Leverage your property to access high-value loans for business or personal needs. Understand LAP eligibility requirements.
Check out our latest loan products with competitive rates and flexible terms
HDFC Bank
Interest Rate
10.5% p.a.
Max Amount
₹40 Lakhs
Processing Fee
1% + GST
Tenure
Up to 5 years
SBI
Interest Rate
8.5% p.a.
Max Amount
₹2 Crores
Processing Fee
0.35% + GST
Tenure
Up to 30 years
ICICI Bank
Interest Rate
12% p.a.
Max Amount
₹75 Lakhs
Processing Fee
2% + GST
Tenure
Up to 7 years
Kotak Mahindra
Interest Rate
8.75% p.a.
Max Amount
₹25 Lakhs
Processing Fee
1.5% + GST
Tenure
Up to 7 years
Get up to ₹5 crores based on property value - much higher than unsecured loans.
Enjoy competitive rates starting from 8.5% p.a. due to property collateral.
Repay comfortably over 15-20 years with flexible EMI options.
Criteria depend heavily on property value and usage:
Property Ownership: Applicant must be owner or co-owner of the property with clear title
Property Type: Residential, commercial, or industrial properties with marketable value
Market Value: Loan amount typically 60-70% of property's current market value
Income: Regular income source to service EMI (salary, business income, rental income)
Age: 21 to 65 years (up to 70 for self-employed professionals)
Credit Score: 700+ required; 750+ gets best rates
Meeting these criteria improves your chances of quick approval and better loan terms
PAN, Aadhaar, Passport of all applicants
Salary slips, ITR, bank statements for last 12 months
Title deed, sale agreement, property tax receipts
Recent valuation report from approved valuer
Utility bills, rental agreement
Passport-size photos of applicants
Keep all documents ready in digital format (scanned copies) to speed up the application process. Most lenders now accept online document uploads for faster processing.
Ensure property has clear, marketable title with all approvals and NOCs in place.
Get property valued by lender-approved valuers to determine accurate loan eligibility.
Include rental income, business income, alongside salary to improve repayment capacity.
Apply jointly with co-owner to combine incomes and increase loan eligibility.
Following these tips can significantly improve your approval chances and help you secure better interest rates
Get high-value loan against your property today