Unlock High-Value Capital against Property up to ₹25 Crore
Leverage the true market value of your residential, commercial, or industrial property with extended 20-year tenures and lowest mortgage rates from 8.95% p.a.
- Funding up to 75% of Current Fair Market Value (Residential & Commercial)
- Extended Repayment Tenures up to 20 Years for Minimal Monthly EMI
- Continue Full Ownership, Occupancy & Usage of Your Pledged Property
Check LAP Eligibility
Compare 40+ Banks & HFCs · High LTV Sanctions
Transforming Real Estate Equity into Growth Capital
When is a Loan Against Property Your Best Choice?
Enjoy large capital limits with manageable low EMIs for high-impact financial objectives.
Large Business Expansion
Inject substantial funds into your company to acquire competitors, establish new manufacturing units, or buy heavy equipment.
High-Cost Debt Consolidation
Consolidate multiple high-interest short-term loans into a single affordable LAP EMI at half the interest rate.
Higher Education & Global Needs
Fund premier overseas university tuition and living costs for your children without selling your family heritage property.
Commercial Property Purchase
Use your existing residential equity to fund the down-payment or purchase of prime commercial office and retail spaces.
Compare Top LAP Interest Rates in India (2026)
Benchmark rates and maximum Loan-to-Value (LTV) across leading financial institutions.
| Bank / Institution | Interest Rate (p.a.) | Max LTV Ratio | Max Loan Tenure | Action |
|---|---|---|---|---|
State Bank of India (SBI)
SBI Loan Against Mortgage
|
8.95% - 10.25% | Up to 65% LTV | 15 Years | Apply Now |
HDFC Bank
Property Power Mortgage Loan
|
9.15% - 10.75% | Up to 70% LTV | 15 Years | Apply Now |
ICICI Bank
Quick LAP & Dropline OD
|
9.20% - 11.00% | Up to 70% LTV | 15 Years | Apply Now |
Godrej Capital
Flexible Repay LAP Facility
|
9.50% - 11.50% | Up to 75% LTV | 20 Years | Apply Now |
Tata Capital
Secured Enterprise LAP
|
9.60% - 11.75% | Up to 70% LTV | 15 Years | Apply Now |
LIC Housing Finance (LIC HFL)
Mortgage Loan Griha Shobha
|
9.25% - 10.50% | Up to 60% LTV | 15 Years | Apply Now |
Advantages of Choosing Finfly LAP Advisory
Maximizing property valuation while securing the lowest interest rates in the market.
High Ticket Limits
Sanction amounts from ₹25 Lakh up to ₹25 Crore based on residential, commercial, or industrial real estate.
Lowest Mortgage Rates
Interest rates nearly 40% cheaper than unsecured personal or business loans, keeping EMIs manageable.
Extended 20-Year Tenures
Longer repayment tenures significantly lower your monthly cash flow burden and boost loan eligibility.
Legal & Title Verification
Our dedicated real estate legal team sorts out property chain deeds, non-encumbrance certificates, and mutation papers.
Overdraft (OD) Facility Option
Choose an Overdraft structure where interest is charged only on the exact amount utilized, not the full sanctioned limit.
Continue Property Usage
You continue living in or renting out your property without any operational disruption throughout the loan tenure.
4 Simple Steps to Sanction Your LAP
Hassle-free documentation and dedicated legal appraisal assistance.
Share Property & Income Details
Provide basic property location, valuation estimate, and income profile on our encrypted portal.
Technical & Legal Valuation
Certified bank evaluators visit the property to conduct physical valuation and title search.
Compare Multi-Bank Sanctions
Choose from 40+ lender offers with the maximum LTV (up to 75%) and lowest processing charges.
Mortgage Registration & Disbursal
Complete simple mortgage registration (MODT), and funds are credited directly to your bank account.
Calculate Your Loan Against Property EMI
Estimate monthly repayments, total interest payable, and optimal tenure for your property loan.
Principal Amount
₹75,00,000Total Interest
₹63,99,357LAP Eligibility & Property Documents
Requirements for Residential and Commercial property owners.
Salaried & Business Applicants
- Age: 25 to 70 years at loan completion
- Income Profile: Salaried (₹40,000/mo) or Self-Employed with ₹5L+ net annual income
- Property Title: Clear freehold title free from legal encumbrance
- Credit Score: 700+ for best interest rate tiers
- Co-Owners: All legal co-owners of the property must be co-applicants
Income Proof Checklist
- KYC Documents: PAN Card, Aadhaar Card, Passport of all co-owners
- Salaried: Last 3 months payslips, 6 months bank statement, Form 16
- Self-Employed: Last 3 years CA-audited ITR, Balance Sheet & P&L
- Banking: Last 12 months primary operative current/savings statements
- Existing Loans: Repayment track records (SOA) of ongoing loans
Approved Real Estate Assets
- Residential: Self-occupied villas, apartments, builder floors
- Commercial: Fully constructed offices, retail shops, showrooms
- Industrial: Approved factory sheds and industrial plots (select lenders)
- Rented Properties: Eligible for Lease Rental Discounting (LRD)
- Approvals: Property must have municipal / development authority sanction
Legal Documents Required
- Title Deed: Original Registered Sale Deed, Conveyance Deed, or Gift Deed
- Chain of Title: Prior title deed chain for the past 13 to 30 years
- Sanctioned Plan: Approved blueprint map by local development authority
- Tax & Utility: Latest Paid Property Tax receipt and Electricity bill
- NOC: Occupancy Certificate (OC) or Society / Builder NOC
Success Stories of LAP Borrowers
See how entrepreneurs unlocked massive capital through real estate equity.
"We mortgaged our commercial office in Mumbai for a ₹4 Crore LAP to setup our second manufacturing unit. Finfly negotiated a 9.20% rate with HDFC. Exceptional service!"
"I had three high-cost unsecured business loans eating up my cashflow. Finfly consolidated everything into a single 15-year LAP with Godrej Capital, reducing monthly outgo by ₹1.8 Lakh."
"Finfly's legal team resolved a 10-year old chain document discrepancy that two banks had previously rejected. Got my ₹1.5 Crore loan sanctioned smoothly with SBI."
Frequently Asked Questions on LAP
Everything you need to know about property mortgage, LTV ratios, and tax treatment.
A Home Loan is taken strictly to purchase or construct a new residential property. A Loan Against Property (LAP) is taken by mortgaging an existing owned property, and the sanctioned funds can be used for any legitimate purpose (business expansion, education, debt consolidation, wedding, etc.).
Lenders sanction up to 65% to 75% of the market valuation for residential properties, up to 60% for commercial properties, and up to 50% for industrial real estate, subject to your repayment capacity and property title strength.
Yes! This is known as a Top-up Loan or Balance Transfer with LAP. If your property value has appreciated significantly or you have repaid a large portion of your principal, you can refinance and cash out additional equity.
Yes, fully constructed commercial offices, warehouses, and retail shops with approved plans are eligible. For properties with corporate tenants, you can also opt for Lease Rental Discounting (LRD) based on monthly rental cashflows.
Because LAP involves property title search and technical valuation, the standard processing turnaround is between 5 to 8 working days. Finfly speeds this up through pre-vetted legal empanelment.
Unlock the True Capital Power of Your Real Estate
Get highest LTV valuation and lowest mortgage rates with expert legal assistance.