Higher Loan Amount
Get a larger loan amount as compared to unsecured loans.
Loan Against Property
Unlock The Value Of Your Property
Get higher loan amounts at competitive interest rates by leveraging your residential or commercial property. Use the funds for business expansion, education, medical needs or any other financial goal.
Why Choose a Loan Against Property?
A secured loan option that helps you access larger funding with flexible usage.
Lower Interest Rates
Benefit from competitive interest rates starting at low rates.
Flexible Tenure
Repayment tenure up to 20 years depending on the lender.
Multiple Usage Options
Use the funds for business, education, medical needs, home renovation and more.
Types of Property Accepted
Lenders may accept different property types based on title, location and policy.
Residential Property
Self-occupied property, rented property, under-construction property.
Know More
Loan Against Property Eligibility
Check the basic eligibility criteria to understand your loan against property options.
Age
21 – 70 Years
Property Ownership
Self-owned / Co-owned property
Income Stability
Salaried or Self-employed
Property Value
As per lender criteria
Loan Against Property EMI Calculator
Estimate your monthly EMI and plan your finances with confidence.
Your Estimated EMI
₹ 51,992 / month
- Total Loan Amount ₹ 50,00,000
- Total Interest ₹ 43,58,560
- Total Payment ₹ 93,58,560
Documents Required
Keep the following documents ready to process faster with confidence.
Identity Proof
- Aadhaar Card
- PAN Card
- Passport / Voter ID
- Driving License
Property Documents
- Sale Deed / Title Deed
- Property Tax Receipts
- Approved Building Plan
- Encumbrance Certificate
Income Proof
- Salary Slips (3m)
- Bank Statements
- Business Financials (for self-employed)
Other Documents
- Address Proof
- Photographs
- NOC (if required)
- Property Valuation Report
Our Lending Partners
Compare loan against property options from top banks and financial institutions.
Your Loan Against Property Process
From application to approval, we guide you at every step.
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01
Check Eligibility
Share your basic details and property information.
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02
Compare Options
Explore offers from multiple lenders.
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03
Submit Application
Complete your application with required documents.
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04
Loan Approval
Get approval and receive funds in your account.
Compare Loan Against Property Offers
Indicative loan amount, rates, tenure and processing fee from leading lenders.
| Lender | Loan Amount | Interest Rate (p.a.) | Tenure | Processing Fee | Action |
|---|---|---|---|---|---|
| HDFC Bank | ₹ 10 Lakh - 5 Crore | From 8.50% | Up to 20 Years | Up to 0.5% | View Details |
| ICICI Bank | ₹ 10 Lakh - 5 Crore | From 9.00% | Up to 15 Years | Up to 1.0% | View Details |
| SBI | ₹ 10 Lakh - 5 Crore | From 8.75% | Up to 15 Years | Up to 0.5% | View Details |
| Axis Bank | ₹ 10 Lakh - 5 Crore | From 9.25% | Up to 20 Years | Up to 0.5% | View Details |
Frequently Asked Questions
Get answers to common questions about loans against property.
What is a loan against property (LAP)?
LAP is a secured loan where you mortgage residential or commercial property to borrow funds. You repay in EMIs over an agreed tenure while continuing to use the property as per lender terms.
Who is eligible for a loan against property?
Salaried and self-employed individuals who own eligible property with clear title, stable income and required documentation can apply, subject to lender policy.
Which property types are accepted?
Lenders may accept residential, commercial, industrial property and plots depending on title clarity, location and valuation.
How much loan can I get against my property?
Loan amount depends on property value, LTV, income, existing obligations and lender policy. BankEMI helps you compare eligible offers.
What are the interest rates for LAP?
Rates vary by lender, property type and borrower profile. Compare indicative offers on BankEMI before you apply.
How long does LAP approval take?
Timelines depend on legal/technical verification and documents. Many cases progress within a few weeks after property valuation.
What documents are required for LAP?
Typically identity proof, property documents, income proof, bank statements and photographs. Additional documents may be needed for valuation or NOC.
Can I use LAP funds for any purpose?
Funds can often be used for business, education, medical needs, home renovation and other permitted purposes as per lender guidelines.
Can I prepay or foreclose my LAP?
Most lenders allow prepayment or foreclosure. Charges and notice periods depend on the lender and loan agreement.
How can I contact a BankEMI expert?
Use Talk to an Expert on this page, visit our contact page, or start an application for guided support.
Unlock Your Property's Value With Expert Guidance
Compare LAP offers from multiple lenders and apply with support from BankEMI.