Lowest Rates · High Amounts · Any Purpose

Loan Against Property
up to ₹10 Crore

Unlock the hidden value in your property. Get a secured loan against your residential or commercial property at the lowest interest rates — for any personal or business purpose.

🏗️Up to ₹10 Crore
📉From 9.5% p.a.
📅Up to 15 Years
🎯Any Purpose
Apply Now — Free 📞 Call Us
₹10Cr
Max Loan Amount
Based on property value
9.5%
Starting Interest Rate
p.a. from top banks
15yrs
Max Loan Tenure
Lowest EMI possible
65%
LTV Ratio
Of property market value
Property Types Accepted

Which Property Can You Mortgage?

We accept a wide range of property types. The loan amount is determined by the market value of your property and your repayment capacity.

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Residential Property
Up to 65% of Value
Self-occupied or rented residential properties — flats, bungalows, row houses, or villas. One of the most commonly accepted property types with the highest LTV ratio.
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Commercial Property
Up to 60% of Value
Offices, showrooms, shops, or commercial complexes. Lenders offer LAP against commercial property for business owners needing higher loan amounts.
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Industrial Property
Up to 55% of Value
Factories, warehouses, industrial sheds, or manufacturing units. Available with select lenders for business owners with registered industrial properties.
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Plot / Land
Up to 50% of Value
Non-agricultural residential or commercial plots in approved layouts. Available with select NBFCs and banks with clear title and NA (non-agricultural) status.
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Balance Transfer of LAP
Save on Interest
Already have a loan against property at a high rate? Transfer to a lower-rate lender. Even a 1% reduction on a ₹1 Crore LAP can save ₹8–12 Lakhs over the tenure.
💰
Top-Up on Existing LAP
On Existing Mortgage
If you already have a LAP and your property value has appreciated, you may be eligible for a top-up loan on the same property without fresh documentation.
Why Apply With Us

The Smartest Way to Unlock Your Property Value

We compare 20+ lenders, get you the highest loan amount at the lowest rate, and handle all legal and technical formalities.

💰
Highest Loan Amount
We help you maximise the loan amount by choosing the right lender and getting the best property valuation. Up to 65% of your property's market value.
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Lowest Interest Rate
LAP rates start from 9.5% p.a. — much lower than personal loans or business loans. We compare 20+ lenders to get you the most competitive rate for your profile.
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Any Purpose — No Restriction
Use the funds for business expansion, children's education, medical expenses, debt consolidation, or any other personal or professional need. No end-use restriction.
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Complete Legal Assistance
Our team guides you through property valuation, legal verification, technical checks, and MODT (Memorandum of Deposit of Title Deeds) — end to end.
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Dedicated LAP Advisor
A single advisor manages your entire application — from property evaluation to final disbursement. No running between banks, valuers, and legal teams.
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Zero Fees for Borrowers
Our entire advisory service is completely free for you. We earn only from our lending partners after disbursement. No upfront fees, no hidden charges, ever.
Who Can Apply

Eligibility Criteria

For salaried and self-employed applicants:

Age21 to 65 years at loan maturity
Minimum Income (Salaried)₹40,000/month net take-home salary
Minimum Income (Self-Employed)₹3 Lakhs+ annual net profit as per ITR
CIBIL Score650+ for NBFCs | 700+ for banks
Property OwnershipClear title in applicant's name or close family member (co-applicant)
Property LocationProperty must be in an approved city or municipality — not in restricted or tribal zones
Documents Needed

Documents Checklist

We guide you on exact documents needed for your profile and property type:

KYC DocumentsAadhaar, PAN Card, passport size photos
Income Proof (Salaried)3 months salary slips + 6 months bank statement + Form 16
Income Proof (Self-Employed)2 years ITR + P&L + 12 months bank statement
Property DocumentsTitle deed / Sale deed / Index II / Property tax receipts / Society NOC
Other DocumentsExisting loan statement (if any) + address proof + property chain documents
EMI Calculator

Calculate Your LAP EMI

Use our EMI calculator to plan your Loan Against Property repayment. Adjust the sliders to see how tenure and rate affect your monthly outflow.

