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Loan Against Property — Unlock Your Property Value at 9.50% p.a.

Get high-value loans by pledging your residential or commercial property. Ideal for business expansion, debt consolidation, or large expenses. Up to ₹10 Crore at lower rates than personal loans.

📉 Interest from 9.50% p.a.
💰 Up to ₹10 Crore
📅 Tenure Up to 20 Years
⚡ Approval 24–48 Hours
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25+
Bank Partners
9.50% p.a.
Starting Interest Rate
₹500Cr+
Loans Disbursed
10,000+
Happy Customers
24 hrs
Avg Approval Time
Why Choose CredBazar

Loan Against Property — Key Features

🏗️
Residential & Commercial
Both residential and commercial properties accepted as collateral. Plot, flat, office, shop — all eligible.
💰
Higher Loan Amounts
Access to much larger loan amounts compared to personal loans — ideal for major business or personal needs.
📉
Lower Interest Than Personal Loans
Secured nature means LAP rates (9.5%–11%) are significantly lower than personal loan rates (11%–24%).
📅
Longer Tenure
Repayment tenure up to 20 years keeps your EMI low even for large loan amounts.
🔄
Balance Transfer
Transfer your existing LAP to a lower rate lender and save significantly on interest.
💳
Overdraft Option
Get an overdraft facility against your property — draw funds as needed and pay interest only on usage.
We Partner With India's Best Banks & NBFCs
HDFC Bank
ICICI Bank
Axis Bank
Kotak Bank
Bajaj Finserv
Tata Capital
RBL Bank
IDFC First
Federal Bank
IndusInd Bank
+15 More
FAQ

Frequently Asked Questions

❓ How much loan can I get against my property?
Typically 50%–75% of the property's market value (called LTV — Loan to Value ratio). A property worth ₹1 Crore can yield ₹50–75 Lakhs as LAP.
❓ What types of properties are accepted?
Residential flats, independent houses, commercial shops, offices, and industrial property. Self-occupied or rented — both accepted.
❓ Can I get LAP if my property has an existing loan?
Yes — if the existing loan balance is low and the property has sufficient equity, you may qualify for a top-up LAP.
❓ What is the difference between LAP and home loan?
Home loan is for purchasing a property. LAP is for leveraging an existing property you already own to get funds for any purpose.
❓ How long does LAP approval take?
Due to property valuation and legal verification, LAP takes 7–15 days for final approval — longer than personal loans but faster than home loans.
❓ Is rental income considered for LAP eligibility?
Yes — rental income from the mortgaged property or other properties is considered in income calculation for LAP eligibility.

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