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Loan Against Property

Apni property ki value ko use karein aur bada loan lein — business expansion, personal zaroorat ya kuch bhi ke liye. Lowest rates, highest amount.

LAP

Property Pe Loan Kyun Lein?

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Bada Loan Amount: Up to ₹10 Crore — property value ka 60-75%
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Sabse Kam Rate: Secured loan hone ki wajah se lowest rate 9% se
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Long Tenure: Up to 20 saal ki tenure — chhoti EMI
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Har Purpose: Business, medical, wedding, education — koi restriction nahi
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Property Use Karein: Loan ke dauran property aap use karte rahein
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Balance Transfer: Existing LAP ka better rate pe transfer bhi possible

LOAN AMOUNT
Up to ₹10 Crore
INTEREST RATE
From 9% p.a.
MAX TENURE
Up to 20 Years

Eligible Properties

Kaun Si Property Pe Loan Milega?

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Residential Property

Ghar, flat, bungalow, row house — koi bhi residential property pe loan milega.

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Commercial Property

Office, shop, showroom, warehouse ya koi bhi commercial space pe loan lein.

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Industrial Property

Factory, industrial shed, manufacturing unit — industrial property pe bhi LAP milega.

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Under Construction

Under construction property pe bhi loan possible — specific conditions ke saath.

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Plot / Land

Residential ya commercial plot pe Loan Against Property liya ja sakta hai.

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Rented Property

Rented out property pe bhi loan milta hai — rental income bhi income mein count hoti hai.

Rates

LAP Interest Rates

Bank / NBFC	Interest Rate	LTV Ratio	Max Amount	Tenure
SBI	9.15% – 11%	Up to 65%	₹7.5 Cr	15 Years
HDFC Bank	9.5% – 11.5%	Up to 60%	₹10 Cr	20 Years
ICICI Bank	9.85% – 11%	Up to 65%	₹10 Cr	15 Years
Axis Bank	10.5% – 13%	Up to 60%	₹5 Cr	20 Years
Bajaj Finance	9% – 14%	Up to 75%	₹5 Cr	18 Years

Calculator

LAP EMI Calculate Karein

Loan Amount ₹50 Lakh

Interest Rate 9.5%

Loan Tenure 15 Years

LAP Apply Karein →

MONTHLY EMI

₹52,212

Principal₹50,00,000

Total Interest₹43,98,160

Total Payable₹93,98,160

Requirements

Eligibility & Documents

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Eligibility

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Age: 21 – 70 Years
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Salaried / Self-Employed / Business Owner
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CIBIL Score 650+
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Clear property title (No dispute)
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Property should be in approved municipal area

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Documents

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Aadhar Card + PAN Card
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Property documents (Sale deed, Title deed, etc.)
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Last 3 year ITR + Financial statements
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Last 12 month bank statement
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Property valuation report