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Loan Against Property.
Up to ₹5 Crore · from 9%* p.a.

Unlock the value of your property. Competitive interest rates. Up to 20 years tenure. For business, education, marriage, expansion.

📉 9% p.a. starting🏠 Residential or commercial📅 Up to 20 years
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LAP · Quick Guide

Competitive rates.
Largest amounts.

LAP gives you the biggest loan at the lowest interest. Use your property to unlock capital for whatever you need.

📉

9% p.a. starting

Secured loans typically attract lower interest because they are backed by your property.

💰

Up to ₹5 Crore

Big amounts based on 50-70% of your property's market value.

📅

Up to 20 years

Long tenure means lower monthly EMI. Comfortable for any budget.

🎯

Any purpose

Business expansion, marriage, education, debt consolidation · your call.

Eligibility & Documents

Own a property?
You're eligible.

✓ Eligibility

  • Property owner aged 21 to 65 years
  • Residential or commercial property (self-owned)
  • Property in name of applicant/co-applicant
  • Property should be clear title (no disputes)
  • Income source: salaried, business, or rental

📄 Documents

  • Property papers (sale deed, allotment letter)
  • PAN, Aadhaar for KYC
  • Income proof (ITR last 2-3 years, salary slips)
  • Bank statements (last 6 months)
  • Property valuation (we arrange this)

Big capital, low EMI.
That's LAP.

Loan amounts up to ₹5 Crore. Interest rates start from around 9% p.a. and vary by lender, profile and property type.

Common Questions

LAP
questions.

How much loan can I get against my property?+
Typically 50-70% of your property's market value. Up to ₹5 Crore from our partners depending on property location, type, and your income.
What's the interest rate?+
LAP interest rates start at 9% p.a. and go up to 15% p.a. depending on credit profile, property type, and lender. Secured loans like LAP typically attract lower rates than unsecured products.
How long is the tenure?+
LAP tenure can go up to 20 years (depending on age and lender). Longer tenure = lower monthly EMI.
How long does approval take?+
LAP approval takes 5-7 working days because of property verification and legal checks. Disbursal happens within 7-14 days after approval.
Can I use the property while loan is active?+
Yes! You retain full ownership and use of the property. The lender only holds it as collateral. You can live in it, rent it out, or use for business · your call.
What if I default?+
Lender has right to take possession of property after due notice. Avoid this by paying EMIs on time. We help you understand all terms before signing.
compare LAP offers via Cx Loan

Your property =
your capital.

Compare LAP offers up to ₹5 Crore from 9% p.a.* Free advisor call.

⚡ Compare LAP offersUp to ₹5 Crore · From 9% p.a.*