Loan Against Property
LAP lets you borrow up to ₹10 Cr against a residential, commercial, or industrial property you own. It combines low secured-loan rates with the flexibility of a personal loan - use the funds for business expansion, education, medical needs, or debt consolidation.
Talk to an AdvisorInterest Rate
9% - 13% p.a.
Max Amount
Up to ₹10 Cr
Tenure
5 - 15 Years
Speed
10 day sanction
15+ lenders • Partner banks & NBFCs
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Key features
High-ticket funding
Sanctions up to ₹10 Cr against premium residential or commercial property.
Lower rates than PL/BL
9-13% p.a. - significantly cheaper than unsecured personal or business loans.
End-use flexibility
Use the funds for business, education, medical needs, or debt consolidation.
Long tenure
Repay over up to 15 years to keep EMIs manageable on large borrowings.
Eligibility
- Age: 25 to 70 years at loan maturity
- Property in your name (or joint with immediate family) with clear title
- Minimum property value: ₹25 L
- Credit score: 700+ recommended
Documents required
- PAN, Aadhaar and property KYC
- Property title chain, latest tax paid receipt, approved plan
- Latest 3 years' ITR and computation
- 12 months' bank statement
- Existing loan statement (if any) on the property
Frequently asked questions
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