HDFC
HDFC Bank
Indicative rateProfile-based
TenureSubject to policy
FacilityTerm / OD*
Property-backed Finance
Unlock Funds from Your Property
Use an eligible residential, commercial or industrial property to explore secured funding for business or personal requirements.
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Residential, Commercial & IndustrialEligible property types subject to lender policy
%
Term Loan or OverdraftFlexible structures where available
✓
Balance Transfer & Top-upOptions for eligible existing borrowers
☎
Executive SupportSupport through legal and technical checks
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Longer Repayment Tenure*Subject to lender policy
₹
Flexible FundingBased on profile and property
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Salaried & Self-EmployedMultiple applicant profiles
✓
Expert AssistanceApplication to disbursal support
Explore Lenders
Compare Loan Against Property options
Final rate, tenure, facility and eligible amount depend on profile, property and current lender policy.
Important: Cards below are comparison starting points, not sanctioned offers. Current terms are confirmed only after profile and property assessment.
ICICI
ICICI Bank
Indicative rateProfile-based
TenureSubject to policy
FacilityTerm / OD*
AXIS
Axis Bank
Indicative rateProfile-based
TenureSubject to policy
FacilityTerm / OD*
SBI
State Bank of India
Indicative rateProfile-based
TenureSubject to policy
FacilityTerm / OD*
IDFC
IDFC FIRST Bank
Indicative rateProfile-based
TenureSubject to policy
FacilityTerm / OD*
L&T
L&T Finance
Indicative rateProfile-based
TenureSubject to policy
FacilityTerm / OD*
Understand the Product
What is a Loan Against Property?
A Loan Against Property is secured finance in which an eligible property is mortgaged to a lender while ownership normally remains with the borrower. The amount depends on repayment capacity, legal title, technical valuation and lender policy.
Use existing property value
Eligible residential, commercial or industrial property may support funding for business expansion, working capital, education, medical needs, debt consolidation and other permitted purposes.
Choose a suitable structure
Depending on the lender, funding may be offered as a term loan, overdraft, balance transfer with top-up, or lease rental discounting.
Choose by Requirement
Types of Loan Against Property
Residential Property LAP
Funding against an eligible self-occupied, rented or vacant residential property.
Commercial Property LAP
Finance against eligible office, shop or other acceptable commercial premises.
Industrial Property LAP
Property-backed funding against eligible industrial premises, subject to policy.
Term Loan
A sanctioned amount repaid through scheduled instalments over the agreed tenure.
Overdraft Facility
A reusable sanctioned limit offered by selected lenders, with charges based on usage and terms.
Balance Transfer + Top-up
Transfer an existing LAP and explore additional funding, subject to reassessment.
Lease Rental Discounting
Funding linked to eligible rental receivables from a leased property.
LAP for Professionals
Property-backed finance for eligible self-employed professionals and business owners.
Property Value Estimate
Indicative Property-based Loan Limit
This is a planning estimate only. A lender may consider a lower value or LTV after legal, technical and credit assessment.
Plan Your EMI
Advanced Loan Against Property EMI Calculator
Estimate monthly EMI and total repayment before discussing your application.
Before You Apply
Eligibility and Documents
Common eligibility factors
- Age at loan maturity
- Monthly income and repayment capacity
- Credit history and existing obligations
- Employment or business stability
- Property value and legal acceptability
- Co-applicant income, where considered
Commonly requested documents
- PAN, Aadhaar and address proof
- Salary slips/Form 16 or business financials
- Recent bank statements and ITR, where applicable
- Employment or business proof
- Property agreement, title and approved plan
- Existing loan statement for balance transfer
Know the Difference
Home Loan vs Loan Against Property
Home Loan
- Used mainly to purchase, construct or renovate a home
- The financed home is generally the security
- Pricing and tenure follow housing-finance policy
- End use is restricted to the approved housing purpose
Loan Against Property
- Uses an already-owned eligible property as security
- Can support multiple permitted business or personal purposes
- Amount is linked to income, valuation and acceptable LTV
- Legal and technical property checks are compulsory
Important secured-loan risk: The property is mortgaged to the lender. Repayment failure may lead to recovery action against the mortgaged property under applicable law and loan terms.
How It Works
From Enquiry to Disbursal
Share Details
Complete the short online enquiry.
Profile Review
We understand income and requirement.
Lender Selection
Suitable options are discussed with you.
Verification
Income, legal and technical checks are completed.
Disbursal
Funds are released after lender approval.
Questions
Loan Against Property FAQs
How much Loan Against Property can I get?
Eligibility depends on income, existing obligations, age, credit profile, assessed property value, legal acceptability and the selected lender's policy.
What is LTV in Loan Against Property?
LTV is the percentage of the lender-assessed property value considered for funding. It is not fixed and may vary by property type, location and lender policy.
Does this eligibility enquiry affect my CIBIL score?
The initial enquiry on this page does not itself trigger a lender hard enquiry. A lender credit check may occur later only as part of an application and applicable consent process.
Can a self-employed applicant apply?
Yes. Lenders may assess business vintage, ITR, financial statements, GST returns, bank statements and cash flow.
Can I continue using the mortgaged property?
Normally yes, subject to the loan agreement. The property remains mortgaged until the secured facility and applicable dues are closed.
Ready to unlock property value?
Share your requirement and our executive will help you understand suitable Loan Against Property options.