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Property Loan (LAP)

Property Loan &
Loan Against Property (LAP)

Loan amount | Quick Disbursal | Flexible EMI

Home>Property Loan (LAP)>Overview

Property Loan (LAP) Overview

Unlock up to 75% of your property's certified market valuation with low mortgage Property Loan interest rates starting from 9.00% p.a., extended 15-20 year repayment, and complete retention of ownership.

Property Loan (LAP) Interest Rates & Key Details
Interest RatesFrom 9.00% p.a.
Loan Amount₹25L – ₹10Cr
Maximum TenureUp to 15-20 Years
Disbursal Turnaround5 to 7 Working Days
Upfront ChargesZero Advance Cash Fees
verifiedAuthorized Lending Bank PartnersInstant Sanction Desks
State Bank of India
SBIStarting 9.00% p.a.
Punjab National Bank
PNBStarting 9.10% p.a.
HDFC Bank
HDFC BankStarting 9.25% p.a.
ICICI Bank
ICICI BankStarting 9.50% p.a.
Axis Bank
Axis BankStarting 9.75% p.a.
Piramal Finance
Piramal FinanceStarting 9.90% p.a.
Direct Disbursal Channel

Apply for Property Loan (LAP)

Compare instant quotes across 50+ banks with zero upfront charges.

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₹75,00,000
₹25,00,000₹10,00,00,000
speed
Estimated EMI (~5 Yrs)₹1,61,204 /mo
Sanction SLAWithin 24 Hours
lock256-Bit SSL•verified_userDPDP Compliant•money_offZero Upfront Fee

Authorized Co-Lending Network With 50+ Scheduled Banks & Premier NBFCs

HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
HDFC Bank
HDFC Bank
Starting 8.75% p.a.
State Bank of India
State Bank of India
Starting 7.25% p.a.
Punjab National Bank
Punjab National Bank
Starting 7.25% p.a.
Canara Bank
Canara Bank
Starting 7.25% p.a.
Indian Bank
Indian Bank
Starting 7.25% p.a.
ICICI Bank
ICICI Bank
Starting 8.90% p.a.
Axis Bank
Axis Bank
Starting 9.25% p.a.
Kotak Mahindra Bank
Kotak Mahindra Bank
Starting 8.50% p.a.
IDFC FIRST Bank
IDFC FIRST Bank
Starting 9.75% p.a.
Tata Capital
Tata Capital
Starting 9.99% p.a.
Bajaj Finserv
Bajaj Finserv
Starting 10.50% p.a.
Piramal Finance
Piramal Finance
Starting 9.40% p.a.
L&T Finance
L&T Finance
Starting 10.25% p.a.
IndusInd Bank
IndusInd Bank
Starting 9.40% p.a.
Bank of Baroda
Bank of Baroda
Starting 8.60% p.a.
Poonawalla Fincorp
Poonawalla Fincorp
Starting 9.99% p.a.
auto_awesomeKey Advantages

Property Loan (LAP) Features & Benefits

Key product features and underwriting advantages tailored for you.

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01

High Loan Amount (Up to 75% LTV)

Unlock maximum liquidity from ₹25 Lakhs up to ₹10 Crore based on certified technical property valuation.

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02

Low Interest Rates from 9.00% p.a.

Significantly cheaper interest rates compared to unsecured business or personal loans.

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03

Extended 15-20 Year Repayment

Long repayment horizon keeping monthly EMIs low and manageable for long-term cash flow.

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04

Multi-Property Eligibility

Pledge residential houses, freehold builder flats, commercial shops, office spaces, and industrial plots.

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05

Flexible Multipurpose End-Use

Use funds freely for business expansion, debt restructuring, working capital, or personal milestones.

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06

Balance Transfer & Top-Up

Transfer existing high-rate LAP from other lenders to lower your interest and unlock surplus top-up funds.

fact_checkFast-Track Verification

Eligibility & Documents Required

Minimal documentation with 100% digital verification.

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Eligibility Criteria

Basic qualifications to apply

  • check_circleAge Range: 21 to 65 years at the time of loan maturity.
  • check_circleEmployment Status: Salaried Individuals, Self-Employed Professionals (Doctors, CAs), Business Proprietors, Directors.
  • check_circleProperty Title: Clear, marketable freehold title without pending litigation or municipal encumbrances.
  • check_circleEligible Properties: Freehold residential apartments, independent houses, approved commercial buildings, industrial plots.
  • check_circleIncome Stability: Verifiable income source to service monthly mortgage obligations.
  • check_circleCredit Profile: Minimum 680+ CIBIL score.
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Documents Required

Simple digital paperless upload

  • task_altProperty Title Documents: Registered Sale Deed, Conveyance Deed, Allotment Letter, Mother Deed chain for 13–30 years.
  • task_altMunicipal Approvals: Approved Building Sanction Plan, Latest Paid Property Tax Receipts, Occupancy Certificate (OC).
  • task_altKYC of Applicants: PAN Card, Aadhaar Card, Passport or Voter ID of all co-owners and applicants.
  • task_altIncome Proofs (Salaried): Last 3 Months Payslips, Form 16 (Part A & B), 6 Months Bank Statements.
  • task_altIncome Proofs (Self-Employed): Last 3 Years Audited Financials with ITR and Computation, 12 Months Current Bank Statements, GST Certificate.
calculateInstant Financial Underwriting Tools

EMI Calculator for Property Loan (LAP)

Simulate your monthly installment and total interest for Property Loan (LAP).

₹75,00,000
₹1 Lakh₹1 Crore₹5 Crore
9.00%
7.20%15.00%24.00%
10 Yrs (120 Mos)
1 Year5 Years10 Years20 Years
Estimated Monthly EMI
₹95,007/ month
Principal: 66%Interest: 34%
Principal Amount₹75,00,000
Total Interest₹39,00,840
Total Amount Payable₹1,14,00,840
10 Years Tenure
quizFAQs

Frequently Asked Questions

You can get loans from ₹25 Lakhs up to ₹10 Crore, funding up to 75% of the property's certified market valuation.

Ready to Apply for Property Loan (LAP)?

Get matched across 50+ premier banks & NBFCs with zero upfront fees and minimal paperwork.

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