HomeLoansLoan Against Property

Loan Against Property

Unlock the value locked in your home, shop or commercial property — for business expansion, education, a wedding or any large need — at a low interest rate and a comfortable, long tenure.

5 Cr
Loan up to*
9% p.a.
Interest starting from*
Up to 15
Years tenure

*Up to ~70% of property value. Indicative — depends on lender, property and profile.

Why this loan

Features & benefits

High loan amount

Borrow a large sum — up to around 70% of your property's market value.

Lower interest

Because it's secured against property, the rate is far lower than an unsecured loan.

Long tenure

Repay comfortably over up to 15 years with a smaller monthly EMI.

Keep using it

You continue to own and use your property throughout the loan.

Any purpose

Business, education, medical, wedding — use the funds however you need.

Residential or commercial

Pledge a home, shop, office or plot — many property types qualify.

Eligibility

Who can apply

  • You own a residential or commercial property with a clear title
  • Salaried, self-employed professional or business owner
  • Age between 21 and 65 years at loan maturity
  • Stable income that supports the EMI
  • Property free of major legal disputes or encumbrances
Documents

Documents required

KYC & income

  • PAN, Aadhaar & address proof
  • Salary slips / ITR & 6 months' bank statements

Property papers

  • Title deed / sale deed of the property
  • Latest property tax receipts & approved plan

Get Instant Loan Against Property
with the LoanBandhu App

Track your application and EMIs on the go. Coming soon to Android & iOS.

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Apply on web instead
LAP FAQs

Questions, answered

How much can I borrow against my property?

Typically up to around 70% of your property's current market value, subject to your income and the lender's policy. Your consultant will assess the exact eligible amount.

Can I keep using my property?

Yes. You continue to own, live in or operate from your property throughout the loan. The lender only holds it as security.

Why is the interest rate lower than a personal loan?

Because the loan is secured against your property, it carries lower risk for the lender — which means a noticeably lower interest rate for you.

What kind of properties qualify?

Residential homes, commercial shops, offices and certain plots with clear, marketable titles usually qualify. Share your details and we'll confirm.

Ready when you are

Unlock your property's value today.

Free, no-obligation guidance at the lowest possible rate.

Loan Bandhu
95190 66658
Get started

Enquire about your Loan Against Property

Share a few details and your dedicated Loan Bandhu calls you with the lowest-ROI offer. Free & no-obligation.

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