Compare LAP Options
Explore Loan Against Property options from 42+ Banks and NBFCs instead of checking lenders one by one.
⚡ Loan Against Property Starting @ 9.25%* p.a.
Loan Against Property – Compare Low-Interest LAP in India
Looking for a Loan Against Property in India at a competitive interest rate? LoanSaarthi helps you compare Loan Against Property options from 42+ Banks and NBFCs across India. Explore low-interest secured loan options, check your eligibility, calculate your EMI and complete the initial loan assistance process through a 100% digital journey.
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Compare LAP options from 42+ banks and NBFCs
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Higher loan amount against your property
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Get assistance based on your property profile
Compare Loan Against Property Options in India
Looking for the cheapest Loan Against Property in India? LoanSaarthi helps you compare LAP options from multiple Banks and NBFCs based on your property, income, eligibility and financial requirements.
As a loan assistance partner, LoanSaarthi helps you explore suitable secured loan options from multiple banks and NBFCs instead of limiting your application to a single lender.
Our team can help you compare available options and proceed with a lender that may be suitable for your profile, subject to the lender's eligibility criteria, property valuation, policies and final approval.
100% Digital Loan Against Property Assistance
The initial Loan Against Property assistance process can be completed digitally from anywhere in India. You can explore suitable LAP options, check eligibility and begin the application process online without visiting the LoanSaarthi office.
Property valuation, legal verification and final approval depend on the respective bank or NBFC's policies.
Loan Against Property EMI Calculator
₹50,00,000
15 Yrs
9.25%
Monthly EMI₹51,460
Total Interest₹42,62,731
Total Payable₹92,62,731
LAP CALCULATOR
Loan Against Property EMI Breakdown
Use the calculator above to estimate your monthly EMI based on loan amount, interest rate and tenure before selecting a lender.
Loan Against PropertyLAP in IndiaSecured LoanMortgage Loan
Loan Against Property Eligibility Criteria
Loan Against Property eligibility depends on factors such as property type, property value, income, credit profile and the requirements of the respective lender. Select your property category below to understand the typical LAP requirements.
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Residential Property
Pledge your self-occupied or rented residential property for a secured loan.
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Commercial Property
For shops, offices, showrooms and other commercial property owners.
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Industrial Property
For factories, warehouses and industrial units offered as collateral.
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Plot / Land
Loan against residential or commercial plots and land parcels.
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Mixed-Use Property
For properties used for both residential and commercial purposes.
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LAP INDIA
Why Explore Loan Against Property with LoanSaarthi?
LoanSaarthi makes it easier to explore Loan Against Property options online by connecting customers with suitable Banks and NBFCs based on their property and eligibility.
Higher Loan Amounts
Secured loans against property typically offer higher loan amounts compared to unsecured personal loans.
Lower Interest Rates
Since LAP is a secured loan, interest rates are generally lower than unsecured loan options.
Longer Repayment Tenure
Explore LAP options with longer tenures to keep your monthly EMI more manageable.
LAP FAQ
Frequently Asked Questions About Loan Against Property
What is a Loan Against Property?
A Loan Against Property (LAP) is a secured loan where you pledge your residential, commercial or industrial property as collateral. The loan amount, interest rate and tenure depend on the lender's policies and property valuation.
How much loan can I get against my property?
Lenders typically offer up to a certain percentage of the property's market value, subject to the applicant's income, repayment capacity and the lender's internal policies.
What documents are required for LAP?
Common documents include property papers, KYC documents, income proof (ITR, salary slips, bank statements) and other property-related documents as required by the lender.
Is property valuation mandatory for LAP?
Yes. Lenders generally conduct a technical and legal verification of the property along with a valuation before sanctioning a Loan Against Property.
Can I apply for LAP on a jointly-owned property?
Yes, subject to the consent of all co-owners and the lender's policies. All co-owners may need to be co-applicants on the loan.
Is LAP approval guaranteed?
No lender can guarantee approval. Loan Against Property approval depends on property valuation, legal verification, income, credit profile and the lender's internal policies.
Important Information
LoanSaarthi assists customers in exploring and comparing loan options from partner banks and NBFCs. Loan approval, interest rate, loan amount, tenure, fees and other terms are decided by the respective lender based on its eligibility criteria and internal policies.