What you can mortgage
Clear, marketable title matters more than the type of asset.
- Self-occupied or rented flat, row house or bungalow
- Shop, office or commercial unit
- Industrial premises and, with select lenders, land
Loan against property (LAP)
A loan against property lets you raise a large amount against real estate you already own, while you continue to use or rent it out. Tenures stretch to 15 years, so the EMI stays manageable.
- Funding
- Up to 70% of value
- Tenure
- Up to 15 years
- Property
- Residential or commercial
Why a mortgage loan beats an unsecured one
Because the loan is secured, pricing is dramatically lower than a personal or business loan and the tenure is far longer — which is what actually makes a large amount repayable. An overdraft variant is available if you want to pay interest only on what you use.
Loan Against Property — frequently asked questions
EMI calculator
Know your monthly EMI before you apply
Move the sliders to see how loan amount, interest rate and tenure change your EMI.
₹50.0 L
₹5 L₹5 Cr
8.50% p.a.
7%16%
20 years
1 yr30 yrs
Monthly EMI
₹43,391
48% principal · 52% interest over the full term
- Principal
- ₹50,00,000
- Total interest
- ₹54,13,879
- Total payable
- ₹1,04,13,879
How it works
Four steps from enquiry to keys
- 01
Share your requirement
Call, WhatsApp or fill the form. We understand your income, property and budget.
- 02
Document check
We collect and verify your papers, then fix any gaps before the file goes out.
- 03
Best bank match
We place your file with the lenders offering you the best rate and highest eligibility.
- 04
Sanction & disbursal
Legal, valuation and registration follow-ups handled till the money reaches the seller.
Home Loan in your City
Look through the home loan options available in your city — we serve 49 cities across India.