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Loan Against Property

Unlock the value of a property you already own.

A loan against property (LAP) is secured by a residential or commercial property you own. Because it's secured, it usually allows larger amounts and longer terms than an unsecured loan — and you keep using the property.

  • Larger amounts

    Borrow against the market value of your property.

  • Keep using it

    Live in it, run your business from it or rent it out.

  • Longer terms

    Repay over many years to keep EMIs low.

Interest Rates, Processing Fees & Other Charges

Interest rate
9%–14% per annum
Subject to lender approval, property valuation and eligibility.
Processing fee
0.5% to 2%
Of the loan amount, plus GST, depending on the lender and loan terms.
  • Other charges: Additional applicable charges, if any, will be disclosed by the concerned bank/NBFC before loan acceptance.
  • Eligibility: Approval, interest rates and charges depend on the lender’s policies and the applicant’s eligibility.

Disclaimer: MONEYYHEIGHT facilitates access to loan against property options. The final loan terms, interest rate, processing fee and other applicable charges are determined by the concerned lender. Loan approval is not guaranteed.

How it works

  1. 01

    Tell us what you need

    A minute on the form — no documents yet.

  2. 02

    We call you back

    An advisor checks your eligibility and explains your options.

  3. 03

    Apply with the right lender

    We help with the paperwork and follow it to disbursal.

Who can apply

  • Owners of residential, commercial or industrial property
  • Salaried or self-employed, with a regular income
  • Property with a clear title

Documents you'll need

  • PAN and Aadhaar
  • Income proof — salary slips or ITRs
  • Bank statements for 6–12 months
  • Property title documents

Questions people ask

What can I use the money for?

Business needs, education, medical costs, a wedding or consolidating debt — almost anything lawful.

What if I miss payments?

The property is security for the loan, so it's important to borrow what you can comfortably repay. Your advisor will help you size the loan.

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