Unlock the Value of
Your Property
Get high-value funding by mortgaging your residential or commercial property. Enjoy lower interest rates, longer tenures, and flexible end-use options with TatvaMoney.
A Loan Against Property (LAP) helps you leverage your property to meet large financial needs such as business expansion, debt consolidation, education, or medical expenses-without selling your asset.
LAP Eligibility
Get instant quotes from top lenders at 9.5% p.a.
Limit Exceeded: Your max eligible EMI is roughly ₹27,500. Try increasing tenure or lowering loan amount.
2 Lakh+
Customers Served
₹5000 Cr+
Loans Disbursed
50+
Lending Partners
100+
Cities Covered
Why Choose a Loan Against Property?
Lower Interest Rates
Compared to unsecured loans, LAP offers significantly lower rates.
Higher Loan Amount
Borrow large sums based on property value and eligibility.
Longer Repayment Tenure
Extended tenures reduce monthly EMI burden.
Flexible End Use
Use funds for business, education, medical, or consolidation.
Explore Loan Against Property Use Cases
Business Expansion
Check EligibilityWorking Capital
Check EligibilityDebt Consolidation
Check EligibilityEducation Funding
Check EligibilityMedical Expenses
Check EligibilityProperty Purchase / Renovation
Check EligibilityMachinery & Equipment Purchase
Check EligibilityLoan Against Property EMI Calculator
Calculate your EMI based on loan amount, interest rate, and tenure to plan your finances before applying.
Loan Against Property EMI CalculatorInstant Estimate
Transparent Loan Against Property Interest Rates
Interest rates for LAP start from 8.45% p.a. and vary based on property valuation, credit score, income profile, and lender policies.
Final interest rate is determined after property valuation and credit assessment.
Current Starting Rate
8.45%
*Rates vary by borrower profile & property valuation.
Compare Loan Against Property Offers
| Lender | Interest Rate (p.a.) | Max Amount | Max Tenure | Action |
|---|---|---|---|---|
State Bank of India Public Sector Bank | 10.10% - 11.65% | Up to ₹7.5 Cr | 15 Years | Apply |
Bank of Baroda Public Sector Bank | 9.65% - 10.50% | Up to ₹25 Cr | 15 Years | Apply |
Punjab National Bank Public Sector Bank | 9.75% - 12.00% | Up to ₹5 Cr | 10 Years | Apply |
HDFC Bank Private Bank | 9.50% - 11.00% | Based on Property | 15 Years | Apply |
ICICI Bank Private Bank | 9.75% - 10.90% | Up to ₹5 Cr | 15 Years | Apply |
Axis Bank Private Bank | 9.25% - 10.35% | Up to ₹5 Cr | 20 Years | Apply |
Kotak Mahindra Bank Private Bank | 9.50% - 11.50% | Up to ₹5 Cr | 15 Years | Apply |
Bajaj Housing Finance NBFC | 8.45% - 10.25% | Based on Property | 20 Years | Apply |
PNB Housing Finance NBFC | 9.25% - 13.00% | Up to ₹15 Cr | 20 Years | Apply |
Tata Capital NBFC | 10.10% - 14.00% | Based on Property | 20 Years | Apply |
Apply for Loan Against Property in Top Cities
Get LAP offers across major cities with dedicated local support and faster processing.
Delhi
Mumbai
Pune
Bangalore
Chennai
Hyderabad
LAP Fees & Charges
Processing Fee
of loan amount
Legal & Valuation
As per lender & third-party assessment
Prepayment
May apply depending on lender & tenure
Stamp Duty
As per applicable state laws
LAP Eligibility Criteria
Check if you meet the basic requirements to get your loan approved.
| Eligibility Parameter | LAP Requirement |
|---|---|
| Minimum Age | 21 years |
| Maximum Age (at loan maturity) | 70 years |
| Employment Type | Salaried / Self-Employed / Business Owner |
| Income Requirement | Stable and sufficient repayment capacity |
| Credit Score (CIBIL) | 650+ preferred |
| Property Type | Residential / Commercial |
| Property Ownership | Clear and marketable title |
| Loan-to-Value (LTV) | Up to 60-70% of property value |
| Banking History | Stable account operations |
| Loan Amount Eligibility | Based on property value & income |
| Loan Tenure | Up to 15-20 years |
| Collateral Requirement | Property to be mortgaged |
| Nationality | Indian Resident |
Documents Required for LAP
To apply for a Loan Against Property, applicants are required to submit documents related to identity, address, income, and property details.
Common Documents
Mandatory for All Applicants
Identity Proof
- PAN Card
- Aadhaar Card
- Passport
Address Proof
- Aadhaar Card
- Utility Bill
- Rent Agreement
Photographs
- Passport-size photographs
Signature Proof
- Bank Verification
- Signature on App Form
Financial Documents
- Salary slips (last 3 months)
- Bank statements (last 6 months)
- ITR (last 2-3 years)
Property Documents
- Title Deed / Sale Deed
- Property Tax Receipts
- Approved Building Plan
- Occupancy Certificate
Important Notes
Seamless Application Process for Loan Against Property
Unlock the value of your residential or commercial property through a simple, secure, and transparent process.
Apply Online
Submit basic personal, income, and property details online.
Upload Documents
Upload income proof and property-related documents securely.
Property Valuation
Property is evaluated by an authorised valuation expert.
Lender Approval
Loan is approved and sanction letter is issued.
Disbursal
Lender disburses funds directly to your bank account.
Why Our Loan Against Property Process Is Seamless
What Our Customers Say
Raghav Menon
Kochi
"TatvaMoney helped me unlock funds using my property at a much lower EMI."
Savita Rana
Rohtak
"Transparent process and great guidance through property valuation."
Imran Qureshi
Nagpur
"Perfect solution for consolidating my high-interest loans."
Frequently Asked Questions
Turn Your Property into Financial Power
Leverage your property value today and get the funds you need with flexible repayment options.