Unlock the capital sitting in your property
Residential, commercial or industrial — mortgage your property and raise large, low-cost funds without selling what you've built.
Loan amount
Up to ₹10 Cr
Interest rate
9.25% p.a. onwards
Tenure
Up to 15 years
LTV
Up to 70% of value
Why apply through QCred
Much cheaper than unsecured credit
LAP rates run 5–10% below personal and business loan rates because the property secures the lender. Same money, far less interest.
Any legitimate purpose
Business expansion, education abroad, debt consolidation, medical needs — lenders don't restrict end-use the way home loans do.
Keep using your property
You continue living in or renting out the property. Only the title documents are held by the lender.
Long tenures, light EMIs
Spread repayment across up to 15 years so a large loan stays comfortable on monthly cash flow.
Find your best loan against property offers
It takes 2 minutes. This will not affect your credit score.
Compare loan against property rates across top lenders
Nationalized banks, private banks and NBFCs — indicative ranges compiled by QCred. Click a lender for full details, fees and FAQs.
Top Nationalized Banks for Loan Against Property
| Lender | Interest rate | Processing fee | Max amount | Tenure |
|---|---|---|---|---|
| State Bank of India | 10.00% – 11.30% p.a. | 1% (capped) | ₹7.5 Cr | Up to 15 years |
| Punjab National Bank | 10.10% – 12% p.a. | 0.75% – 1% | ₹5 Cr | Up to 15 years |
| Bank of Baroda | 9.85% – 11.60% p.a. | Up to 1% | ₹5 Cr | Up to 15 years |
Loan Against Property across India's top cities
Get an instant loan against property across the nation at the lowest interest rate — one QCred advisor, wherever you are.
QCred
The simple, quick steps to your loan against property
Step 01
Eligibility
Tell us your requirement — 2 minutes, a few basics, zero credit-score impact.
Step 02
Compare
We shortlist the banks and NBFCs most likely to approve your profile at the best rate.
Step 03
Apply
One digital application — your advisor packages and submits the file for you.
Step 04
Disbursement
Sanction to money-in-account, tracked at every step and kept moving.
Eligibility
- Age
- 21 – 70 years
- Property
- Residential / commercial / industrial, clear title
- Income
- Sufficient to service EMI (salaried or business)
- Credit score
- 650+ recommended
Documents
- PAN and Aadhaar
- Income proof (ITR / salary slips)
- Complete property document chain
- Last 6 months' bank statements
Rates & charges
- Interest rate
- 9.25% – 14% p.a.
- Processing fee
- 0.5% – 1.5%
- Valuation & legal
- ₹5,000 – ₹15,000 (actuals)
Indicative ranges across partner lenders; your offer depends on profile and lender policy.
Loan Against Property FAQs
How much can I borrow against my property?
Typically 50–70% of the property's current market value, capped by your repayment capacity. Commercial properties usually get a slightly lower LTV than residential.
Can I take LAP on a property that already has a home loan?
Yes — via a top-up on the existing loan or a takeover by another lender who refinances the old loan and extends extra funds against your equity.
Get your loan against property moving today
Apply in two minutes or talk to an advisor first — either way, it costs you nothing.