- Home
- Loan Against Property
Unlock Best Loan Against Property Offers
From 10+ Lenders
- Private Bank
- Nationalized Bank
- NBFC
Top Private Banks For Loan Against Property - July 2024
Interest Rate
12.6%
Loan Amount
₹50L - ₹3Cr
EMI Per Lakh
₹2,255
Processing Fees
Pre-Payment Charges
Interest Rate
10.85% - 12.5%
Loan Amount
₹10L - ₹5Cr
EMI Per Lakh
₹2,167 - ₹2,250
Processing Fees
Pre-Payment Charges
Interest Rate
10.5% - 10.95%
Loan Amount
₹5L - ₹5Cr
EMI Per Lakh
₹2,149 - ₹2,172
Processing Fees
Pre-Payment Charges
- Upto 25% of the principal outstanding repaid in the quarter – NIL Charges
- More than 25% of principal outstanding repaid in a quarter.
- 3% charges on excess amount repaid.
- For non-individuals: 3% part prepayment charge on outstanding principal.
- For individuals with end use as business: 3% on outstanding principal.
- For individuals with end use other than business: NIL.
- For non-individuals: 3% foreclosure charge on outstanding principal is applicable.
- For individuals with end use as business: 3% foreclosure charge on outstanding principal.
- For individuals with end use other than business: NIL
Interest Rate
10.5%
Loan Amount
₹3L - ₹5Cr
EMI Per Lakh
₹2,149
Processing Fees
Pre-Payment Charges
Interest Rate
10.49% - 26%
Loan Amount
₹30K - ₹50L
EMI Per Lakh
₹2,149 - ₹2,994
Processing Fees
Pre-Payment Charges
Interest Rate
10.45% - 11.7%
Loan Amount
Up to ₹10Cr
EMI Per Lakh
₹2,147 - ₹2,209
Processing Fees
Pre-Payment Charges
--Interest Rate
10.25%
Loan Amount
₹10L - ₹1.5Cr
EMI Per Lakh
₹2,137
Processing Fees
Pre-Payment Charges
- NIL , for individual borrowers for purposes other than business.
Interest Rate
9.75%
Loan Amount
₹3L - ₹30Cr
EMI Per Lakh
₹2,112
Processing Fees
Pre-Payment Charges
- Up to 25% of the loan amount sanctioned in every financial year.
Interest Rate
9.5% - 11%
Loan Amount
₹49L - ₹5Cr
EMI Per Lakh
₹2,100 - ₹2,174
Processing Fees
Pre-Payment Charges
- NIL, if the prepaid amount does not exceed 25% of the principal amount
- 2.5%, if the prepaid amount exceeds 25% of the principal amount.
Interest Rate
9.5% - 12.25%
Loan Amount
₹8L - ₹1.5Cr
EMI Per Lakh
₹2,100 - ₹2,237
Processing Fees
Pre-Payment Charges
Interest Rate
9.5%
Loan Amount
₹3L - ₹10Cr
EMI Per Lakh
₹2,100
Processing Fees
Pre-Payment Charges
- 5% on principal amount, if paid within 12 months.
Interest Rate
9.15%
Loan Amount
₹10L
EMI Per Lakh
₹2,083
Processing Fees
Pre-Payment Charges
Quick Approval
Interest Rate
9.13%
Loan Amount
₹5L - ₹5Cr
EMI Per Lakh
₹2,082
Processing Fees
Pre-Payment Charges
Interest Rate
9% - 20%
Loan Amount
₹10L - ₹7Cr
EMI Per Lakh
₹2,076 - ₹2,649
Processing Fees
Pre-Payment Charges
Interest Rate
8.5% - 20.6%
Loan Amount
₹2L - ₹10Cr
EMI Per Lakh
₹2,052 - ₹2,683
Processing Fees
Pre-Payment Charges
--Interest Rate
8.25% - 11.2%
Loan Amount
-
EMI Per Lakh
₹2,040 - ₹2,184
Processing Fees
Pre-Payment Charges
- NIL, if the prepaid amount does not exceed 25% of the principal amount
Interest Rate
Up to 17%
Loan Amount
₹10L - ₹5Cr
EMI Per Lakh
₹2,485
Processing Fees
Pre-Payment Charges
--Interest Rate
Up to 18.25%
Loan Amount
₹3L - ₹25L
EMI Per Lakh
₹2,553
Processing Fees
Pre-Payment Charges
- Prepayment charge is not applicable to Individual applicant with individual co-applicant.
Top Private Banks For Loan Against Property - July 2024
Interest Rate
11.05% - 14.05%
Loan Amount
₹1L - ₹20L
EMI Per Lakh
₹2,177 - ₹2,329
Processing Fees
Pre-Payment Charges
Interest Rate
10.85% - 16.5%
Loan Amount
₹2L - ₹25Cr
EMI Per Lakh
₹2,167 - ₹2,458
Processing Fees
Pre-Payment Charges
--Interest Rate
10.5% - 13.15%
Loan Amount
₹25L - ₹75L
EMI Per Lakh
₹2,149 - ₹2,283
Processing Fees
Pre-Payment Charges
--Interest Rate
10.4% - 12.75%
Loan Amount
₹2L - ₹5Cr
EMI Per Lakh
₹2,144 - ₹2,263
Processing Fees
Pre-Payment Charges
- For loan upto Rs 50 lakh – Rs 2500/-
Interest Rate
10.3% - 12.8%
Loan Amount
Up to ₹10Cr
EMI Per Lakh
₹2,139 - ₹2,265
Processing Fees
Pre-Payment Charges
Top Private Banks For Loan Against Property - July 2024
Interest Rate
10.1%
Loan Amount
₹10L - ₹3Cr
EMI Per Lakh
₹2,130
Processing Fees
Pre-Payment Charges
- Lock-in period - 12 months
Interest Rate
24%
Loan Amount
₹50K - ₹12Cr
EMI Per Lakh
₹2,877
Processing Fees
Pre-Payment Charges
- Within 6 months from the Agreement Date - 5%.
