Home and property
Loan Against Property
Unlock large, low-cost capital from property you already own, without selling it.
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Amount
- ₹10 L to ₹15 Cr
- Tenure
- 5 to 20 years
- Processing fee
- 0.5% to 1.5% of the loan amount plus GST
Check property loan eligibility
Free pre-screen across our lender panel. No bureau enquiry.
About loan against propertys
A loan against property (LAP) is the most under-used product in Indian retail credit. Business owners borrow at 18% unsecured while a shop or flat they own could fund the same need at 9% to 11%, over a much longer tenure, with an EMI a third of the size.
The trade-off is process. LAP needs a clean title, a technical valuation and, for self-employed applicants, an income assessment that lenders approach very differently. Some go strictly by ITR; others accept banking-surrogate or GST-based programmes that recognise the real cash flows of a business. Knowing which lender runs which programme is the whole game, and it is what our desk does daily.
We handle residential, commercial, industrial and mixed-use properties, including rented ones through lease rental discounting, and we structure overdraft variants when you need flexible drawdown rather than a lump sum.
Rate note: Salaried borrowers and strong self-employed profiles with residential collateral start near 8.75% p.a.; commercial property and surrogate-income programmes price higher. Funding: Up to 70% of market value for residential property, 55% to 60% for commercial and industrial property.
Why borrowers choose it
What a loan against property through LoansPartner gets you
Roughly half the cost of unsecured credit
Secured pricing from 8.75% p.a. versus 14% to 24% on business or personal loans.
Tenures up to 20 years
Longer tenure means a manageable EMI even on a large amount.
Surrogate income programmes
Banking, GST and rental-based assessments for businesses whose ITR does not tell the full story.
Overdraft option
Draw only what you need, pay interest only on what you use.
Any lawful end use
Business expansion, debt consolidation, education, medical, wedding or a second property.
Keep owning, keep using
You continue to live in or rent out the property throughout the loan.
Common uses
- Business expansion at secured rates
- Consolidating unsecured loans and card debt
- Funding a child's overseas education
- Large medical or family expenses
- Buying another property or a plot
- Lease rental discounting on rented commercial property
Eligibility
Who qualifies
Norms vary by lender. These are the ranges across our panel; we tell you precisely where your profile fits before you apply.
- Age
- 21 to 70 years at loan maturity
- Income
- Sufficient documented or assessed income to service the EMI; rental income can be counted
- Credit score
- 700 and above; property quality can offset a slightly weaker score
- Employment
- Salaried individuals. Self-employed professionals and business owners with 3+ years of vintage. Companies and firms, with property owned by the entity or its promoters
- Also
- Property must have a clear, marketable title with approved construction
- Also
- All owners of the property must be co-applicants
Documents
What to keep ready
A complete file is the single biggest driver of a fast sanction. We collect everything digitally in one go.
- PAN, Aadhaar and photographs
- Last 3 months' salary slips, 6 months' bank statement, Form 16
- Complete chain of title documents, latest tax receipts and approved plan
- Society NOC or share certificate where applicable
- PAN, Aadhaar and photographs of all applicants
- Last 3 years' ITR with financials, or GST returns for surrogate programmes
- Last 12 months' bank statements
- Business proof and office address proof
- Complete property title chain, tax receipts, approved plan and occupancy certificate
How it works
Five steps, one point of contact
- 01
Share property details (type, location, ownership) alongside your income profile and the amount required.
- 02
We estimate eligibility on both value and income, and shortlist lenders with the best programme for your case.
- 03
Title documents are reviewed; the lender's legal and technical teams verify and value the property.
- 04
Sanction, Key Fact Statement and mortgage creation follow. We coordinate every signature.
- 05
Disbursal to your account, or directly to lenders being closed in a consolidation.
