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Unlock high-quantum capital by mortgaging your residential house, commercial shop, office floor, or industrial plot. Compare customized LAP offers across 130+ empaneled lenders.
Get maximum property valuation and best bank rates
A secured long-tenure credit facility that allows residential, commercial, and industrial property owners to leverage unencumbered real estate value without selling.
A Loan Against Property (LAP) is India's most powerful and underutilized financial instrument — and Sanction has built an entire advisory specialization around it. The premise is compelling: if you own a property worth ₹1 Crore, why pay 16%+ on a business loan or 14%+ on a personal loan when the same capital can be raised at 9.25% using your real estate equity as backing?
At our Indore advisory desk, we handle the full complexity of mortgage structuring — 30-year title chain verification, independent market and guideline valuation, MODT documentation, consortium banking architecture, and CERSAI registration — so you access the capital your property's equity actually deserves. You retain complete ownership and full operational use of the pledged property throughout the loan tenure. LAP is optimal for business expansion, high-cost debt restructuring, medical emergencies, education funding, and any high-value need where a large, long-tenure facility at low interest rates makes financial sense.
Unlock structured mortgage debt across diverse real estate asset classes with competitive LTV ratios.
Unlock optimal property valuation and negotiated mortgage interest rates.
Compare latest benchmark mortgage rates, maximum limits, and tenure terms across top Indian lenders.
| Lending Bank / NBFC | Interest Rate (% p.a.) | Max Loan Amount | Processing Fee | Action |
|---|---|---|---|---|
|
State Bank of India
Lowest mortgage interest rates on self-occupied residential property
|
9.25% – 11.50% | Up to ₹20 Crores | 0.50% to 1.00% | Check Offer → |
|
HDFC Bank
Residential, commercial, and industrial property refinancing
|
9.35% – 11.75% | Up to ₹25 Crores | 0.75% to 1.50% | Check Offer → |
|
ICICI Bank
Lease Rental Discounting (LRD) and debt consolidation programs
|
9.40% – 12.00% | Up to ₹25 Crores | 0.50% to 1.00% | Check Offer → |
|
Axis Bank
Longer 20-year tenures ensuring manageable monthly debt burden
|
9.50% – 12.25% | Up to ₹20 Crores | Up to 1.00% | Check Offer → |
|
Bajaj Finserv
High LTV up to 75% with flexi dropline interest structures
|
9.75% – 13.50% | Up to ₹10 Crores | Up to 2.00% | Check Offer → |
|
Tata Capital
Fast-track appraisal with commercial property acceptance
|
9.65% – 13.00% | Up to ₹15 Crores | 1.00% to 2.00% | Check Offer → |
Calculate your estimated monthly installment across different property loan limits.
Straightforward benchmarks for property titleholders and corporate entities.
End-to-end mortgage processing from valuation assessment to bank disbursal.
Complete schedule of interest rates, legal charges, and processing fees.
| Fee Category | Applicable Charges | Details & Notes |
|---|---|---|
| Interest Rate | 8.30% to 18.25% p.a. | Based on property category (Residential / Commercial), LTV, and credit score. |
| Processing Fees | 0.50% to 1.50% of sanction quantum | Deducted from loan disbursement or paid as login fee. |
| Legal & Title Search | ₹5,000 to ₹15,000 (At actuals) | Paid directly to bank-empaneled legal advocates for 30-year TSR report. |
| Technical Property Valuation | ₹3,500 to ₹10,000 (At actuals) | Physical site visit and valuation by chartered engineer. |
| Foreclosure Penalty | 0% (Individual Floating) or 2-3% (Entity) | Zero charges for individual borrowers under RBI directives. |
Direct institutional tie-ups and credit desk liaison across India's leading LAP lenders.
Common questions about mortgage limits, commercial properties, and processing timelines.
Yes. Commercial properties such as shops, office spaces, warehouses, and industrial sheds can be mortgaged for up to 60-70% of their fair market value.
Yes, significantly. LAP interest rates start at 8.30% p.a. with tenures up to 20 years, whereas unsecured personal and business loans range between 12% and 24% p.a. with tenures capped at 5 years.
LRD is a specialized loan against commercial properties leased to reputed corporate tenants. The loan amount is sanctioned based on the discounted value of future monthly rent receivables deposited directly into an escrow account.