Interest Rate
17.5% - 23.5%
Loan Amount
Up to ₹50L
EMI Per Lakh
₹2,512 - ₹2,848
Processing Fees
Pre-Payment Charges
--Interest Rate
14.99% - 24.99%
Loan Amount
Up to ₹2Cr
EMI Per Lakh
₹2,378 - ₹2,935
Processing Fees
Pre-Payment Charges
--Interest Rate
14.5% - 16.5%
Loan Amount
₹2L - ₹35L
EMI Per Lakh
₹2,353 - ₹2,458
Processing Fees
Pre-Payment Charges
Interest Rate
13.75% - 15.75%
Loan Amount
₹3L - ₹10L
EMI Per Lakh
₹2,314 - ₹2,419
Processing Fees
Pre-Payment Charges
--Interest Rate
12.8% - 18.5%
Loan Amount
₹1L - ₹25L
EMI Per Lakh
₹2,265 - ₹2,567
Processing Fees
Pre-Payment Charges
--Interest Rate
11.75% - 17%
Loan Amount
₹25L - ₹1Cr
EMI Per Lakh
₹2,212 - ₹2,485
Processing Fees
Pre-Payment Charges
--Interest Rate
11.5%
Loan Amount
Up to ₹5Cr
EMI Per Lakh
₹2,199
Processing Fees
Pre-Payment Charges
- 2% of the principal amount of Loan being prepaid + applicable taxes.
Interest Rate
11.5%
Loan Amount
Up to ₹10Cr
EMI Per Lakh
₹2,199
Processing Fees
Pre-Payment Charges
Interest Rate
11% - 24%
Loan Amount
₹75K - ₹15L
EMI Per Lakh
₹2,174 - ₹2,877
Processing Fees
Pre-Payment Charges
- Upto 4%+GST.
Interest Rate
10.65%
Loan Amount
₹1L - ₹2Cr
EMI Per Lakh
₹2,157
Processing Fees
Pre-Payment Charges
- 5% of prepaid amount plus taxes (within 12 months of 1st disbursement).
Interest Rate
10% - 16.5%
Loan Amount
Up to ₹75Cr
EMI Per Lakh
₹2,125 - ₹2,458
Processing Fees
Pre-Payment Charges
Interest Rate
10% - 20%
Loan Amount
₹10L - ₹5Cr
EMI Per Lakh
₹2,125 - ₹2,649
Processing Fees
Pre-Payment Charges
- Up to 4% plus GST.
Interest Rate
10% - 15%
Loan Amount
-
EMI Per Lakh
₹2,125 - ₹2,379
Processing Fees
Pre-Payment Charges
--Interest Rate
9.98% - 18.2%
Loan Amount
₹1L - ₹2Cr
EMI Per Lakh
₹2,124 - ₹2,550
Processing Fees
Pre-Payment Charges
- Nil with variable interest rates after 12 months.
Interest Rate
9.85%
Loan Amount
₹10L - ₹3Cr
EMI Per Lakh
₹2,117
Processing Fees
Pre-Payment Charges
- Lock-in period -12 months
Interest Rate
9.85% - 18%
Loan Amount
Up to ₹5Cr
EMI Per Lakh
₹2,117 - ₹2,539
Processing Fees
Pre-Payment Charges
Interest Rate
9.75%
Loan Amount
₹30L - ₹5Cr
EMI Per Lakh
₹2,112
Processing Fees
Pre-Payment Charges
- For prepayments up to 25% of principal outstanding.
Interest Rate
9.75%
Loan Amount
₹5L - ₹2Cr
EMI Per Lakh
₹2,112
Processing Fees
Pre-Payment Charges
Interest Rate
9.7%
Loan Amount
₹10L - ₹10Cr
EMI Per Lakh
₹2,110
Processing Fees
Pre-Payment Charges
Interest Rate
9.6%
Loan Amount
Up to ₹20Cr
EMI Per Lakh
₹2,105
Processing Fees
Pre-Payment Charges
Interest Rate
9.25% - 16.72%
Loan Amount
₹2L - ₹5Cr
EMI Per Lakh
₹2,088 - ₹2,470
Processing Fees
Pre-Payment Charges
- NIL – In case property is in the name of Individual & loan.
Interest Rate
9%
Loan Amount
₹2L - ₹5Cr
EMI Per Lakh
₹2,076
Processing Fees
Pre-Payment Charges
Interest Rate
8.75% - 20%
Loan Amount
₹15L - ₹1Cr
EMI Per Lakh
₹2,064 - ₹2,649
Processing Fees
Pre-Payment Charges
Interest Rate
8% - 18%
Loan Amount
₹10L
EMI Per Lakh
₹2,028 - ₹2,539
Processing Fees
Pre-Payment Charges
--Interest Rate
7.99% - 16.75%
Loan Amount
₹10L - ₹50L
EMI Per Lakh
₹2,027 - ₹2,472
Processing Fees
Pre-Payment Charges
--Interest Rate
Up to 9.5%
Loan Amount
₹1L - ₹50L
EMI Per Lakh
₹2,100
Processing Fees
Pre-Payment Charges
--Interest Rate
Up to 11%
Loan Amount
₹1L - ₹10Cr
EMI Per Lakh
₹2,174
Processing Fees
Pre-Payment Charges
--Compare Loan Against Property
At Urban Money, we understand your urgent need for finances. Tailoring the best loan against property options from premium banking and non-banking institutions, we ensure fast LAP approval with minimal documentation. Offering a robust response to your immediate needs of consolidating debts or paying extensive medical bills, we even help you avail a loan against property without income proof and ensure competitive LAP interest rates between 8%-25% p.a. Guiding you to the right financial path, we at Urban Money furnish flexible repayment options via a comprehensive and comparative EMI analysis.
