Loan Against Property — unlock your property's trapped capital.
Borrow against residential, commercial or industrial property — without selling the asset or giving up possession. Total end-use flexibility: expansion, working capital, debt consolidation, education or contingencies.
How much can you borrow?
The loan amount is a percentage of your property's appraised value — the Loan-to-Value (LTV) ratio. Under RBI guidelines, banks cap LTV at 75% for loans up to ₹75 Lakh and 65% above that; NBFCs generally work within a 55–75% bracket.
Lenders apply the LTV to the lower of market price or their surveyor's technical valuation — which is where most applicants lose 20–30% of expected sanction. We pre-empt that before the file goes in.
Interest rates in 2026
Representative bands as of mid-2026 — final pricing depends on your profile and the asset.
Public Sector Banks
Tier-1 Private Banks
NBFCs & Housing Finance
Why LAP applications fail — beyond a low credit score
Unreleased title encumbrances
Old, fully-repaid mortgages that were never formally released still show on the Encumbrance Certificate — stalling files by 3–6 weeks. Pull a 30-year EC before applying.
Deviations from sanctioned plans
Unapproved mezzanines or floor additions get valued out — surveyors count only the as-sanctioned area, cutting mortgageable value by up to 40% on older industrial assets.
Existing debt eating your FOIR
Lenders cap total EMIs at 50–55% of net income. Retiring high-interest unsecured loans before applying can expand your sanction by 20–30%.
Documents required
Incomplete files cause most multi-week delays. We prepare the complete suite upfront, the way credit teams want it.
KYC & identity
- Aadhaar & PAN card
- Passport / Voter ID / Driving licence
Financials
- 3 yrs ITR + CA-certified P&L / balance sheets
- GST returns & trade licence
- 12 months' bank statements
- Salaried: 3 months' slips + Form 16
Property papers
- Registered sale deed & title chain
- Sanctioned plan + occupancy certificate
- Encumbrance Certificate (13–30 yrs)
- Up-to-date property tax receipts
Frequently Asked Questions
Everything you need to know about securing a Loan Against Property — Rates, Eligibility & Maximum Funding with CreditCares.
A Loan Against Property — Rates, Eligibility & Maximum Funding is a specialized financial facility designed to provide immediate capital for business expansion, working capital, or asset purchase.
Real Case Study: A Kolkata-based clinic recently used a ₹50 Lakh Loan Against Property — Rates, Eligibility & Maximum Funding through CreditCares to upgrade their equipment, securing the funds in just 4 days at 11.5% interest.
Check your Loan Against Property — Rates, Eligibility & Maximum Funding eligibility now →
To qualify for a Loan Against Property — Rates, Eligibility & Maximum Funding, lenders look for absolute stability. You need:
- CIBIL Score: 650 or higher (Strict requirement for unsecured).
- Vintage: Minimum 2–3 years in the current business.
- Turnover: Minimum ₹40 Lakhs annual turnover.
Documents needed: 12 months bank statements, 2 years ITR with computation, GST returns, KYC, and Business Registration.
Interest rates are strictly tied to your CIBIL score and financial health. We negotiate directly with 80+ lenders to secure the lowest bracket.
| Facility Type | Interest Rate (p.a.) | Tenure |
|---|---|---|
| Unsecured Loan Against Property — Rates, Eligibility & Maximum Funding | 14.5% – 18.0% | 12 – 48 Months |
| Secured (with Property) | 9.5% – 12.0% | Up to 15 Years |
We do the heavy lifting so you can focus on your business.
- Evaluation: A named advisory desk expert analyzes your bank statements.
- File Preparation: We structure your application to highlight your strengths.
- Sanction: We submit to the right lender. Approval takes 24–48 hours.
- Disbursal: Funds are credited to your account within 3–7 days.
Zero upfront fees. We are compensated directly by our 80+ partner banks and NBFCs upon successful disbursal, or we charge a transparent success fee only after the loan is sanctioned.
We are legally bound to act in your best interest to secure the maximum amount at the lowest possible rate.
Tell us what you need. We'll do the running around.
Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.