MoneyMust

Loan Against Property Loans

Benchmark 72 products from 9 lenders. Unbiased interest rate bands and processing fee breakdowns.

MONEYAI
"Current market benchmark for Loan Against Property loans starts at 9%...."
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Showing 9 of 9 products

HDFC Bank

HDFC Loan Against Property

HDFC Bank

Starting Rate

9%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
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bajaj-finserv

Bajaj Finserv Loan Against Property

bajaj-finserv

Starting Rate

9%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
View Details
ICICI Bank

ICICI Loan Against Property

ICICI Bank

Starting Rate

9%

Proc. Fee

1.5%

Max Amount

₹1 Cr

Pros

Quick disbursal
Competitive interest rates

Cons

Requires high credit score
View Details
HDFC Bank

HDFC Bank Loan Against Property

HDFC Bank

4.4

"Strong choice when you need a large LAP against commercial property."

Starting Rate

9.5%

Proc. Fee

1%

Max Amount

₹10 Cr

Pros

High loan-to-value up to 65%
Doorstep documentation

Cons

Higher processing fee
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ICICI Bank

ICICI Bank Loan Against Property

ICICI Bank

4.3

"Useful for business owners who prefer an overdraft-style LAP facility."

Starting Rate

9.75%

Proc. Fee

1%

Max Amount

₹5 Cr

Pros

Overdraft variant available
Fast sanction for salaried

Cons

Requires 720+ credit score
View Details
bajaj-finserv

Bajaj Finserv Loan Against Property

bajaj-finserv

4.1

"Fast, flexible LAP for self-employed borrowers turned down by banks."

Starting Rate

9.75%

Proc. Fee

1%

Max Amount

₹5 Cr

Pros

Fastest sanction (72 hours)
Accepts 685 credit score

Cons

Higher foreclosure charges
View Details
Tata Capital

Tata Capital Loan Against Property

Tata Capital

4.0

"Balanced NBFC LAP with structured EMI options for lumpy incomes."

Starting Rate

10.1%

Proc. Fee

1.25%

Max Amount

₹3 Cr

Pros

Flexible EMI structures
Top-up facility

Cons

Lower maximum loan size
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Axis Bank

Axis Bank Loan Against Property

Axis Bank

4.2

"Good LAP option if a large share of your income is rental."

Starting Rate

10.5%

Proc. Fee

1%

Max Amount

₹5 Cr

Pros

Accepts rental income for eligibility
Balance transfer allowed

Cons

Rate on higher side for self-employed
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SBI

SBI Loan Against Property

SBI

4.5

"Best value LAP for salaried borrowers with clean residential titles."

Starting Rate

10.6%

Proc. Fee

1%

Max Amount

₹7.50 Cr

Pros

Lowest LAP rates among banks
Long 15-year tenure

Cons

Property valuation takes 7-10 days
View Details

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