Business Loan
Loan Against Property

Get high-value loans against your property. Check multiple lenders to secure the best deal.

HDFC Bank
ICICI Bank
Axis Bank
SBI
Bajaj Housing Finance
HDFC Bank
ICICI Bank
Axis Bank
SBI
Bajaj Housing Finance

Key Highlights of Loan Against Property

  • Competitive interest rates starting from 8.5% per annum
  • Loan amount up to ₹5 crores or 70% of property value
  • Extended repayment tenure up to 20 years
  • Retain ownership and possession of your property
  • Use funds for any personal or business purpose
  • Lower interest rates compared to unsecured loans
  • Tax benefits available on interest paid

Best Banks & NBFCs Offering Loan Against Property

Bank/NBFCLoan AmountInterest RateProcessing FeeMax Tenure
HDFC Bank₹10L - ₹5Cr8.5% - 11.5%Up to 1% + GST20 years
ICICI Bank₹5L - ₹5Cr8.75% - 12%Up to 1% + GST20 years
Axis Bank₹5L - ₹5Cr9% - 12.5%Up to 2% + GST20 years
SBI₹1L - ₹5Cr8.65% - 11.15%0.35% + GST15 years
Bajaj Housing Finance₹10L - ₹5Cr9% - 13%Up to 3% + GST20 years

Features & Benefits of Loan Against Property

High Loan Amount

Get up to 70% of property market value as loan amount

Retain Ownership

Continue living in or using your property while repaying loan

Multipurpose Usage

Use loan amount for any personal or business requirement

Long Tenure

Extended repayment period up to 20 years for lower EMIs

Tax Benefits

Interest paid is tax deductible for business purposes

Balance Transfer

Transfer existing property loans for better rates

Types of Loan Against Property

Residential Property Loan

Loans against residential properties including apartments and independent houses

Commercial Property Loan

Loans against commercial properties like shops, offices, and warehouses

Plot Loan Against Property

Loans against residential or commercial plots in prime locations

Industrial Property Loan

Loans against industrial properties and manufacturing units

Rental Property Loan

Loans against rental properties with rental income consideration

Agricultural Land Loan

Loans against agricultural land and farm properties

Eligibility & Documents

Eligibility Criteria

Age21 to 65 years at loan maturity
Income₹25,000 per month minimum
EmploymentSalaried/Self-employed/Business owner
Credit Score700 and above preferred
DocumentsProperty papers and income proof required

How to Apply for Loan Against Property

1

Property evaluation and documentation check

2

Submit loan application with required documents

3

Property valuation by approved valuers

4

Legal verification and title clearance

5

Loan approval and sanction letter

6

Property mortgage and loan disbursement

EMI Calculator

₹50,000₹1,00,00,000
6 months360 months
8%30%

In Total:

₹5,64,882
Principal: ₹5,00,000
Interest: ₹64,882
EMI: ₹23,537