Higher Limit
Loan Against Property
Unlock the value of your property for bigger financial goals.
A Loan Against Property (LAP) lets you leverage your residential or commercial property to access larger loan amounts at lower interest rates compared to unsecured loans. Ideal for funding business expansion, education, medical needs, or debt consolidation.
Key Features
Loan amounts up to ₹5 crore or 60–70% of property value*
Lower interest rates vs. personal loans
Long tenure: up to 15 years
Property can continue to be used (no need to vacate)
Residential and commercial properties accepted
Part-disbursement available for construction loans
Overdraft facility option from select lenders
Tax benefit applicable under certain usage conditions
Eligibility Criteria
- Age: 21–60 years (salaried) / up to 65 years (self-employed)
- Property must be legally clear with valid title and registration
- Minimum income: ₹25,000/month (salaried) / ₹3 lakh p.a. (self-employed)
- CIBIL score: 650 and above strongly recommended
- Property should not be under dispute or litigation
Documents Required
✓PAN Card + Aadhaar
✓Income proof (salary slips / ITR)
✓Property title deed / chain documents
✓Encumbrance certificate
✓Approved building plan (if applicable)
✓Last 12-month bank statements
Ready to proceed?
Get a free callback from a Lending Hub advisor.
Apply NowCheck EligibilitySubmission does not guarantee approval. Actual eligibility determined by lender/insurer.