Loan Against Property: Features and Benefits
Following are the key features and benefits of a loan against property:
- A loan of up to 70% of the property's market value is offered.
- Flexible repayment terms make the loan against property rates competitive.
- Facilitates easy repayments through small monthly instalments.
- Quick processing, usually 3 to 4 days with minimal documentation.
- The applicant's age must be between 21 years to 65 years old.
- Flexible repayment tenure up to 20 years.
- Is available on plots, residential property and commercial property.
- Lower interest rates, starting from 11 percent.
- A loan amount of INR 5 lacs to INR 7.5 crores can be offered based on the property's market value.
- No additional collateral is required.
- Availability of balance transfer on the existing loan.
- Minimal prepayment penalties may vary from one bank to another.
Loan Against Property Overview
A Loan Against Property (LAP) empowers you to use the funds tied with the property to satisfy any expenses you may have. While the LAP amount offered on the property is determined by its valuation, you have complete discretion over how you spend the funds. Your property serves as collateral for the loan, but you can use it as usual.
In short, LAP is a secured loan provided by banks and financial institutions in exchange for a property pledged as security. The pledged asset can be the applicant's land, house or commercial property. The property stays as collateral with the credit provider unless the borrower repays the debt amount.
However, the sanctioned funds are relatively higher, as the borrower can acquire a loan against property for up to 70 percent of the property costs. The loan against property interest rates are also lower than other loans, and its repayment terms are flexible.
Factors Affecting Loan Against Property Eligibility Criteria
Below are depicted the factors that affect the loan against property eligibility:
1) Credit History
Credit history is one of the most vital factors to evaluate a Loan Against Property application. The credit score of the borrower represents the repayment capabilities and credibility. A credit score reflects whether or not a borrower will be able to repay their loan on time. As a result, maintaining a strong credit history is essential.
2) Incomplete Property Documents
You must pay close attention to the documentation pertaining to the mortgaged property. Before applying for a Loan Against Property, ensure all of your documentation is in order. Documents such as title deeds, building blueprints, appropriate authority permissions, and property registration should be readily available. Keeping the documents required for a loan against property ready escalates the loan procedure and increases the approval chances.
3) Loan Tenure
A longer loan term allows you to get a loan faster and pay lesser EMIs. If you have a low income, you can always choose lengthier terms because these loans have a shorter term than a traditional home loan. You can count on a loan against property calculator to determine the repayment tenure that best suits you.
4) Borrower's Age
The age of the borrower is crucial in establishing the debtor's ability to repay the debt. The loan must be repaid before the borrower reaches the age of 65. If the debtor has already reached the mid-60s, there are chances of loan application denial. In this case, you may choose to look for loans with a shorter term, which will result in higher EMIs.
5) Regular Income Flow
One of the most important considerations is that the application must have a continuous and constant source of income, ensuring that the borrower has the financial means to repay the loan EMIs.
6) Property Insurance
Mortgage insurance takes care of the loan repayment, alleviating the financial strain on your family. It also reduces the borrower's risk in the event of unforeseen occurrences. As a result, it's always a good idea to get mortgage insurance to protect your financial interests.
Interest Rates and Other Charges
The loan amount and the repayment tenure determine the loan against property interest rate. Because a loan against property is a secured finance product, it is feasible to negotiate a lower interest rate based on a variety of circumstances.
If you take out a loan for a longer period of time, the interest rate will drop even more. The majority of banks have interest rates that range from 9 percent to 12 percent. To compute approximate values in advance, one can count on loan against property EMI calculator.
In addition to interest rates, you have to pay some nominal charges. The below-depicted table provides a better understanding of the applicable charges:
Processing Charges | Around 1 percent of the loan amount |
Prepayment Charges | Prepayment charges may vary from one bank to another. Usually, banks charge 2.5 percent of the outstanding amount as prepayment charges. |
Late Payment Charges | 1 to 2 percent of the due monthly instalment |
Bounce cheque Charges | May vary from INR 250 to INR 550 |
Documents Required for Loan Against Property
Following are the documents required for a loan against property:
- Bank account statement (last three months)
- PAN card and Aadhaar card
- Residence and identity proof
- Salary Proof (for salaried applicants)
- Scanned copy of property documents
- Income tax returns (last two years)
- Form 16
Need Loan Assistance?
Connect with Loan Against Property Advisor Now!
