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Loan Against Property

Use the value of your property and get a large loan — for business expansion, personal needs or anything. Lowest rates, highest amount.

LAP

Why Take a Loan Against Property?

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    Large Loan Amount: Up to ₹10 Crore — 60-75% of property value
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    Lowest Rate: Being a secured loan, lowest rates from 9%
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    Long Tenure: Up to 20 years — smaller EMI
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    Any Purpose: Business, medical, wedding, education — no restriction
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    Keep Using Property: You can continue using your property during the loan
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    Balance Transfer: Transfer existing LAP at a better rate too
LOAN AMOUNT
Up to ₹10 Crore
INTEREST RATE
From 9% p.a.
MAX TENURE
Up to 20 Years
Eligible Properties

Which Properties Are Eligible?

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Residential Property

Home, flat, bungalow, row house — loan available on any residential property.

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Commercial Property

Office, shop, showroom, warehouse or any commercial space.

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Industrial Property

Factory, industrial shed, manufacturing unit — LAP available on industrial property too.

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Under Construction

Loan possible on under construction property too — with specific conditions.

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Plot / Land

Loan Against Property also available on residential or commercial plots.

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Rented Property

Loan available on rented property too — rental income also counted as income.

Rates

LAP Interest Rates

Bank / NBFCInterest RateLTV RatioMax AmountTenure
SBI9.15% – 11%Up to 65%₹7.5 Cr15 Years
HDFC Bank9.5% – 11.5%Up to 60%₹10 Cr20 Years
ICICI Bank9.85% – 11%Up to 65%₹10 Cr15 Years
Axis Bank10.5% – 13%Up to 60%₹5 Cr20 Years
Bajaj Finance9% – 14%Up to 75%₹5 Cr18 Years
Calculator

LAP EMI Calculator

Loan Amount ₹50 Lakh
Interest Rate 9.5%
Loan Tenure 15 Years
Apply for LAP →
MONTHLY EMI
₹52,212
Principal₹50,00,000
Total Interest₹43,98,160
Total Payable₹93,98,160
Requirements

Eligibility & Documents

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Eligibility

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    Age: 21 – 70 Years
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    Salaried / Self-Employed / Business Owner
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    CIBIL Score 650+
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    Clear property title (No dispute)
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    Property should be in approved municipal area
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Documents

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    Aadhar Card + PAN Card
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    Property documents (Sale deed, Title deed, etc.)
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    Last 3 year ITR + Financial statements
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    Last 12 month bank statement
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    Property valuation report

Want a Loan Against Property?

Get the best LAP deal with ISK Finance & Realty — up to ₹10 Crore, from 9% p.a.

📋 Free Property Valuation 📞 88664 14193