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 Against Property
Interest rate
9.25% p.a. onwards
Loan amount
Up to ₹10 Cr
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
Indicative ranges compiled by QCred — click a lender for full details, fees and FAQs.
| Lender | Interest rate | Processing fee | Max amount | Tenure |
|---|---|---|---|---|
| HDFC Bank | 9.50% – 11% p.a. | Up to 1% | ₹10 Cr | Up to 15 years |
| State Bank of India | 10.00% – 11.30% p.a. | 1% (capped) | ₹7.5 Cr | Up to 15 years |
| ICICI Bank | 9.75% – 11.50% p.a. | Up to 1% | ₹10 Cr | Up to 15 years |
| Axis Bank | 9.90% – 11.75% p.a. | Up to 1% | ₹5 Cr+ | Up to 20 years |
| Kotak Mahindra Bank | 9.60% – 11.25% p.a. | Up to 1% | ₹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 |
| IDFC FIRST Bank | 9.95% – 12% p.a. | Up to 1.5% | ₹7 Cr | Up to 20 years |
| Tata Capital | 10.10% – 13% p.a. | Up to 1.25% | ₹5 Cr | Up to 20 years |
| Bajaj Finserv | 9.85% – 14% p.a. | Up to 1.18% | ₹15 Cr (via BHFL) | Up to 18 years |
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.