Loan Types
Unlock the value of your property for business, education, or major goals—competitive rates and flexible tenure with lender partners.
Use your residential or commercial property as collateral to access larger ticket sizes at relatively lower rates than unsecured loans. LAP is widely used for business expansion, education, medical needs, or debt consolidation—subject to lender approval and LTV norms.
Loan amount, tenure, and rate depend on property valuation, legal title, income, and the financing institution's policy. We support valuation coordination, document collation, and status updates through sanction.
Typically up to a significant portion of market value—per lender LTV
Working capital and expansion backed by property
Major life goals where a secured facility fits
Often lower than unsecured personal loans
Legal and technical verification of the property is a key step. We help you understand timelines for search reports, valuation, and registration requirements so there are no surprises before disbursal.
Questions
Answers to common questions about Loan Against Property.
Residential, commercial, and industrial properties with clear title may qualify, subject to lender policy. The property must meet valuation and legal checks.
LTV varies by property type and lender—often up to a significant percentage of market value. The sanctioned amount is always decided by the financing institution.
Yes, LAP is commonly used for business expansion, working capital, and other needs permitted under the lender's end-use policy.
Tenures can extend to many years depending on age, income, and product—similar to long-term secured loans. Your EMI calculator illustrates monthly outgo for a chosen tenure.
Plan Your EMI
Same calculator as our home page—adjust amount, tenure, and rate for an illustrative monthly payment.
| Year | Principal (A) | Interest (B) | Total payment (A + B) | Balance | Loan paid to date |
|---|
Illustrative only—final terms depend on the lender and your profile.
