PURPOSE
Meet a planned personal or business funding need
Explore funding using eligible property
Loan Against Property
Unlock the value of your property.
Loan Against Property allows eligible property owners to raise funds by offering residential or commercial property as collateral.
Options and eligibility are subject to lender assessment and terms.
WHO IT MAY SUIT
Salaried property owners
GET PREPARED
8 document types to review
What could this help with?
Common needs to discuss with a lender.
- Meet a planned personal or business funding need
- Support eligible business or working-capital requirements
- Plan a larger expense with a defined repayment schedule
Keep your plan specific
Estimate the amount you need and the repayment that fits your monthly budget before comparing offers.
Who may be eligible?
These are common applicant profiles, not an approval guarantee.
- Salaried property owners
- Self-employed property owners
- Business owners
- Owners of eligible residential property
- Owners of eligible commercial property
- Applicants meeting legal, income and property verification criteria
Each bank or financial institution sets its own age, income, credit, property and documentation criteria.
Prepare your documents
Use this checklist to get organized before applying.
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Before you apply
A few details worth checking early.
- The property is offered as collateral and may be at risk if repayments are not made.
- Property title, valuation, ownership and legal checks are part of lender assessment.
- Understand the consequences of default and every charge before proceeding.
Compare the full offer
Review the interest method, fees, repayment conditions, security and any early-payment charges in the lender's current documents.
QUICK ESTIMATE
Plan a monthly repayment
Try different amounts and terms to explore an illustrative reducing-balance EMI.
Enter a positive amount, an interest rate from 0% to 60%, and a term from 0.5 to 40 years.
ILLUSTRATIVE MONTHLY EMI
Principal₹0
Estimated interest₹0
Total repayment₹0
Estimate only; actual lender rates, fees, repayment schedules and terms may differ.
Questions to help you decide
Practical answers to get you started.
Can I continue to use the property?
In many arrangements the owner continues to occupy or use the property, but it is pledged as security. Confirm the specific lender terms.
How is the eligible amount decided?
The lender considers property valuation, legal checks, applicant income, existing obligations and its own product policy.
What happens if I cannot repay?
Because the property secures the borrowing, default can lead to enforcement action and possible loss of the property. Seek clarification on remedies and support options before accepting.
Funding partners
Institutions shown for this product. Availability and offers may vary.
KOTAK MAHINDRA BANK
HDFC BANK LTD
BAJAJ FINANCE LTD
ICICI BANK LTD
BAJAJ FINSERVE LTD
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD
TATA CAPITAL FINANCIAL SERVICES LTD
Information on this page is general and for illustration only. It is not an offer, sanction or financial advice. Eligibility, interest, charges, security, documentation and final terms are determined by the relevant lender and may change.