Higher LTV Funding
Get up to 70% of your property's verified market value, ensuring you receive maximum liquidity for your asset.
Loan Against Property
Property loans up to ₹10.50 Crore at low rates with PaisaOne
Unlock the hidden value in your residential, commercial, or industrial property. Get high loan amounts, lowest interest rates starting from 8.25% p.a., and flexible tenure up to 15 years.
Quick & Secure
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Better Decisions
Understand your financial health
More Opportunities
Access better loans, credit cards and more
Fast Digital Sanction
Max Loan Amount
Up to ₹10.50 Cr
Interest Rate
From 8.25% p.a.
Approval Speed
Within 72 Hours
Tenure
Up to 15 Years
Trusted by 50+ leading banks and housing finance partners
Trusted by 50+ leading banks and housing finance partnersHDFC BankICICI BankKotak Mahindra BankState Bank of IndiaIDFC FIRST BankHSBCFederal BankSouth Indian BankRBL Bank
Property loan at a glance
Pledge your property equity without losing ownership. High-value funding with minimal documentation and fast verification.
Loan amountUp to ₹10.50 Crore
Interest rateFrom 8.25% p.a.
Processing fee0.35% to 3.54%
TenureUp to 15 years
Approval timeWithin 72 hours*
₹1,500+ Cr
Property equity unlocked
50+
Top lending partners
72 Hours
Average sanction timeline
4.8
Customer satisfaction rating
Compare Lenders
Find the best property loan offers
Compare verified interest rates, loan amounts up to ₹10.5 Cr, and tenure from India's leading banks and NBFCs.
Sort by:
LenderInterest rate (p.a.)Max amountMax tenureProcessing fee
8.25% – 12.80% p.a.
Up to ₹7.5 Cr
Up to 15 years
0.50%
9.15% – 10.25% p.a.
Up to ₹7.5 Cr
Up to 20 years
Up to 1.00%
9.50% – 11.00% p.a.
Up to ₹10 Cr
Up to 15 years
0.50% – 1.00%
9.50% – 12.00% p.a.
Up to ₹10 Cr
Up to 15 years
Up to 1.00%
9.75% – 14.00% p.a.
Up to ₹10.5 Cr
Up to 20 years
Up to 1.50%
10.10% – 11.65% p.a.
Up to ₹10.5 Cr
Up to 15 years
0.35% onwards
10.10% – 14.50% p.a.
Up to ₹7.5 Cr
Up to 15 years
Up to 1.50%
10.25% – 13.50% p.a.
Up to ₹10 Cr
Up to 15 years
Up to 1.00%
10.40% – 12.75% p.a.
Up to ₹10 Cr
Up to 15 years
0.75%
10.60% – 12.25% p.a.
Up to ₹10 Cr
Up to 15 years
0.50% – 2.00%
10.85% – 16.50% p.a.
Up to ₹10 Cr
Up to 15 years
Up to 1.00%
Max amountUp to ₹7.5 Cr
Tenure15 years
Fee0.50%
Max amountUp to ₹7.5 Cr
Tenure20 years
FeeUp to 1.00%
Max amountUp to ₹10 Cr
Tenure15 years
Fee0.50% – 1.00%
Max amountUp to ₹10 Cr
Tenure15 years
FeeUp to 1.00%
Max amountUp to ₹10.5 Cr
Tenure20 years
FeeUp to 1.50%
Max amountUp to ₹10.5 Cr
Tenure15 years
Fee0.35% onwards
Max amountUp to ₹7.5 Cr
Tenure15 years
FeeUp to 1.50%
Max amountUp to ₹10 Cr
Tenure15 years
FeeUp to 1.00%
Max amountUp to ₹10 Cr
Tenure15 years
Fee0.75%
Max amountUp to ₹10 Cr
Tenure15 years
Fee0.50% – 2.00%
Max amountUp to ₹10 Cr
Tenure15 years
FeeUp to 1.00%
Rates, amounts and tenure are as published by lenders and verified. Your final offer depends on property valuation, title search, and your financial profile.
View all partner lendersEMI Calculator
Plan your Property Loan EMI
₹5,00,000₹10,50,00,000
12 months180 months
8%20%
Your EMI calculation
Principal amount
₹50,00,000Total interest
₹27,63,853Monthly EMI
₹64,699
Total payable
₹77,63,853
Loan Purposes
Unlock property equity for any life goal
A Loan Against Property carries zero end-use restrictions, allowing you to deploy capital wherever needed.