Interest Rates
Loans
- 30 Lakh Home Loan EMI
- Yes Bank Personal Loan of 9 Lakh
- BOB Housewife Personal Loan
- ICICI Bnak Housewife Personal Loan
- Kotak Mahindra Bank Personal Loan of 2 Lakh
- HSBC Bank Small Loans
- RBL Bank Personal Loan of 2 Lakh
- IDFC First Bank Personal Loan Balance Transfer
- Union Bank of India Personal Loan of 9 lakh
- Indusind Bank Personal Loan of 6 Lakh
- Indian Bank small loans
- IDBI Bank Salaried Employee Personal loan
- 20 Lakh Home Loan EMI
- Union Bank of India Personal Loan of 8 lakh
- HSBC Bank Overdraft Loan
- HSBC Bank Personal Loan Transfer
- Yes Bank Travel Loan
- Kotak Travel Loan
- HDFC Personal Loan of 2 Lakh
- Canara Travel Loan
- HDFC Personal Loan of 4 Lakh
- SBI Personal Loan of 20,000
- Bank Of Baroda Small Loans
- RBL Bank Travel Loan
- SBI Personal Loan of 3 Lakh
- IndusInd Bank Medical Loan
- SBI Personal Loan of 5000
- SBI Personal Loan of 4 Lakh
- SBI Personal Loan of 40000
- BOB Personal Loan of 7 Lakh
- SBI Personal Loan of 7 Lakh
- SBI Personal Loan of 10 Lakh
- BOB Personal Loan of 50000
- BOB Personal Loan of 10 Lakh
- HSBC Bank Medical Loan
- HDFC Personal Loan of 3 Lakh
- Canara Bank Housewife Personal Loan
- HDFC Personal Loan of 5 Lakh
- SBI Personal Loan of 10000
- SBI Personal Loan of 25000
- Canara Bank Students Personal Loan
- PNB Bank Medical Loan
- ICICI Personal Loan of 10000
- ICICI Personal Loan of 5000
- ICICI Personal Loan of 15000
- HDFC Personal Loan of 1 Lakh
- BOB Personal Loan for Doctors
- BOB Personal Loan of 2 Lakh
- BOB Bank Wedding Loan
- HDFC Personal Loan of 6 Lakh
- Indusind Bank Personal Loan of 5 Lakh
- SBI Personal Loan of 15,000
- ICICI Personal Loan of 20000
- SBI Personal Loan of 30000
- ICICI Personal Loan of 50000
- SBI Personal Loan of 50000
- ICICI Personal Loan of 1 Lakh
- SBI Personal Loan of 1 Lakh
- SBI Personal Loan of 2 Lakh
- Indian Bank Medical Loan
- SBI Personal Loan of 5 Lakh
- SBI Personal Loan of 6 Lakh
- SBI Personal Loan of 8 Lakh
- ICICI Personal Loan of 2 Lakh
- SBI Personal Loan of 9 Lakh
- BOB Personal Loan of 10000
- BOB Personal Loan of 40000
- Bank of India Medical Loan
- BOB Personal Loan of 1 Lakh
- ICICI Personal Loan of 3 Lakh
- BOB Personal Loan of 8 Lakh
- BOB Personal Loan of 9 Lakh
- Bank of Maharashtra Wedding Loan
- Canara Bank Self Employed Personal Loan
- Karnataka Bank Wedding Loan
- Kotak Personal Loan for Wedding
- Indusind Bank Salaried Employee Personal loan
- Union Bank Students Personal loan
- Federal Bank Personal Loan of 3 Lakh
- ICICI Personal Loan of 10 Lakh
- Indusind Bank Personal Loan of 40000
- Indusind Bank Personal Loan of 8 Lakh
- Indusind Bank Personal Loan of 9 Lakh
- Union Bank of India Personal Loan of 2 lakh
- IDBI Bank Personal Loan of 50000
- Axis Bank Personal Loan of 40000
- Punjab Sind Bank overdraft loan
- Karnataka Bank Travel Loan
- Punjab & Sind Bank Medical Loan
- Federal Bank Medical Loan
- Canara Bank Short-Term loan
- Union Bank Small Personal Loan
- Federal Bank Travel Loan
- ICICI Bank Personal Loan Balance Transfer
- ICICI Personal Loan for Wedding
- Union Bank Personal Loan for Lawyers
- Federal Bank Personal Loan of 10 Lakh
- Yes Bank Personal Loan of 1 Lakh
- Union Bank of India Personal Loan of 4 lakh
- SBI Bank Personal Loan Balance Transfer
- RBL Bank Government Employees Personal loan
- Axis Bank Asha Home Loan Scheme
- Canara Bank Personal Loan for Wedding
- Kotak Mahindra Bank Personal Loan of 7 lakh
- Home Loan for 70000 Salary
- ICICI Credit Card Application Status
- Indusind Bank Senior Citizens/Pensioners Personal loan
- Indusind Bank Students Personal loan
- Indusind Bank Personal Loan for Doctors
- Union Bank of India Personal Loan of 1 lakh
- Axis Bank Personal Loan of 5000
- Axis Bank Personal Loan of 10000
- Axis Bank Personal Loan of 15000
- Indian Bank Personal Loan for Doctors
- Federal Bank Personal Loan of 50000
- Axis Bank Personal Loan of 1 lakh
- Union Bank Self Employed Personal loan
- Indusind Bank Personal Loan for Lawyers
- Federal Bank Personal Loan of 1 Lakh
- Union Bank Government Employees Personal loan
- Union Bank Personal Loan for Doctors
- Federal Bank Personal Loan of 4 Lakh
- Federal Bank Personal Loan of 7 Lakh
- Union Bank of India Personal Loan of 5 lakh
- ICICI Personal Loan of 4 Lakh
- BOB Students Personal Loan
- Axis Bank Personal Loan of 2 lakh
- Axis Bank Personal Loan of 3 lakh
- Union Bank Housewife Personal loan
- Federal Bank Personal Loan of 6 Lakh
- Axis Bank Personal Loan of 4 lakh
- Axis Bank Personal Loan of 5 lakh
- Indian Bank Personal Loan of 8 lakh
