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A Loan Against Property lets you raise funds against a residential, commercial or industrial property you already own, while continuing to use it. Because the facility is secured, lenders can typically consider larger amounts and longer tenures than unsecured funding.
What this facility gives you.
Higher ticket sizes
Security allows lenders to consider substantially larger amounts than an unsecured facility of the same profile.
Longer repayment tenures
Longer tenures spread the obligation out, which keeps the monthly outflow manageable.
You keep using the property
The property continues to be occupied or rented out as usual; it is mortgaged, not surrendered.
Who it suits
- Business owners raising a larger amount than unsecured funding allows
- Self-employed professionals with property in their own or family name
- Salaried owners of a residential or commercial property
- Consolidating higher-cost obligations into one secured facility
Documents usually required
- KYC of all applicants and property owners
- Complete property documents, including the chain of title deeds
- Latest property tax receipt, approved plan and occupancy proof where applicable
- Income proof – ITRs and financials, or salary slips and Form 16
- Last 6–12 months bank statements
The final checklist depends on the lender, your constitution type and the facility structure.
How Loan Against Property is typically structured.
Indicative only. Every lender applies its own policy, and your sanctioned terms come from the lender assessing your case.
| Type of facility | Term Loan or Dropline Overdraft against property |
|---|---|
| Security | Mortgage of residential, commercial or industrial property |
| Indicative loan to value | Typically 50% to 70% of assessed market value |
| Indicative tenure | Up to 15 years, lender and profile dependent |
| Assessment basis | Property valuation, legal clearance and repayment capacity |
Frequently asked.
What kinds of property are considered?
Self-occupied or rented residential, commercial and in some cases industrial property. The property must have a clear, marketable title and complete documentation – that is usually what decides the case, not the property type alone.
How is the loan amount arrived at?
Two limits apply together: a percentage of the lender's own assessed value of the property, and what your income supports as repayment. The lower of the two is what a lender will consider.
Can a property held jointly be offered?
Yes. All owners of the property normally have to join the application as applicants or co-applicants.
Other loan solutions.
Business Loan
A Business Loan helps you fund expansion, inventory, equipment, hiring or any other legitimate business requirement.
Learn more →Overdraft
An Overdraft gives your business a sanctioned limit it can draw from as needed.
Learn more →Term Loan
A Term Loan is a fixed amount disbursed upfront and repaid over an agreed tenure through regular instalments.
Learn more →Considering Loan Against Property?
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