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LOAN PRODUCT 02

Loan Against Property (LAP)

ICICI Bank and Punjab National Bank (PNB) offer mortgage loans starting at 8.95%. You can get a Loan-to-Value (LTV) of 60% to 70% against residential or commercial freehold property, and a repayment tenure of up to 15 years keeps the EMI low.

Interest RateFrom 8.95% p.a.
Max AmountUp to ₹3 Cr

Apply for LAP

Unlock property liquidity at low ROI.

Check Eligibility Clear title verification

LAP EMI Calculator

₹25,00,000
15 Yrs
8.95%
Monthly EMI₹25,282
Total Interest₹20,50,825
Total Payable₹45,50,825

Top Mortgage Banks

BankRateProcessing FeeTenure
ICICI Bank8.95% - 9.90%Up to 1.00%15 Yrs
PNB9.10% - 10.25%0.50%15 Yrs
Axis Bank9.25% - 10.50%1.00%15 Yrs

Eligibility Criteria

  • Age: 23 to 68 years
  • Freehold constructed property (Residential or Commercial)
  • Min 3 years business vintage or stable salary
  • CIBIL Score: 700+

Required Documents

  • KYC (PAN & Aadhaar)
  • 12 Months Bank Account Statement
  • 3 Years Audited Financials & ITR with Balance Sheet
  • Property Title Deeds, Chain Documents & Mutation Copy