- Canara Bank Small Personal Loan
- Axis Bank Personal Loan of 6 lakh
- Axis Bank Personal Loan of 7 lakh
- Karur Vysya Bank short term personal loan
- Axis Bank Personal Loan of 8 lakh
- Union Bank Salaried Employee Personal loan
- Yes Bank Home Loan Eligibility Calculator
- 1 crore Home Loan EMI
- 50 Lakh Home Loan EMI
- 25 Lakh Home Loan EMI
- Union Bank Home Loan Eligibility Calculator
- HDFC Personal Loan of 10000
- HDFC Senior Citizen Personal Loan
- HDFC Government Employees Personal Loan
- HDFC Salaried Employee Personal Loan
- Yes Bank Personal Loan of 2 Lakh
- HDFC Personal Loan for Doctors
- Indusind Bank Personal Loan of 1 Lakh
- Union Bank of India Personal Loan of 6 lakh
- HDFC Personal Loan for lawyers
- SBI Personal Loan Eligibility Calculator
- RBL Bank Personal Loan of 10 Lakh
- IDFC First Bank Personal Loan of 2 Lakh
- Axis Senior Citizen Personal Loan
- Yes Bank Government Employee Personal loan
- Axis Government Employees Personal Loan
- Axis Salaried Employee Personal Loan
- Indian Bank Personal Loan of 10 lakh
- Indian Bank Salaried Employee Personal loan
- IDBI Bank Personal Loan of 40000
- Karnataka Bank small loans
- IDFC First Bank Personal Loan of 1 Lakh
- Canara Bank Personal Loan of 9 Lakh
- 10 Lakh SBI Home Loan
- Indian Bank Personal Loan of 9 lakh
- Canara Bank Personal Loan of 7 Lakh
- Axis Students Personal Loan
- Kotak Mahindra Bank Personal Loan of 6 Lakh
- RBL Bank Personal Loan for Lawyers
- Karnataka Bank overdraft loan
- Canara Bank Personal Loan of 6 Lakh
- Union Bank of India Personal Loan of 50000
- Union Bank Senior Citizens/Pensioners Personal loan
- Federal Bank Salaried Employee Personal loan
- RBL Bank Personal Loan of 7 Lakh
- RBL Bank Personal Loan Transfer
- RBL Bank Personal Loan of 8 Lakh
- Canara Bank Personal Loan of 10 Lakh
- BOB Salaried Employee Personal Loan
- Axis Bank Fast Forward Home Loan Scheme
- ICICI Bnak Self Employed Personal Loan
- IDFC First Bank Personal Loan of 5000
- Yes Bank Personal Loan of 7 Lakh
- ICICI Bnak Personal Loan for Doctors
- Federal Bank Students Personal loan
- 80 Lakh Home Loan EMI
- RBL Bank Personal Loan of 50000
- IDFC First Bank Personal Loan of 10000
- RBL Bank Personal Loan of 9 Lakh
- IDFC First Bank Personal Loan of 20,000
- Indian Bank Government Employees Personal loan
- IDFC First Bank Personal Loan of 25000
- RBL Bank Personal Loan of 6 Lakh
- IDFC First Bank Personal Loan of 40000
- SBI Government Employees Personal Loan
- Yes Bank Self Employed Personal loan
- SBI Salaried Employee Personal Loan
- SBI Students Personal Loan
- SBI Housewife Personal Loan
- SBI Self Employed Personal Loan
- Yes Bank Students Personal loan
- SBI Personal Loan for Doctors
- Indiabulls Home Loan Eligibility Calculator
- SBI Personal Loan for Lawyers
- Kotak Mahindra Bank Personal Loan of 5 Lakh
- Yes Bank Personal Loan of 4 Lakh
- BOB Senior Citizen Personal Loan
- IDFC First Bank Personal Loan of 50000
- Axis Bnak Personal Loan for Doctors
- Axis Bnak Self Employed Personal Loan
- Union Bank of India Personal Loan of 40000
- Axis Bnak Housewife Personal Loan
- Kotak Mahindra Bank Personal Loan of 3 Lakh
- Yes Bank Personal Loan of 50000
- Yes Bank Personal loan for Doctors
- Federal Bank Personal Loan of 8 Lakh
- Home Loan Eligibility Calculator
- IDFC First Bank Personal Loan of 4 Lakh
- IDFC First Bank Personal Loan of 5 Lakh
- IDFC First Bank Personal Loan of 6 Lakh
- Indusind Bank Personal Loan of 10 Lakh
- Kotak Home Loan Eligibility Calculator
- IDFC First Bank Personal Loan of 7 Lakh
- Kotak Mahindra Bank Personal Loan of 4 Lakh
- IDFC First Bank Personal Loan of 8 Lakh
- Federal Bank Personal Loan of 5 Lakh
- Canara Bank Home Loan Eligibility Calculator
- IDFC First Bank Personal Loan of 9 Lakh
- Holi 2024
- Union Bank of India Personal Loan of 7 lakh
- Indusind Bank Personal Loan of 2 Lakh
- Indusind Bank Personal Loan of 50000
- Axis Bank Personal Loan of 30000
- Yes Bank Personal Loan of 8 Lakh
- RBL Bank Personal Loan of 5 Lakh
- Federal Bank Self Employed Personal loan
- RBL Bank Personal Loan of 1 Lakh
- IDBI Bank Flexi Loan
- Canara Bank Salaried Employee Personal loan
- ICICI Personal Loan of 7 Lakh
- PNB Personal Loan of 50000
- Yes Bank Salaried Employee Personal loan
- Yes Bank Personal Loan of 6 Lakh
- RBL Bank Personal Loan of 40000
- PMEGP Loan
- ICICI Personal Loan of 6 Lakh
- HDFC Bank Personal Loan Balance Transfer
- BOB Self Employed Personal Loan
- IDFC First Bank Personal Loan of 10 Lakh
- Federal Bank Housewife Personal loan
- Kotak Bank Housewife Personal Loan
- PNB Personal Loan of 3 Lakh
