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LAP (Loan Against Property)

A loan against property(LAP) is a secured loan that is sanctioned against the asset pledged as collateral. This asset can either be an owned land, a house, or any other commercial premises. The asset remains as collateral with the lender until the entire loan against property amount is repaid.

5 Unique Products

Loan up to 5 Cr

Tenure 240 months

Nil pre-payment charges

Minimum Documentations

No Extra charges

LAP from banks

HDFC Bank Apply Now
Interest Rate
9.50% - 11.00%		 Loan Amount
5 L to 5 Cr		 EMI Per Lakh
2087		 Processing Fees
1.50%		 Part payment Charges
2%		 Pre-Payment Charges
2%
ICICI Bank Apply Now
Interest Rate
11.35% - 12.00%		 Loan Amount
5 L to 5 Cr		 EMI Per Lakh
2198		 Processing Fees
0.50% - 2.00%		 Part payment Charges
0		 Pre-Payment Charges
4%
IDFC First Bank Apply Now
Interest Rate
9.00% - 20.00%		 Loan Amount
5 L to 5 Cr		 EMI Per Lakh
2158		 Processing Fees
0.50% - 3.00%		 Part payment Charges
4%		 Pre-Payment Charges
2%
Indusind Bank Apply Now
Interest Rate
8.90%-14%		 Loan Amount
5 L to 5 Cr		 EMI Per Lakh
2099		 Processing Fees
0.50% - 2.00%		 Part payment Charges
4%		 Pre-Payment Charges
0
Kotak Mahindra Apply Now
Interest Rate
9.15% - 10.50%		 Loan Amount
5 L to 5 Cr		 EMI Per Lakh
2105		 Processing Fees
1%		 Part payment Charges
0		 Pre-Payment Charges
2%
Tata Capital Loan Against Property Apply Now
Interest Rate
10.10% - 15%		 Loan Amount
5 L to 5 Cr		 EMI Per Lakh
2201		 Processing Fees
0.50% - 5.00%		 Part payment Charges
2.5%		 Pre-Payment Charges
4.5%
Bajaj Finserv Apply Now
Interest Rate
9.85% - 18%		 Loan Amount
5 L to 5 Cr		 EMI Per Lakh
2117		 Processing Fees
0.50% - 3.40%		 Part payment Charges
0		 Pre-Payment Charges
4.75%
Aditya Birla Capital Apply Now
Interest Rate
9.50% - 16.50%		 Loan Amount
5 L to 5 Cr		 EMI Per Lakh
2066		 Processing Fees
0.50% - 4.40%		 Part payment Charges
4%		 Pre-Payment Charges
2%

Criteria eligibility documents

Loan Against Property Eligibility
  • Age: Minimum 21 years and maximum 65 years.
  • Profession: Both self-employed individuals and salaried persons with a regular source of income are eligible for a Loan Against Property.
  • Joint applications: Co-applicants are permissible. Lenders can accept the income of the co-applicants for arriving at the eligibility.
  • Margin: The margin requirement for Loan Against Property can be 10% to 50% of the market value of the property.
  • Current obligations: The take-home pay norms come into effect. Usually, one should have a take-home pay of 50% after accounting for all the EMIs including the proposed one for the Loan against Property. Hence, it is imperative for the borrowers to declare their current obligations.
  • Credit history: The lending banks are members of CIBIL (Credit Information Bureau (India) Limited). They can pull out the records from CIBIL to determine your credit score. Usually, a credit score in the range of 600 and above is acceptable.
Documents

KYC Documents:

  • PAN Card
  • Aadhar Card
  • Driving Licence
  • Voter ID
  • Passport
  • Registered Rent Agreement
Rate of interest

Current Interest Rates on Loan Against Property is 7.90%

A Loan Against Property is a type of mortgage loan offered to individuals, firms, and companies using their existing property as collateral.

You can tap into the value of your real estate holdings through a Loan Against Property. By using your property as security, you can borrow money and repay it over time through regular EMIs while still retaining ownership of your property.

What can a Loan Against Property be used for?

A Loan Against Property can be used for various purposes such as working capital, business expansion, consolidating debts, purchasing machinery, meeting other business needs, and more.

Take Loan against Property (LAP)

Meet your financial needs by securing a loan against your property with the bank. This option is available for both salaried and self-employed individuals.

  • Low EMIs make repayments manageable.
  • Immediate availability of funds when you need them.
  • Fast and straightforward loan processing for your convenience.
  • Quick approvals ensure you get the funds you need promptly.
  • Flexible repayment tenure that suits your financial situation.
  • Simple and hassle-free documentation process.
  • Easily transfer your outstanding loan balance for better terms.

Dailyfinserv RECENT OFFERS

Personal Loan

  • No Collateral Required
  • Minimum Documentation
  • No Hidden Charges

Click Here For Quick Enquiry.

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Int Rates : 10.5% - 22%
Loan Amount: ₹ 1,00,000.00

Maximum Tenure - 7 Years
Lowest EMI : ₹ 1,686

Get quick processing & speedy disbursal

Business Loan

  • No Collateral Required
  • Minimum Documentation
  • No Hidden Charges

Click Here For Quick Enquiry.

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Interest Rate 13.99% - 24.99%
Loan Amount: ₹ 1,00,000.00

Maximum Tenure – 5 Years
Lowest EMI : ₹ 2,326

Get quick processing & speedy disbursal

Loan against Property

  • Minimum Documentation
  • Flexi Loan Tenure
  • No Hidden Charges

Click Here For Quick Enquiry.

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Interest Rate 9% - 13%
Loan Amount: ₹ 1,00,000.00

Maximum Tenure – 20 Years
Lowest EMI : ₹ 1,014

Get quick processing & speedy disbursal

Home Loan

  • Minimum Documentation
  • Flexi Loan Tenure
  • No Hidden Charges

Click Here For Quick Enquiry.

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Interest Rate 8.40% - 12%
Loan Amount : ₹ 1,00,000.00

Maximum Tenure – 35 Years
Lowest EMI – ₹ 739

Get quick processing & speedy disbursal

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