Business Expansion
Infuse working capital, purchase commercial inventory, open new outlets, or acquire business machinery without selling assets.
Higher Education
Fund overseas education, premier university tuition, and living expenses for your children with comfortable 15-year repayment tenures.
Debt Consolidation
Replace multiple high-interest personal loans and credit card debts (18% - 36%) with a single low-interest property loan (8.25% onwards).
Wedding & Celebrations
Host family milestones and grand celebrations without liquidating fixed deposits or long-term investments.
Medical Emergencies
Access immediate large-ticket liquidity for critical healthcare treatments and specialized surgical procedures.
Home Renovation
Upgrade, remodel, or expand your existing residential or commercial property with tax benefits and high funding limits.
Eligible Collateral
Eligible Property Types for LAP
Lenders accept a wide spectrum of clear-title freehold and leasehold properties as collateral to structure your financing.
LTV: Up to 70%
Residential Property
Self-occupied, vacant, or rented residential properties with clear title deeds.
Accepted Assets
Apartments & FlatsIndependent HousesGated VillasBuilder Floors with OC
LTV: Up to 65%
Commercial Property
Commercial establishments with municipal approval and commercial electricity meters.
Accepted Assets
Corporate Office SpacesRetail ShopsCommercial ComplexesLogistics Warehouses
LTV: Up to 60%
Industrial Property
Designated industrial plots and manufacturing buildings within approved zones.
Accepted Assets
Manufacturing UnitsIndustrial ShedsProcessing FactoriesApproved Workshops
LTV: Up to 50%
Approved Plots & Land
Freehold and approved land parcels situated within municipal development limits.
Accepted Assets
Residential Gated PlotsCommercial Land ParcelsMixed-Use LandAuthority Allotted Plots
Loan Variants
Property Loan Variants
Choose the loan structure best matched to your cash flows and business requirements.
Most Flexible
Flexi Hybrid Loan
Borrow and repay within an approved credit limit. Pay interest-only EMIs during the initial tenor with unlimited withdrawals.
- Interest-only EMIs during the initial tenure
- Unlimited withdrawals within sanctioned limit
- Zero part-prepayment or foreclosure penalty
- Pay interest strictly on funds you utilize
✓Best for: Fluctuating business cash flows
Pay-As-You-Use
Flexi Term Loan
Credit line flexibility with EMIs covering both principal and interest. Withdraw funds as your projects require.
- Multiple drawdowns from sanctioned credit limit
- Fixed EMIs calculated only on utilized amount
- Zero part-prepayment charges on surplus returns
- Reduce principal anytime to lower interest costs
✓Best for: Phased projects & staged renovation
Fixed EMI Plan
Regular Term Loan
Traditional one-time loan disbursal with fixed, predictable monthly EMIs spanning your chosen 15-to-20-year repayment schedule.
- 100% upfront disbursal into your bank account
- Predictable fixed monthly principal & interest EMIs
- Extended tenures up to 20 years for lower EMIs
- Zero penalty on floating rate loans for individuals
✓Best for: One-time large capital expenditures
Why PaisaOne
Why borrowers choose PaisaOne for LAP
Fast 72-Hour Sanction
Our streamlined digital document verification and legal check expedite sanctions within 72 hours of inspection.
Retain Full Ownership
Continue occupying or renting your property freely. The lender holds title documents solely as collateral security.
Zero Hidden Charges
Complete transparency with all processing fees, valuation costs, and stamp duty disclosures upfront in your KFS.
Eligibility Criteria
Is your property eligible for a loan?
Age Limit21 to 65 years at loan maturity
Minimum Monthly Net Income₹40,000 per month
Work ExperienceMinimum 2 years total, 1 year in current job
Credit Score650+ preferred for best interest rates
Property OwnershipClear marketable title with approved plan
Required Documentation
Documents checklist for swift approval
Identity & Address Proof
PAN Card, Aadhaar Card, Passport, or Voter ID for all applicants and co-owners.
Income Documents (Salaried)
Latest 3 months salary slips, 6 months bank statements, and Form 16 for 2 years.
Business & Financials (Self-Employed)
Last 2 years audited P&L, balance sheets, computation of income, and 12-month current account statements.
Property Ownership Papers
Registered sale deed, chain deed, approved municipal plan, and latest tax paid receipts.
