LoanSetu

Rates from 9.75% p.a.

Loan Against Property (LAP)

Unlock the value of your residential or commercial property for large funding needs at attractive rates.

  • Loan up to 70% of property value
  • Amounts up to ₹2 Crore+
  • Tenure up to 15 years
  • Lower rates than unsecured loans
  • Continue using the property

Get loan against property offers

100% free. No impact on your credit score to check offers.

Compare loan against property lenders

LenderRate fromMax amountTenureProc. feeDisbursal
HD

HDFC Bank

Fast approvals for salaried

10.5%₹40 L7 yr1.5%24h
IC

ICICI Bank

Wide product range

10.75%₹50 L7 yr1.5%48h
TC

Tata Capital

10.99%₹35 L6 yr1.75%48h
KM

Kotak Mahindra

Low home-loan rates

8.6%₹2 Cr20 yr0.5%96h
Indicative
Rates are starting rates and subject to lender approval, profile and credit score.

Eligibility

  • Own a residential/commercial property
  • Age 24–65 years
  • Steady income to service the EMI
  • Clear, marketable property title

Documents required

  • PAN & Aadhaar
  • Property ownership documents
  • Income proof
  • Bank statements (6 months)

Frequently asked questions

How much loan can I get against my property?+

Typically 50–70% of the property's market value, depending on property type and your repayment capacity.

Can I get a LAP on a commercial property?+

Yes — both residential and commercial properties are eligible, though LTV and rates may differ.