🏗️ LAP EMI Estimator
Loan Amount ₹50,00,000
Interest Rate 10% p.a.
Tenure 10 Years
₹66,075
Monthly EMI
Total Amount:₹79,29,000
Total Interest:₹29,29,000
Principal:₹50,00,000
How It Works

Get Your LAP Approved in 4 Simple Steps

Our advisors manage the entire process — from property valuation to funds in your account.

📝
Apply Online
Fill the form below or call us. Share details about your property, income, and loan requirement.
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Property Valuation
Our advisor arranges a bank-empanelled valuer to assess your property and maximise the loan amount you qualify for.
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Legal & Document Check
We assist with legal title verification, technical reports, and complete document submission to the bank on your behalf.
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Sanction & Disbursal
Loan sanctioned and funds credited to your account. Property documents held by the bank as security until full repayment.
Apply Now — Free
Unlock Your Property Value in 4 Simple Steps
Fill the form — our LAP advisor will call you within 30 minutes to assess your property, check eligibility, and guide you through the entire process.
✅
100% Free Consultation — No charges to apply
📞
Callback within 30 minutes (Mon–Sat, 9am–7pm)
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Compared across 20+ banks & NBFCs
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Property valuation assistance included
📋
Complete legal & technical support
Apply for Loan Against Property
Fill in your details — takes less than 2 minutes
Secure · Confidential · Free












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    Our Lenders

    LAP from India's Top Banks & NBFCs

    We compare rates across all these lenders to unlock maximum value from your property.

    HDFC Bank
    Kotak Mahindra
    Axis Bank
    IDFC First Bank
    Bajaj Finance
    SMFG India Credit
    InCred Finance
    Aditya Birla Finance
    IndusInd Bank
    Yes Bank
    FAQ

    Frequently Asked Questions

    Everything you need to know about Loan Against Property in India.

    How much loan can I get against my property?
    Typically 50–65% of your property's current market value (LTV ratio). For a property worth ₹1 Crore, you can get ₹50–65 Lakhs. The exact amount also depends on your income, credit score, and existing obligations. We help maximise your eligible amount.
    Can I continue living in my property after taking a LAP?
    Absolutely yes. A Loan Against Property is a mortgage — only the property documents are held by the bank as security. You continue to stay in or rent out your property as usual throughout the loan tenure.
    What can I use the LAP amount for?
    There is no restriction on end-use for most LAP products. Common uses include business expansion, debt consolidation, children's education abroad, medical emergencies, property purchase, or any other significant personal or professional expense.
    Is LAP better than a personal loan or business loan?
    For large amounts (₹25 Lakhs+), LAP is significantly better. Rates are 9.5–13% vs 14–24% for unsecured loans. Tenure is up to 15 years vs 5–7 years. This results in dramatically lower EMIs for the same amount. The trade-off is your property is pledged as security.
    Can a self-employed person get a LAP?
    Yes. LAP is very popular among self-employed individuals and business owners since it offers large amounts at low rates for any business purpose. You need 2 years of ITR and 12 months bank statements. Commercial property owners can also pledge their business premises.
    What happens if I can't repay the loan?
    In case of prolonged default, the lender has the legal right to auction the mortgaged property to recover the outstanding loan amount. However, lenders always prefer to resolve through restructuring. We recommend always applying for an amount whose EMI is comfortably within your repayment capacity.
    Unlock Your Property Value

    Get the Best LAP Rate
    in 7–10 Working Days

    Fill in the enquiry form or call/WhatsApp us directly. Free consultation, zero obligation. We compare 20+ lenders and handle everything from property valuation to final disbursement.

    📞 Call: +91 73040 65366 WhatsApp Us