Loan Against Property

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● LAP Expert

🏛️ Hi! Looking to unlock the value of your property? Ask me how much loan you can get, which lender offers the best LTV, or what LAP is best used for.

🏛️ Loan Against Property — Unlock Your Asset's Value

Use your residential, commercial, or industrial property to get high-value loans at competitive rates. Up to ₹10 Crore, 25-year tenure, with flexible end-use.

8.75%Starting Rate

₹10 CrMax Loan

85%Max LTV

Use for any purpose — business or personal

Property stays with you during tenure

Lower rates than personal / business loans

Compare LAP Rates — 2026

🔍 Filter Results

Lender	Interest Rate	Max Loan	LTV	Max Tenure
Aditya Birla Finance Lowest Rate	8.75% p.a.	₹5 Cr	65%	20 Years
Bajaj Finance NBFC	8.99% p.a.	₹5 Cr	70%	18 Years
Indian Bank	9.00% p.a.	₹5 Cr	65%	15 Years
Tata Capital	9.00% p.a.	₹5 Cr	70%	15 Years
HDFC Bank Fast Approval	9.05% p.a.	₹5 Cr	65%	15 Years
SBI	9.20% p.a.	₹5 Cr	70%	15 Years
IDFC First Bank Highest LTV	10.75% p.a.	₹5 Cr	85%	25 Years
Godrej Finance Highest Amount	10.99% p.a.	₹10 Cr	70%	25 Years

* LTV (Loan-to-Value): % of property's market value you can borrow. Residential, commercial, and industrial properties accepted. Rates subject to property valuation.

About Loan Against Property

Common Uses of LAP

Business expansion or working capital
Debt consolidation (replace high-interest loans)
Wedding or major life expenses
Medical emergencies
Education fees (especially abroad)
Any non-speculative purpose

Eligibility

Age	18 – 70 years
Min. Salary (Salaried)	₹12,000/month
Min. Income (Self-Employed)	₹1.5 Lakh/year
Credit Score	700+
Property Types	Residential, Commercial, Industrial

LAP vs Personal Loan vs Business Loan

Feature	LAP
Interest Rate	8.75–11% (lowest)
Max Amount	Up to ₹10 Crore
Tenure	Up to 25 years
Collateral	Property (mortgaged)
End-Use	Any non-speculative

LAP gives you the highest loan amount at the lowest rates because the bank has security. Your property ownership is not transferred — you continue to stay/use it.

Frequently Asked Questions

No! You don't lose ownership. The bank creates a mortgage (charge) on the property as security, but you remain the owner and can continue to live in or use the property. Ownership is only at risk if you default on repayment.

The loan amount = LTV% × Market Value of Property. Most lenders offer 65–75% LTV for residential, 50–60% for commercial. IDFC First offers the highest LTV of 85%. A professional property valuation is done by the lender's empanelled valuator.

Rented properties are accepted — rental income can also help your eligibility. Inherited properties are accepted with clear title deeds. For jointly owned properties, all co-owners must be co-applicants.

Yes, in some cases — this is called a "top-up loan" or secondary mortgage. Lenders check the outstanding home loan balance and current property value to calculate available equity. Our experts can evaluate your specific situation.

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