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Your residential or commercial property holds more value than you think. Use it as collateral to access large funds at attractive interest rates — while continuing to use the property as usual.
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Apply for LAP through our online portal.
Get approved — applications are typically approved within 3 to 4 working days.
Start repaying your loan according to your schedule.
Maximise your asset's potential
Competitive interest rates
Versatile end-use flexibility
Applicant's Age: 21 to 65 years
Employment Status: Salaried professionals or self-employed individuals
Minimum Annual Income: At least ₹3 lakh per annum
Bank Account Statements: Statements from your primary account covering the last 3 months.
KYC Documents: PAN card and Aadhaar card of all applicants and co-applicants.
Proof of Address & Identity: Voter ID, utility bill, passport, or Aadhaar confirming residence and identity.
You can generally borrow up to 70% of the property's current market value, subject to a ceiling of ₹7 crore at most lenders. The actual amount depends on the lender's valuation and your overall credit profile.
Interest rates vary significantly between lenders, and even between applicants with the same lender. Key determinants include your credit score, the loan tenure, income stability, the type and location of the property, and current market rates.
The maximum repayment tenure for a Loan Against Property is 20 years. The actual tenure offered will depend on the borrower's age, income profile, and the lender's policy. Longer tenures reduce the monthly EMI but increase overall interest outflow.
Most lenders charge a processing fee of approximately 1% of the loan amount plus applicable service tax. This is typically deducted from the disbursed amount or paid upfront, depending on the lender's process.
To apply for a Loan Against Property, submit your application online through our website. We will review your application and contact you if any additional information is needed.
Applications are typically approved within 3 to 4 working days with minimal documentation.
For more information or to get started, please visit our website or contact us directly.
📞 1800 208 0000
Following are the key features and benefits of a loan against property:
Borrow up to 70% of the property's assessed market value.
Flexible repayment terms keep monthly instalments manageable and predictable.
Repayment tenure of up to 20 years gives you ample time to plan cashflows.
Your CIBIL score is one of the primary filters lenders use when assessing an LAP application. A score above 750 significantly improves your chances.
Incomplete or disputed property documents are a common reason for LAP delays. Ensure all relevant paperwork is in order.
Opting for a longer tenure reduces your monthly EMI, making it easier to qualify even if your income is moderate.
Bank Account Statements: Statements from your primary account covering the last 3 months.
KYC Documents: PAN card and Aadhaar card of all applicants and co-applicants.
Proof of Address & Identity: Voter ID, utility bill, passport, or Aadhaar confirming residence and identity.
Because LAP is a secured product, interest rates are considerably lower than personal loans or credit cards. Most banks and NBFCs offer LAP rates in the range of 8.5% to 16.5% per annum.
Approximately 1% of the sanctioned loan amount.
Varies by lender; typically 2.5% of outstanding principal. NIL for individual borrowers on floating-rate loans.
For more information or to get started, please visit our website or contact us directly.
📞 1800 208 0000
A Loan Against Property (LAP) is one of the most practical ways to access large funds at relatively low interest rates. Your residential or commercial property holds more value than you think. Use it as collateral to access large funds at attractive interest rates — while continuing to use the property as usual.
A Loan Against Property is a secured credit facility extended by banks and financial institutions, where an immovable asset — your home, office, or land — is pledged as collateral. The sanctioned amount is primarily determined by the property's current market valuation, though how the funds are ultimately spent is entirely up to you.
The mortgaged property remains in your possession and use throughout the loan tenure. It is only encumbered on paper until the loan is fully repaid. Because the loan is secured, lenders can offer significantly larger amounts and lower interest rates compared to unsecured products. Repayment terms are also more flexible, with tenures stretching up to two decades.
Meeting the eligibility requirements is essential before applying. The property must be registered in the applicant's name or in the name of a close family member who will serve as co-applicant.
| Criterion | Requirement |
|---|---|
| Applicant's Age | 21 to 65 years at the time of loan maturity |
| Employment Status | Salaried professionals or self-employed individuals |
| Minimum Annual Income | At least ₹3 lakh per annum |
| Work / Business Experience | 1 to 5 years of continuous employment or business operation |
| Minimum Credit Score | 750 or above strongly recommended |
| Maximum Repayment Tenure | Up to 20 years |
From loans to affordable interest rates, we have the answers for everything you need to know.
Having the following documents ready before you apply will make the process significantly faster and smoother.
Over 5 lakh people have already checked their credit score for free through CapitalBridge. Know your score before you apply for a LAP.
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