How It Works
Apply in 4 simple steps
- 1
Check Instant Eligibility
Provide basic details about yourself and your mortgaged property to view eligible sanction limits from 50+ lenders.
- 2
Compare & Select Lender
Compare interest rates, processing fees, and LTV ratios side-by-side to choose the most cost-effective offer.
- 3
Property Valuation & Legal Check
Our partner bank's empanelled valuers and legal advocates complete a hassle-free inspection and title search.
- 4
Loan Sanction & Disbursal
Sign the loan agreement digitally, submit title deeds into safe custody, and receive funds directly in your bank account.
Rates & Charges
Property Loan rates and charges at a glance
All charges are disclosed transparently in strict compliance with RBI Fair Practice Code guidelines.
Fee typeApplicable charges
Interest Rate (Floating)8.25% – 14.50% p.a.
Interest Rate (Fixed)9.50% – 16.00% p.a.
Processing Fee0.35% – 1.50% of loan amount + GST
Property Legal & Valuation FeeAt actuals (₹5,000 – ₹15,000 approx.)
Foreclosure / Prepayment ChargesNIL on floating rate loans for individuals
Mandate Bounce Charges₹500 + GST per occurrence
Representative example
Loan amount₹1,00,000
Interest rate15% per annum
Tenure12 months
Processing fee (incl. GST)₹200
Monthly EMI₹9,026
APR15.4%
Total payable₹1,08,510
The PaisaOne Difference
Loan Against Property vs Personal Loan
PaisaOneRecommended
8.25% – 14.50% p.a. (Secured LAP)
Up to ₹10.50 Crore based on valuation
Up to 15 – 20 years (Comfortable low EMI)
NIL penalty on floating rate loans
Single lender directly
11.50% – 24.00% p.a. (Unsecured)
Up to ₹40 – ₹50 Lakhs limit
Up to 5 years (Higher monthly EMI)
Up to 3% - 5% on balance
Single lender directly
Interest Rate
Max Loan Amount
Repayment Tenure
Prepayment Penalty
PaisaOneRecommended
8.25% – 14.50% p.a. (Secured LAP)
Up to ₹10.50 Crore based on valuation
Up to 15 – 20 years (Comfortable low EMI)
NIL penalty on floating rate loans
11.50% – 24.00% p.a. (Unsecured)
Up to ₹40 – ₹50 Lakhs limit
Up to 5 years (Higher monthly EMI)
Up to 3% - 5% on balance
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Borrowers who unlocked property equity
Discover how business owners, entrepreneurs, and families secured maximum loan value at lowest interest rates.
50,000+Happy Customers
4.8/5Average Rating
90%Would Recommend
4.9 Star Verified Reviews
Frequently Asked
Property Loan questions, answered.
Find quick answers to common questions about eligibility, interest rates, property valuation, and sanction timelines.
01What is a Loan Against Property (LAP)?
01What is a Loan Against Property (LAP)?
A Loan Against Property is a secured loan where you pledge residential, commercial, or industrial property as collateral to borrow funds. You retain ownership and full usage of the property while accessing high loan limits at lower interest rates.
02How much loan amount can I get against my property?
02How much loan amount can I get against my property?
Lenders typically provide between 50% and 70% of the property's market valuation (Loan-to-Value or LTV ratio), depending on whether the property is residential (up to 70%), commercial (up to 65%), or industrial (up to 60%). Maximum loan amounts can reach up to ₹10.50 Crores.
03Can I apply for a loan against commercial or rented property?
03Can I apply for a loan against commercial or rented property?
Yes, self-occupied, vacant, or rented commercial properties (such as office spaces, retail shops, and warehouses) are fully eligible for a property loan.
04What is the typical tenure for a Property Loan?
04What is the typical tenure for a Property Loan?
Property loan tenures typically range from 3 years up to 15 years (and up to 20 years with select lenders like Axis Bank and Bajaj Finserv), giving you ample time to repay with manageable EMIs.
05Are there any prepayment or foreclosure charges on LAP?
05Are there any prepayment or foreclosure charges on LAP?
In accordance with RBI directives, floating rate property loans sanctioned to individual borrowers carry zero prepayment or foreclosure penalties.
06Can co-owners apply together as co-applicants?
06Can co-owners apply together as co-applicants?
Yes. In fact, all co-owners of the mortgaged property must be co-applicants on the loan. Adding earning co-applicants also increases your overall loan eligibility.
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