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Unlock Liquidity

Unlock the Value of
Your Property.

Leverage your residential or commercial property to raise funds for business, expansion, or personal needs — with complete legal & banking support.

Higher loan value Longer tenure Expert legal scrutiny

What is a Loan Against Property (LAP)?

A Loan Against Property allows you to raise funds by pledging an owned residential or commercial property as collateral, while retaining ownership and usage of the property.

When Does LAP Make Sense?

  • Business expansion or working capital
  • Debt consolidation
  • Large personal or medical expenses
  • Education or long-term investments

LAP vs Home Loan — Key Differences

  • Higher scrutiny than home loans
  • Interest rates slightly higher
  • Income strength matters more than property value
  • Flexible end-use of funds

How Much Can You Borrow?

Banks and NBFCs typically offer 50%–65% of property value, based on income stability and repayment capacity. Commercial properties may fetch higher value.

Things You Must Know Before LAP

  • Property is collateral — default risk exists
  • Longer processing time than home loans
  • Strong legal clarity is mandatory

Banks vs NBFCs for LAP

  • Banks (SBI / HDFC): Lower rates, very strict approvals
  • NBFCs: Slightly higher rates, more flexible income norms
NBFCs are often preferred for self-employed & business owners.

Calculate Your Loan

Estimate your EMI, eligibility, and property value leverage.

₹
%
Years

Monthly EMI

₹52,211

Total Interest₹43,97,980
Total Payable₹93,97,980

Note: These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances.

Documents Required

Comprehensive list for Loan Against Property

Property Documents (Very Strict)

Registered Sale Deed (mandatory)
Parent Title Deeds (30–40 years)
Encumbrance Certificate (full chain)
Approved building plan
Occupancy Certificate / Completion Certificate
Khata Certificate & latest tax paid receipts
Rental agreement (if rented)
Photographs of property (inside & outside)

Income Documents

PAN Card + Aadhaar
Last 3 months Salary Slips
Form 16 (last 2 years)
Bank Statement (last 6 months)
Existing Loan Details (if any)

Note: Income scrutiny is stricter than home loans.

Our Banking & NBFC Partners

We work with India's top lenders to get you the best LTV and rates.

I

Indian Bank

8.5% onwards
15 Years
B

Bank of Baroda

8.6% onwards
15 Years
S

SBI LAP

8.7% onwards
15 Years
H

HDFC LAP

8.75% onwards
15 Years
A

Axis Bank

8.8% onwards
15 Years
L

LIC HFL

8.8% onwards
15 Years
I

ICICI Bank

8.9% onwards
15 Years
B

Bajaj Finserv

9.0% onwards
18 Years
K

Kotak

9.0% onwards
15 Years
G

Godrej Capital

9.2% onwards
20 Years
T

Tata Capital

9.5% onwards
15 Years
A

Aditya Birla

9.5% onwards
15 Years
L

L&T Finance

9.6% onwards
15 Years

Unsure if your property qualifies for LAP?

Get expert advice on legal due diligence, bank suitability, and risk guidance.