Loan against property interest rate

LAP is priced above a home loan and far below anything unsecured. Where you land in that band depends on the property, the end use and your income proof.

Indicative range
9%–13% p.a.*
Tenure
Up to 15 years
Options
Term loan or overdraft

Get a free loan quote

Share a few details and we will call you back the same working day.

Or call +91 98927 44744 · Mon – Sat, 10:00 am – 7:00 pm

What decides your rate

Each of these shifts pricing measurably.

  • Residential property prices better than commercial or industrial
  • Self-occupied better than vacant; rented commercial helps if the lease is registered
  • Lower loan-to-value earns a lower rate
  • Documented income beats assessed income
  • Banks are cheaper; NBFCs are more flexible on property and profile

Look past the rate

Compare processing fee, valuation and legal charges, stamp duty on the mortgage, prepayment terms and how the lender resets floating rates. A slightly higher rate with free part-prepayment can cost less over ten years.

LAP Interest Rate — 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
Send this to us on WhatsApp
How it works

Four steps from enquiry to keys

  1. 01

    Share your requirement

    Call, WhatsApp or fill the form. We understand your income, property and budget.

  2. 02

    Document check

    We collect and verify your papers, then fix any gaps before the file goes out.

  3. 03

    Best bank match

    We place your file with the lenders offering you the best rate and highest eligibility.

  4. 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.

Call nowWhatsApp