- Kotak Bank Personal Loan for Lawyers
- Canara Bank Personal Loan for Senior Citizens
- Canara Medical Loan
- HDFC Personal Loan of 15000
- Axis Travel Loan
- RBL Bank Salaried Employee Personal loan
- Yes Bank Housewife Personal loan
- Home Loan for 40000 Salary
- 15 Lakh Home Loan EMI
- Indian Bank Personal Loan of 1 lakh
- 70 Lakh Home Loan EMI
- Canara Bank Personal Loan for Doctors
- Kotak Mahindra Bank Personal Loan of 9 lakh
- RBL Bank Self Employed Personal loan
- Personal Loan for Government Employees
- Canara Bank Personal Loan for Lawyers
- IDFC Personal Loan for Senior Citizens
- IndusInd Bank Overdraft Loan
- HDFC Personal Loan of 20000
- Federal Bank Personal Loan of 9 Lakh
- ICICI Bank Overdraft Loan
- PNB Personal Loan of 4 Lakh
- Indusind Bank Personal Loan of 30000
- HDFC Personal Loan of 50000
- Personal Loan of 20 Lakh
- PNB Personal Loan for Doctors
- Personal Loan for CIBIL Score 650
- Personal Loan for CIBIL Score 650
- Bank of Maharashtra personal loan transfer
- HSBC Bank Flexi Loan
- SBI Overdraft Loan
- Federal Bank Overdraft Loan
- Union Bank Flexi Loan
- HDFC Bank Overdraft Loan
- Personal Loan for CIBIL Score of 700
- IDBI Bank Senior Citizens/Pensioners Personal loan
- IDFC Salaried Employee Personal Loan
- 4 Crore Home Loan EMI
- 55 Lakh Home Loan EMI
- IDFC First Bank Overdraft Loan
- Axis Bank Overdraft Loan
- PNB short term personal loan
- Kotak Bank Overdraft Loan
- Union Bank Personal Loan Transfer
- Yes Bank Overdraft Loan
- Canara Bank Overdraft Loan
- ICICI Bank Flexi Loan
- Indian Bank Personal Loan of 5 lakh
- SBI Flexi Loan
- Kotak Bank Flexi Loan
- Loans
- Bank of India Senior Citizens Personal Loan
- Yes Bank Flexi Loan
- ICICI Personal Loan of 8 Lakh
- HDFC Personal Loan of 25000
- Federal Bank Personal Loan for Doctors
- ICICI Personal Loan of 9 Lakh
- IDBI Bank Government Employees Personal loan
- Canara Bank Flexi Loan
- 10 Lakh Home Loan EMI
- Indian Bank Personal Loan of 2 lakh
- 40 Lakh Home Loan EMI
- 2 crore Home Loan EMI
- ICICI Bank Short Term Loan
- SBI Short Term Loan
- Indian Bank overdraft loan
- IDFC First Bank Short Term Loan
- Axis Bank Short Term Loan
- Yes Bank Short Term Loan
- Union Bank of India Personal Loan of 30000
- Kotak Bank Short Term Loan
- BOB Personal Loan for Lawyers
- SBI Small Personal Loan
- HDFC Bank Small Personal Loan
- Federal Bank Personal Loan of 2 Lakh
- Indusind Bank Self Employed Personal loan
- IDBI Bank Personal Loan of 2 Lakh
- IDFC Students Personal Loan
- Indusind Bank Government Employees Personal loan
- IDFC First Bank Small Personal Loan
- Bank of Maharashtra Government Employees Personal Loan
- Axis Bank Personal Loan of 50000
- Bank of India Government Employees Personal Loan
- Axis Bank Small Personal Loan
- RBL Bank Flexi Loan
- Kotak Bank Small Personal Loan
- Bank of India Students Personal Loan
- IDFC Government Employees Personal Loan
- RBL Bank Personal Loan of 30000
- IDFC Housewife Personal Loan
- IDFC Home Loan Eligibility Calculator
- IDBI Bank Personal Loan for Lawyers
- IDFC Self Employed Personal Loan
- IDFC Personal Loan for Doctors
- HSBC Bank Wedding Loan
- Bank of India Self Employed Personal Loan
- IDFC Personal Loan for Lawyers
- Kotak Bank Salaried Employee Personal Loan
- HSBC Bank Travel Loan
- PNB Bank Travel Loan
- BOB Bank Medical Loan
- BOB Bank Travel Loan
- Union Bank Travel Loan
- Kotak Mahindra Bank Personal Loan of 10 lakh
- Indusind Bank Personal Loan of 4 Lakh
- ICICI Bnak Personal Loan for Lawyers
- Bank of Maharashtra Personal Loan of Rs. 5 Lakh
- Home Loan for 20000 Salary
- PNB Students Personal Loan
- Bank of Maharashtra overdraft loan
- Indusind Bank Short Term Personal Loan
- Bank Of Baroda Overdraft Loan
- Yes Bank Small Personal Loan
- RBL Bank Wedding Loan
- Bank of India Personal Loan for Doctors
- IndusInd Bank Wedding Loan
- ICICI Bank Small Personal Loan
- IndusInd Bank Travel Loan
- Bank of India Personal Loan for lawyers
- PNB Bank Wedding Loan
- Union Bank Wedding Loan
- Indian Bank Travel Loan
- Bank of India Wedding Loan
- PNB Senior Citizens/Pensioners Personal loan
- Bank of India Travel Loan
- Indian Bank Personal Loan of 6 lakh
- Bank of Maharashtra Medical Loan
- Bank Of Maharashtra Travel Loan
- Karnataka Bank Medical Loan
- Bank of Maharashtra small loans
- Punjab & Sind Bank Wedding Loan
- Karur Vysya Bank Medical Loan
- IDBI Bank Personal Loan of 30000
- Axis Super Save Home Loan Scheme
- 35 Lakh Home Loan EMI
- Karur Vysya Bank Wedding Loan
- HDFC Personal Loan of 7 Lakh
- Kotak Mahindra Bank Personal Loan of 50000
