Loan Against Property
Unlock the value of your residential or commercial property.
At a glance
Why take your loan against property through us
Residential or commercial
Mortgage a house, flat, shop or office you own and keep using it.
Lower cost of funds
Secured borrowing usually comes cheaper than an unsecured loan of the same size.
Business or personal use
Expansion, debt consolidation, education or a family event.
Balance transfer & top-up
Move an existing LAP and draw additional funds against the same property.
Eligibility & documents
A quick check before you apply. Your advisor confirms the exact list for your lender.
Who can apply
- Property owned by you (or co-owned)
- Clear, marketable title
- Proof of income (salary or ITR)
- Satisfactory credit history
Documents you'll need
- PAN Card
- Aadhaar Card
- Photo
- Bank Statement (6 months)
- Address Proof
- Salary Slips (3 months)
- Form 16
- Property Papers
- PAN Card
- Aadhaar Card
- Photo
- Bank Statement (6 months)
- Address Proof
- ITR (2 years)
- Business Proof
- Property Papers
* Indicative. Criteria differ between lenders; the lender decides.
Estimate your EMI
Adjust the amount, rate and tenure to see what fits your monthly budget.
For illustration only. The actual EMI depends on the rate, fees and tenure the lender offers you.
Year-by-year repayment schedule
| Year | Principal paid | Interest paid | Balance |
|---|
Loan Against Property — questions
How much can I get?
Can I keep living in the property?
Apply for a loan against property
Leave your details and a loan advisor will call you back to understand your need, check eligibility and suggest the right lenders.