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Apply NowA loan against property (LAP) is a secured loan that is sanctioned keeping an asset as mortgage with the lender. This asset can either be an owned land, a house, or any other commercial premises. The asset remains as collateral with the lender until the entire loan against property amount is repaid. The repayment tenure offered generally goes up to 25 years.Read More
Lenders often approve a mortgage loan around 50% to 70% of the property's market price, which you can repay over your repayment term in the form of EMIs. You can use the LAP to address your personal or professional needs.Read Less
Product type | ROI% |
Loan Against Property | ROI Starting from 9.25%* |
* T&C Apply
Above mentioned interest rates will vary basis various parameters such as the Bureau Score, Segments, etc. | |||
REPO RATE (RR) will undergo changes as per timely RBI Policy announcements. |
Loan processing and disbursement will take at least 15 working days post submission of all requisite documents and information as may be required, by IDFC FIRST BANK as per Bank's criteria.
Mortgage loan is a type of secured loan where you can avail funds by providing your asset as collateral to the lender. ... A mortgage is usually a loan sanctioned against an immovable asset like a house or a commercial property. The lender keeps the asset as collateral until the borrower repays the total loan amount.
A minimum CIBIL score of 740 is needed if you wish to apply for a loan against property. The higher your CIBIL score, the greater your chances of getting a loan.
No. It is mandatory to submit your income proof when applying for a loan against property. Income proof is essential to determine the repayment capacity of the borrower. ... Income is an important parameter for deciding the amount of loan that can be sanctioned to the borrower. Income documents are checked to access the creditworthiness of the borrower.
If you wish to know your loan against property interest rate, use a loan against property interest calculator. A Loan Against Property (LAP) EMI calculator is an online tool that calculates the monthly instalments to be paid towards the loan amount.