- Bank of Maharashtra Senior Citizens Personal Loan
- ICICI Personal Loan for Senior Citizen
- IDBI Bank small loans
- HDFC Personal Loan of 8 Lakh
- Bank of Maharashtra Personal Loan for Doctors
- BOB Personal Loan of 15,000
- 60 Lakh Home Loan EMI
- IDBI Bank Personal Loan for Doctors
- BOB Personal Loan of 20,000
- Karnataka Bank Government Employees Personal Loan
- BOB Personal Loan of 25000
- BOB Personal Loan of 30000
- BOB Personal Loan of 6 Lakh
- RBL Bank Housewife Personal loan
- BOB Personal Loan of 4 Lakh
- IDFC First Bank Personal Loan of 3 Lakh
- Indian Bank Students Personal loan
- Indian Bank Personal Loan of 7 lakh
- BOB Personal Loan of 5 Lakh
- ICICI Salaried Employee Personal Loan
- Kotak Bank Self Employed Personal Loan
- Kotak Mahindra Bank Personal Loan of 5000
- Axis Bank Personal Loan Balance Transfer
- Kotak Mahindra Bank Personal Loan of 10000
- Karur Vysya Bank overdraft loan
- IDBI Bank Personal Loan of 1 Lakh
- Kotak Mahindra Bank Personal Loan of 40000
- PNB Personal Loan of 30000
- Kotak Mahindra Bank Personal Loan of 30000
- Kotak Mahindra Bank Personal Loan of 8 Lakh
- RBL Bank Small Loan
- Kotak Bank Personal Loan for Doctors
- Home Loan for 30000 Salary
- ICICI Government Employee Personal loan
- Home Loan for 50000 Salary
- Home Loan for 60000 Salary
- Yes Bank Small Personal Loan
- Kotak Mahindra Bank Personal Loan of 1 lakh
- Canara Bank Personal Loan of 5000
- Canara Bank Personal Loan of 10000
- PNB Salaried Employee Personal loan
- Indusind Bank Personal Loan Transfer
- Canara Bank Personal Loan of 15,000
- Canara Bank Personal Loan of 20,000
- Canara Bank Personal Loan of 25000
- HSBC Bank Short Term Personal Loan
- Canara Bank Personal Loan of 30000
- Canara Bank Personal Loan of 40000
- Bank Of India short term personal loan
- Indusind Bank Small Loans
- Axis Bnak Personal Loan for Lawyers
- Federal Bank Short Term Personal Loan
- Punjab & Sind Bank Travel Loan
- Indusind Bank Flexi Loan
- Yes Bank Personal Loan of 40000
- Indian Bank Personal Loan of 4 lakh
- Indian Bank Personal Loan for Lawyers
- Canara Bank Personal Loan of 50000
- Canara Bank Personal Loan of 1 Lakh
- Union Bank Short Term Personal Loan
- Union Bank overdraft loan
- Canara Bank Personal Loan of 2 Lakh
- Karur Vysya Bank small loans
- Canara Bank Personal Loan of 3 Lakh
- IDBI Bank Self Employed Personal loan
- RBL Bank Medical Loan
- Canara Bank Personal Loan of 4 Lakh
- HDFC Personal Loan of 30000
- Canara Bank Personal Loan of 5 Lakh
- Federal Bank Wedding Loan
- Federal Bank Salaried Employee Personal Loan
- Axis Personal Loan for Wedding
- HDFC Personal Loan for Wedding
- SBI Personal Loan for Medical
- IDBI Bank Travel Loan
- Yes Bank Personal Loan of 3 Lakh
- Yes Bank Personal Loan of 5 Lakh
- SBI Personal Loan for Wedding
- HDFC Personal Loan of 5000
- IDBI Bank Wedding Loan
- DBI Bank Medical loan
- RBL Bank Students Personal loan
- HDFC Personal Loan of 40000
- 45 Lakh Home Loan EMI
- Karur Vysya Bank Travel Loan
- Union Bank of India Personal Loan of 10 lakh
- Canara Bank Personal Loan of 8 Lakh
- RBL Bank Overdraft Loan
- RBL Bank Personal Loan of 3 Lakh
- RBL Bank Personal Loan of 4 Lakh
- PNB Personal Loan of 2 Lakh
- IDBI Bank Personal Loan of 5 Lakh
- PNB Government Employees Personal loan
- IDBI Home Loan Eligibility Calculator
- SBI Home Loan Eligibility Calculator
- ICICI Home Loan Eligibility Calculator
- HDFC Home Loan Eligibility Calculator
- Navi Personal Loan Eligibility Calculator
- Axis Bank Personal Loan of 20000
- RBL Bank Short Term Personal Loan
- Bank Of India overdraft loan
- BOB Government Employees Personal Loan
- 5 Crore Home Loan EMI
- Canara Bank Government Employees Personal Loan
- ICICI Personal Loan of 5 Lakh
- IDBI Bank Students Personal loan
- IDBI Bank Personal Loan of 4 Lakh
- Axis Bank Empower Home Loan Scheme
- 85 Lakh Home Loan EMI
- HDFC Personal Loan for Medical
- Indian Bank Personal Loan of 3 lakh
- PNB Personal Loan of 1 Lakh
- Kotak Bank Government Employees Personal Loan
- Axis Bank Personal Loan of 10 lakh
- Bank of India Salaried Employee Personal Loan
- PNB Personal Loan of 40000
- IDBI Bank Personal Loan of 3 Lakh
- IDFC First Medical Loan
- ICICI Medical Loan
- Axis Bank Personal Loan For Medical
- Yes Bank Personal Loan for Wedding
- IDFC First Personal Loan for Wedding
- Kotak Medical Loan
- Yes Bank Medical Loan
- Indusind Bank Personal Loan of 3 Lakh
- Home Loan
- Personal Loan
- Business Loan
- Federal Bank Personal Loan for Lawyers
FAQs
From refinancing to reducing your interest, we have the answers right here.
