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Loan against property (LAP), are basically loans provided by banks against the security of one's own property. LAP is designed to meet the financial needs of someone who already owns a house or multiple properties so as to get the best out of their assets. Its important to remember that the property which you are putting up for your loan should be free any encumbrance (i.e. it is not given as security for any purpose or any other loan).

Banks provide LAP for both Salaried as well as Self-Employed individuals. The rates and loan amounts differ based on your property and your annual income.

Banks will always want to consider all risks, which is why while you are applying for your loan against property, there are certain factors the bank considers with respect to your property to mitigate its risks in giving out the loan. These factors determine your rate of interest, and loan amount. You can get a LAP of up to 80% of the registered value of your property depending on the Bank’s policy and the property type and valuation.  The value of the property would be determined through a valuation conducted by the Loan Provider.

Why Apply Loan Against Property With Us?

  • Higher amount: We provides you a higher amount on Loan against Property for your business or personal needs.
  • Fast Process: We provide you quick and hassle free loan with speedy approvals.
  • Interest rates: What could be better than this? Get a loan at competitive rates. We present the best rates from several banks, so you can make a right decision.
  • Easy repayments: With competitive interest rates and longer repayment tenure, EMI is certainly lower compared to other funding options.

Accomplish your requirements with our best Loan against property deals in India. We enable you to unlock the power of your property with our hassle-free process. You can mortgage your residential, commercial or Industrial property to get a loan and recover your financial needs. Loan Against Property is available at an attractive rate of interest, which makes it easy to be repaid through comfortable EMIs. Our customer support team is at your service to clear doubts on eligibility, offers, procedures and documentation, and help you apply.

Banks

up to 30 lacs

30-75 lacs

75 lacs & above

Processing fees

HDFC

10.35% - 12.35%

10.35% - 12.35%

10.35% - 12.35%

Up to 1.25% of the loan amount or Rs. 3,000 whichever is higher, plus applicable taxes.

Ing vysya

N.A

N.A

N.A

1%

ICICI Bank

N.A

N.A

N.A

0.50% - 1.00% of the loan amount or Rs.2000 whichever is higher

Axis Bank

11.60% - 12.25%

11.60% - 12.25%

11.60% - 12.25%

1% + Service tax as applicable

Indiabulls

11.00% - 14.50%

11.00% - 14.50%

11.00% - 14.50%

Up to 1.50% of the loan amount + S. Tax as Applicable

Fullerton

13%

13%

13%

1% of the loan amount

 

 

Disclaimer:Please note that the interest rates given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated .Users are advised to recheck the same with the individual companies / organizations. This site does not take any responsibility for any sudden / uninformed changes in interest rates.

Interest Rates Feb 2017

HDFC Ltd

8.65 - 8.75%

ICICI Bank

8.65 - 8.85%

LIC Housing

8.50 - 8.90%

DHFL

8.60%

Axis Bank

8.65 - 8.70%

SBI

8.60 - 8.70%

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Corporate Office : B-6/178, Sector -8, Rohini, Delhi.

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