Loans · Property

Borrow against what you already own

A property you own can support a materially cheaper loan than an unsecured one, over a much longer term. The trade is that the property is genuinely at risk if you do not repay.

Check your LAP eligibility Call +91 88067 78771

Lower rate than unsecured Longer tenure End use largely unrestricted

How it works

What a lender will lend

Lenders typically advance a percentage of the property’s market value — commonly 50–70%, lower for commercial and industrial than for residential. That percentage is the loan-to-value ratio, and it is set by the lender’s own valuer, not by what you paid or what a neighbour sold for.

Repayment capacity still matters. A valuable property does not by itself get you a loan if the EMI would exceed what your income supports.

Residential, commercial or industrial property
Tenure commonly up to 15 years, sometimes longer
End use generally unrestricted — business, education, medical, consolidation
Clear, marketable title is the requirement that most often causes delay

Say it plainly

This puts the property at risk

A secured loan is cheaper precisely because the lender can take the security. If repayment fails, the property can be attached and sold under the SARFAESI process, and that process moves faster than most borrowers expect.

Which makes this the wrong instrument for a speculative purpose and a reasonable one for a defined, productive need where the repayment source is genuinely visible.

FAQ

Questions people actually ask

How long does it take?

Two to four weeks typically. Valuation and legal title verification are the slow parts and cannot be compressed. Anyone promising a property-backed loan in 48 hours is describing a different product.

What documents are needed?

The complete title chain, the latest tax receipts, approved building plan, income proof and KYC. A gap in the title chain is the single most common cause of a stalled application, so it is worth checking before you apply.

Can I borrow against a property that already has a home loan?

Sometimes — as a top-up with the existing lender, or as a second charge, which fewer lenders will do. The existing loan reduces what is available.

Is the interest tax deductible?

It can be, where the funds are used for business purposes or for buying another property — but not automatically, and the treatment depends on the use. Confirm with a tax professional rather than assuming.

Check eligibility without applying

No formal application, no mark on your credit report.

Check your LAP eligibility Call +91 88067 78771

Application forms are being finalised. Until they are live, call or email us and we will start your application directly.