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Loan Against Property

Unlock value from residential or commercial property.

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About Loan Against Property

A loan against property lets you borrow against a residential or commercial property you own — a plot, house, apartment, villa or commercial unit — while continuing to use it.

The amount depends on the lender’s valuation of the property and the share of that value they will lend. You can use the funds for business, education, medical or other needs.

Estimate your EMI

Loan Against Property EMI

₹1,04,16,667
₹10 Lakh ₹25 Crore

Lenders typically lend up to about 60% of the value. This is an assumption, not a lender’s policy.

₹50,00,000
₹10 Lakh ₹10 Crore
10%
8% 16%
10 years
1 year 15 years

Your estimated EMI

₹66,075/month

  • Principal 63.1%
  • Interest 36.9%
Indicative maximum at 6% of value
₹62,00,000
Principal amount
₹50,00,000
Total interest
₹29,29,076
Total repayment
₹79,29,076
Assumed processing fee
₹50,000
Total cost incl. fee
₹79,79,076
Compare tenures
TenureEMITotal interest
5 years₹1,06,235₹13,74,117
8 years₹75,871₹22,83,590
10 years₹66,075₹29,29,076
12 years₹59,754₹36,04,552
15 years₹53,730₹46,71,506
Repayment schedule by year
YearPrincipalInterestBalance
Year 1₹3,06,705₹4,86,195₹46,93,295
Year 2₹3,38,821₹4,54,079₹43,54,475
Year 3₹3,74,299₹4,18,601₹39,80,175
Year 4₹4,13,494₹3,79,406₹35,66,682
Year 5₹4,56,792₹3,36,108₹31,09,890
Year 6₹5,04,624₹2,88,276₹26,05,266
Year 7₹5,57,464₹2,35,436₹20,47,802
Year 8₹6,15,838₹1,77,062₹14,31,964
Year 9₹6,80,325₹1,12,575₹7,51,639
Year 10₹7,51,639₹41,337₹0
  • Includes an assumed processing fee. Taxes on fees are extra.
  • The final instalment is adjusted for rounding.
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Indicative only. Eligible amount depends on the lender’s valuation and policy.

Why consider Loan Against Property

  • Larger amounts

    Property backing usually allows higher loan amounts than unsecured loans.

  • Longer tenures

    Lower EMIs than short-term unsecured borrowing.

  • Keep using the property

    You continue to live in or rent it out.

What providers usually look at

  • Property owned by you (or co-owned with co-applicants)
  • Clear, marketable title
  • Steady income to repay
  • Property within the lender’s serviceable area
  • Acceptable credit history

Every provider sets its own criteria. Meeting these does not guarantee approval.

Documents commonly requested

  • Property title documents and chain of ownership
  • Approved building plan
  • Property tax receipts
  • Income proof
  • Bank statements
  • KYC of all owners

Have these ready to speed things up. Your provider may ask for more.

How Fundslelo helps

  1. 1

    Share your need

    Answer a few questions about what you need.

  2. 2

    Get a reference number

    Track your request any time.

  3. 3

    Review options with us

    We explain which providers may suit you.

  4. 4

    Apply with the provider

    The provider assesses and decides.

Ready to explore Loan Against Property?

It takes a few minutes. We aim to respond within 12–24 business hours.

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Questions about Loan Against Property

What happens if I can’t repay?

The lender can take recovery action against the property under the loan agreement. Borrow an amount you can comfortably repay.