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Loan Against Property

Loan Against Property

Leverage your residential or commercial property for higher loan amounts. Compare offers from our RBI-regulated bank & NBFC partners — free, with a dedicated advisor.

InterestFrom 9%
Amount₹10 L – ₹3 Cr
TenureUp to 15 yrs
Collateral / LTVUp to 60%
Apply for LAP Calculate EMI
Overview

What is a Loan Against Property?

A Loan Against Property (LAP) lets you unlock funds by mortgaging a residential or commercial property you already own, typically at lower rates than unsecured loans, for uses ranging from business expansion to education or medical needs. Unlike a home loan, LAP funds are largely unrestricted in how you use them.

LTV / collateral: Up to 60% — typical industry ceiling, varies by lender.

Key features

Why take it through Kredistar

  • Leverage residential or commercial property
  • Lower interest rates than unsecured business or personal loans
  • Tenure up to 15 years for manageable EMIs
  • Funds usable for business expansion, education, or medical needs
  • One application compared across our bank & NBFC panel — zero fee to you
Types

Types of Loan Against Property

Residential Property LAP

Mortgage your home to raise funds.

Commercial Property LAP

Mortgage shops, offices, or commercial units.

Lease Rental Discounting

Loan against future rental income from a leased commercial property.

LAP Balance Transfer

Move an existing LAP to a lender offering better terms.

Eligibility

  • Property owner, 25–65 years
  • Clear and marketable property title
  • Stable income — salaried or self-employed
  • Good CIBIL score preferred

Documents

  • PAN card and Aadhaar card
  • Property title deed and tax receipts
  • Income proof — salary slips or ITR
  • Bank statements — last 6 months

Do’s

  • Ensure your property has a clear, marketable title before applying
  • Compare LTV across lenders — it varies more for LAP than for home loans
  • Factor in valuation and legal-verification charges upfront
  • Choose tenure based on affordability, not just the lowest EMI
  • Keep property tax receipts and ownership documents organised

Don’ts

  • Don’t mortgage a property with any legal dispute or unclear title
  • Don’t over-leverage — LAP amounts can be large, so plan repayment carefully
  • Don’t skip independent legal/valuation checks even if the lender offers one
  • Don’t forget: default can lead to loss of the mortgaged property
  • Don’t assume residential and commercial LAP have identical terms — they usually don’t
EMI calculator

Estimate your LAP EMI

Loan amount
Interest rate (p.a.)
Tenure
Your monthly EMI —
Principal Interest
Total payable
Apply for this loan

Indicative calculation on a reducing-balance basis. Excludes processing fee, GST and other lender charges.

FAQs

Loan Against Property — common questions

Can I use LAP funds for any purpose?
Yes, largely unrestricted — business, education, medical, or debt consolidation are all common uses.
Is LAP cheaper than a personal loan?
Usually yes, since it’s secured — LAP rates are typically well below unsecured personal loan rates.
Can I sell the property while the LAP is active?
Only after the loan is closed and the mortgage is released, or with the lender’s explicit consent as part of a structured payoff.
How long does LAP approval take?
Longer than unsecured loans — typically 1–3 weeks, due to property valuation and legal verification.
Can I get LAP on an inherited property?
Yes, provided you have clear, undisputed title and the necessary succession/inheritance documents.
Lending partners

Our banking & NBFC partners

Loans are sanctioned and disbursed by these RBI-regulated lenders. Kredistar is their sourcing partner (DSA) — compare them and apply in one place.

Compare all lenders
HDFC
HDFC Bank ROI from 7.45% p.a. · up to ₹50 L Bank
ICICI
ICICI Bank ROI from 7.7% p.a. · up to ₹50 L Bank
AXIS
Axis Bank ROI from 7.55% p.a. · up to ₹40 L Bank
SBI
State Bank of India ROI from 7.25% p.a. · up to ₹50 L Bank
IDFC
IDFC First Bank ROI from 7.8% p.a. · up to ₹15 L Bank
KOTAK
Kotak Mahindra Bank ROI from 7.6% p.a. · up to ₹1 Cr Bank
BAJAJ
Bajaj Finserv ROI from 7.45% p.a. · up to ₹55 L NBFC
TATA
Tata Capital ROI from 7.75% p.a. · up to ₹35 L NBFC
HDB
HDB Financial Services ROI as per lender · up to ₹20 L NBFC
Piramal Finance logo
Piramal Finance ROI from 11.99% p.a. · up to ₹25 L NBFC
PFL
Poonawalla Fincorp ROI from 9.99% p.a. · up to ₹50 L NBFC
and other lendersNot sure? Apply once — we find the best match

Indicative starting rates published by lenders (Oct 2026) — your rate depends on your profile. Names and logos are trademarks of their respective owners, shown only to identify our lending partners.

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Free · no CIBIL impact

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