Property-Backed Liquidity
Loan Against Property (LAP) in India — Compare Rates from Top Lenders
Interest rate starting at 9.00%*
Unlock 60–70% of your residential or commercial property's registered market value while retaining full occupation and rental income.
Check LAP eligibilityTenures up to 20 years • 0.50% - 0.90% MakaanLoan rate concessions
Overview
Big-ticket money, small-ticket rates
Typical LAP pricing starts at 9.00% p.a. versus 11–24% for unsecured business or personal loans — with tenures up to 20 years that keep EMIs sane.
60–70% of market value
High loan-to-value limits because the property is already constructed with a clear title.
Business or personal use
Expand your enterprise, fund higher education, or consolidate expensive debt — the end use is flexible.
You keep the property
Occupation and rental income continue completely unaffected; the lender only holds the title deeds.
Clear title is everything
Approval hinges on a clean 30-year title chain. We pre-vet it so there are no surprises after bank valuation.
Eligibility
What lenders look for
Owned residential, commercial, or industrial property
Clear, marketable title (we help verify)
CIBIL score 650+
Demonstrable repayment capacity (income or business cash flow)
Age 25–65 at loan maturity (tenures up to 20 years)
Existing property loan? Top-up or refinance both possible