offer or a guarantee of approval.

Eligibility & documents

What you'll need to apply

The loan is secured against your property, so the lender assesses both you and the asset.

Who can apply

  • Own a residential or commercial property with clear title
  • Salaried or self-employed, aged 25 to 70
  • Stable income that comfortably covers the EMI
  • Property free of major disputes or encumbrances
  • Credit score of 700+ for the best rates

Documents needed

  • KYC — PAN & Aadhaar
  • Property documents — title deed, chain of ownership, approvals
  • Income proof — salary slips & Form 16, or ITR for self-employed
  • Bank statements — last 6 months
  • Property tax receipts / valuation, if requested

How to apply

From comparison to funds in three steps

1

Share your details

Property type, value and a few quick facts. Fully online, about two minutes.

2

Compare real offers

Rates, EMIs and total cost side by side, with a soft check that won't touch your score.

3

Unlock your funds

Pick a lender, complete property valuation and legal checks, and receive your loan.

Good to know

Loan-against-property questions

What kinds of property qualify?
Most lenders accept self-owned residential or commercial property with a clear, marketable title. Some also lend against certain plots. The property must be free of significant legal disputes.
How much can I borrow against my property?
Typically 50% to 70% of the property's market value (the loan-to-value ratio), depending on the property type, your profile and the lender.
Can I use the money for anything?
Yes. A loan against property is flexible — you can use it for business expansion, a medical emergency, education, a wedding or debt consolidation. It can't be used for speculative purposes.
Why is it cheaper than a personal loan?
Because it's secured against your property, the lender takes on less risk — and passes that on as a materially lower interest rate and a longer repayment tenure.
How long can the tenure be?
LAP tenures often run up to 15 to 20 years — much longer than an unsecured loan — which keeps the EMI manageable on a larger amount.

Compare loan-against-property offers in two minutes

Free, with no impact on your credit score. Put your property to work at a rate far below unsecured borrowing.

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