Indicative EMIs
What the instalment looks like
Computed at the lowest rate in this product's range. Run your own numbers in the EMI calculator.
| Loan amount | 10 yr | 15 yr | 20 yr | 20 yr |
|---|---|---|---|---|
| ₹10,00,000 | ₹12,533 | ₹9,994 | ₹8,837 | ₹8,837 |
| ₹20,00,000 | ₹25,065 | ₹19,989 | ₹17,674 | ₹17,674 |
| ₹50,00,000 | ₹62,663 | ₹49,972 | ₹44,186 | ₹44,186 |
| ₹1,00,00,000 | ₹1,25,327 | ₹99,945 | ₹88,371 | ₹88,371 |
| ₹2,00,00,000 | ₹2,50,654 | ₹1,99,890 | ₹1,76,742 | ₹1,76,742 |
Lenders
Where we place loan against property files
A selection from our panel. The best lender for you depends on your profile, city and the property or asset involved.
HDFC Bank
Private bankSalaried professionals seeking competitive personal, home and car loan pricing.
ICICI Bank
Private bankHome buyers in approved projects and businesses needing working capital lines.
Axis Bank
Private bankCorporate salaried borrowers and SMEs with strong banking.
Kotak Mahindra Bank
Private bankSalaried home buyers and self-employed borrowers with property.
Bank of Baroda
Public sector bankSalaried home and car buyers and MSMEs seeking bank pricing.
IDFC FIRST Bank
Private bankSalaried personal loan borrowers and small businesses.
By city
Loan Against Propertys in your city
Local property rules, employer categories and lender appetite change what gets approved. Read the city-specific notes.
- Loan Against Property in Mumbai
- Loan Against Property in Delhi
- Loan Against Property in Bengaluru
- Loan Against Property in Hyderabad
- Loan Against Property in Chennai
- Loan Against Property in Kolkata
- Loan Against Property in Pune
- Loan Against Property in Ahmedabad
- Loan Against Property in Gurugram
- Loan Against Property in Noida
- Loan Against Property in Jaipur
- Loan Against Property in Lucknow
- Loan Against Property in Chandigarh
- Loan Against Property in Indore
- Loan Against Property in Surat
- Loan Against Property in Kochi
FAQs
Loan Against Property questions, answered
How much loan can I get against my property?
Lenders fund 50% to 70% of the market value they assess, subject to your ability to service the EMI. A residential flat valued at ₹1.5 crore could support a loan of up to about ₹1 crore for an applicant with adequate income.
Can I take a loan against a rented commercial property?
Yes. Lease rental discounting (LRD) lends against the future rent from a registered lease with a good-quality tenant, often at a larger amount than a standard LAP because the rental income itself is counted.
What is the difference between LAP and a home loan?
A home loan funds the purchase or construction of a house and enjoys the lowest rates and tax deductions. A loan against property is taken on a property you already own, for any purpose, at a slightly higher rate and with a lower loan-to-value cap.
Can I get LAP with low or irregular income proof?
Several lenders run surrogate programmes that assess repayment capacity from bank statements, GST turnover or rental income rather than ITR alone. Rates are 1% to 2% higher than standard programmes. We will tell you where your file fits.
How long does a loan against property take?
Two to four weeks is typical, driven by legal verification of the title chain and technical valuation. A ready set of property documents shortens this considerably.
Are there prepayment charges on LAP?
For floating-rate loans to individuals, RBI directions prohibit prepayment charges. For loans to firms or companies, and for fixed-rate variants, lenders may charge 2% to 4%. We disclose this lender by lender.
Related products
Sometimes a different product is cheaper. We will say so.
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Working Capital Loan
Working capital facilities from ₹10 lakh to ₹5 crore, including overdraft, cash credit, dropline overdraft and invoice discounting, at rates from about 11% p.a., secured or unsecured.
- Rate from
- 11.00% p.a.
- Up to
- ₹5 Cr
Guides
Read before you apply
Loan DSA Commission: How Much Agents Really Earn
How DSA payouts are calculated, why percentages differ by product, what a realistic monthly income looks like, and the clawbacks and deductions to watch for.
How to Get a Personal Loan with a Low CIBIL Score (and When Not To)
Realistic options for scores below 700: which lenders consider you, what it costs, secured alternatives that are cheaper, and how to rebuild the score in six months.
Home Loan Balance Transfer: When It Saves Money and When It Does Not
The arithmetic of switching lenders: rate difference, remaining tenure, costs and the repricing alternative, with a worked example and a simple break-even rule.
Get your loan against property shortlist.
Share your requirement in two minutes. Our credit desk pre-screens your profile and calls with lenders, rates and next steps. No fee, no bureau enquiry.