Will I get a loan against my property?
Yes, you can get a loan against property if the property is registered in your name and you have the required set of documents. Additionally, you must be eligible to secure a loan against property.
Is it possible to apply for a loan against property if it is a joint property?
Yes, it is possible to apply for a loan against property in the case of joint property. The co-owner of the property will become the co-applicant in the loan application. Additionally, the chances of securing a higher loan amount also increase.
What is eligibility for a loan against property?
The loan against property eligibility criteria is quite simple. You must be between the ages of 21 and 65, have a yearly income of INR35,000, a good credit history, and the property must be registered in your name.
What is the maximum term for which I can avail of a loan against property (LAP)?
You can avail of a loan against property (LAP) for a maximum of 20 years.
Is there an application fee for a loan against property?
Yes, to avail of a loan against property, you need to pay an application fee of 1 percent of the loan amount plus applicable service tax.
How will I know if my Loan Against Property application is approved?
On the approval of your loan application, the designated bank executive will get in touch with you for further processing. Additionally, you can check your loan status by visiting the bank’s official website.
Is the interest rate for the loan against property standards between lenders?
No, interest rates vary from one lender to another based upon certain factors, such as credit history, loan tenure, income stability, location of the property, and much more.
What is the maximum loan amount that I can avail of against the property?
You can borrow up to INR 7 crores against a property. However, the loan amount depends upon the market value of the property.
Can I get a loan against a plot?
Yes, you can get a loan against a plot, residential property and commercial property.
Can a loan against property be availed without income proof?
Yes, you can get a loan against property without income proof, but you will have to submit other required documents.
Can a loan against property be availed without CIBIL?
Banks take the CIBIL score into consideration for evaluating a loan application. If you have bad credit, either your loan application will be rejected, or you will have to pay higher loan interest rates for it.
Most Popular on Urban Money
Investment
Check Eligibility
Loan Against Property Calculator
- Axis Bank Loan Against Property Calculator
- ICICI Bank Loan Against Property Calculator
- HDFC Bank Loan Against Property Calculator
- Bank of Baroda Loan Against Property Calculator
- Union Bank of India Loan Against Property Calculator
- State Bank of India Loan Against Property Calculator
- IndusInd Bank Loan Against Property Calculator
- Punjab National Bank Loan Against Property Calculator
- YES Bank Loan Against Property Calculator
- Federal Bank Loan Against Property Calculator
- IDBI Bank Loan Against Property Calculator
- CITI Bank Loan Against Property Calculator
- IDFC FIRST Bank Loan Against Property Calculator
- RBL Bank Loan Against Property Calculator
- DCB Bank Loan Against Property Calculator
- Kotak Bank Loan Against Property Calculator
Loan Against Property Top Banks
- Axis Bank Loan Against Property
- IndusInd Bank Loan Against Property
- Kotak Bank Loan Against Property
- DCB Bank Loan Against Property
- IDFC FIRST Bank Loan Against Property
- DHFL Loan Against Property
- ICICI Bank Loan Against Property
- HDFC Bank Loan Against Property
- YES Bank Loan Against Property
- Fullerton India Loan Against Property
Top 10 Banks
Gold & Silver Rate
Get your latest Credit Score, FREE
Loan Against Property Guide
Get in-depth knowledge about all things related to Loan Against Property and your finances
![Unlock Your Property’s Value with Loan Against Property in 2023](/_next/image?url=https%3A%2F%2Fwww.urbanmoney.com%2Fblog%2Fwp-content%2Fuploads%2F2022%2F01%2FLAP.jpg&w=384&q=75)
Unlock Your Property’s Value with Loan Against Property in 2023
Loan Against Property or a property loan is a financial assistance tool available with an immovable asset or real estate as collateral. This secured loan can be used for myriad reasons instrumental in
![Complete Details Loan Against Property Balance Transfer](/_next/image?url=https%3A%2F%2Fwww.urbanmoney.com%2Fblog%2Fwp-content%2Fuploads%2F2023%2F01%2FLoan-Against-Property-1-1.jpg&w=384&q=75)
Complete Details Loan Against Property Balance Transfer
A balance transfer is a facility that allows a customer to switch their lender for an improved or lower interest rate and services. Consequently, the new bank will be liable to pay the outstanding loa
![How to Get Loan Against Property Without Income Proof?](/_next/image?url=https%3A%2F%2Fwww.urbanmoney.com%2Fblog%2Fwp-content%2Fuploads%2F2022%2F01%2FLoan-against-Property-without-income.jpg&w=384&q=75)
How to Get Loan Against Property Without Income Proof?
When you pledge your residential or commercial property as collateral to the lender and borrow a specific amount in return, it is known as a loan against property or LAP. Simply put, it is a loan you