About Loan Against Property.
A loan against property lets eligible owners raise funds by pledging a residential or commercial property as collateral, generally at a comparatively larger amount and longer tenure than unsecured options.
We help you understand how lenders evaluate the property and applicant profile before you begin the process.
Why applicants choose
this route.
- ✓Larger loan amountsBeing secured, the sanctioned amount is often higher than unsecured loans.
- ✓Longer tenure optionsRepayment periods can typically extend longer than personal loans.
- ✓Residential or commercialBoth property types may be considered, subject to lender policy.
- ✓Multi-purpose useFunds can typically be used for business or personal requirements.
Broad eligibility
factors.
Actual eligibility, sanction amount and terms are decided solely by the concerned bank / NBFC based on their internal policy.
- ✓Property ownershipClear and marketable title to the property is generally required.
- ✓Income assessmentRepayment capacity is assessed through income or business financials.
- ✓Property valuationThe lender's technical team values the property as part of underwriting.
- ✓Legal clearanceThe property must generally pass the lender's legal due diligence.
Documents typically
requested.
Rate & fee
pointers.
Figures below are illustrative starting points only and vary by lender, profile and policy at the time of application.
| Aspect | Typical Range* |
|---|---|
| Loan tenure | Up to 15–20 years, subject to lender |
| Loan-to-value | Typically up to 50–70% of property value |
| Processing fee | Varies by lender |
| Property type | Residential or commercial, per policy |
How the enquiry
moves forward.
Share your requirement
Tell us the loan type, city and approximate amount you need.
Understand your options
We explain broad eligibility factors, likely documents and the applicable process.
Move forward confidently
Proceed with the relevant lender's process, with guidance at each step.
Common questions on
loan against property.
Can I use funds for any purpose?+
Generally yes, subject to the lender's end-use policy; some products may have specific restrictions.
Is commercial property accepted?+
Many lenders accept commercial property, though valuation and terms may differ from residential.
What happens if I default?+
As with any secured loan, the lender retains rights over the pledged property per the loan agreement; we always recommend understanding these terms before signing.
How is the property value assessed?+
The lender arranges an independent technical valuation as part of the underwriting process.