Loan Against Property at Lowest Interest Rates
Get high-value loans at low interest by pledging your property. Rates starting at 8.65% p.a. with up to 70% of property value.
Why Choose InstaEMI?
Loan Against Property Interest Rates
Compare the latest LAP interest rates from top banks and NBFCs
| Bank / NBFC | Interest Rate (p.a.) | Processing Fee | Tenure | LTV Ratio | Action |
|---|---|---|---|---|---|
| SBI | 8.65% - 10.90% | 0.50% | Up to 15 years | 70% | Apply |
| HDFC Ltd | 9.50% - 12.00% | Up to 1.50% | Up to 18 years | 65% | Apply |
| ICICI Bank | 9.00% - 14.00% | Up to 1.00% | Up to 15 years | 70% | Apply |
| Axis Bank | 9.90% - 15.95% | Up to 1.00% | Up to 20 years | 60% | Apply |
| Bajaj Finserv | 9.50% - 15.00% | Up to 3.00% | Up to 18 years | 70% | Apply |
| Tata Capital | 10.10% - 14.00% | Up to 2.00% | Up to 15 years | 65% | Apply |
| PNB Housing | 9.50% - 14.50% | Up to 1.00% | Up to 15 years | 70% | Apply |
| IIFL Finance | 10.00% - 16.00% | Up to 2.00% | Up to 15 years | 70% | Apply |
LAP Eligibility Criteria
Meet these requirements to qualify for Loan Against Property
Documents Required for LAP
Keep these documents ready for faster loan processing
Identity Proof
Aadhaar Card, PAN Card, Passport
Address Proof
Utility Bills, Rent Agreement, Aadhaar
Income Proof
6 months salary slips, Form 16, Bank statement
Property Documents
Title deed, Sale deed, Property tax receipts
Property Valuation
Current market valuation report
How to Apply for LAP
Unlock your property's value in 4 simple steps
Check Eligibility
Enter your income, property details, and loan requirement to check eligibility.
Compare Offers
Compare LAP offers from 15+ banks based on interest rate and LTV ratio.
Property Valuation
Bank conducts property valuation and legal verification of documents.
Get Disbursement
After approval and property mortgage, loan is disbursed to your account.
LAP Offers From Top Lenders
Compare and choose the best Loan Against Property offer
HDFC Loan Against Property
HDFC Ltd
9.5% - 14%
Loan Amount
₹10 Lakh - ₹5.0 Cr
Tenure
36 - 180 mo
Processing Fee: 0.5% - 1%
SBI Loan Against Property
State Bank of India
9.15% - 11.5%
Loan Amount
₹10 Lakh - ₹7.5 Cr
Tenure
60 - 180 mo
Processing Fee: 0.5% - 1%
Bajaj Finserv Property Loan
Bajaj Finserv
10% - 16%
Loan Amount
₹5 Lakh - ₹3.5 Cr
Tenure
24 - 180 mo
Processing Fee: 1% - 2%
Frequently Asked Questions
Get answers to common questions about Loan Against Property
Loan Against Property is a secured loan where you pledge your residential, commercial, or industrial property as collateral to borrow money. You continue to own and use the property while it's mortgaged to the bank. LAP offers lower interest rates than personal loans since it's secured, with higher loan amounts and longer tenures.
Ready to Unlock Your Property's Value?
Compare LAP offers from 15+ lenders and get high-value loans at the best rates.