Who it suits
- Business expansion funding
- Large medical or wedding expenses
- Higher education costs
- Refinancing costlier borrowing
Unlock the value of your property for larger, longer funding.
A loan against property lets you borrow against residential or commercial property you own, usually at a lower rate than unsecured credit and for a longer tenure.
- Higher loan amounts than unsecured loans
- Lower rates because property is security
- Long tenures, often up to 15 years or more
- You keep using your property
Loan against property EMI estimate
Estimated EMI₹14,873
at 10% p.a. · 60 monthsPlanning estimate only. Excludes fees. Actual rates and eligibility depend on the lender.
Eligibility factors
- Ownership of a property with clear title
- Regular income to service the EMI
- Good credit history
- Property valuation meeting lender norms
Documents you may need
- KYC and PAN
- Property title and ownership documents
- Income proof and ITR
- Bank statements and property tax receipts
Smart tips
- Remember your property is at risk if you cannot repay.
- Check valuation and legal fees, which add to the cost.
- Borrow only for needs that justify securing your property.
Loan against property FAQs
How much can I borrow against my property?
Lenders lend a percentage of the assessed market value. The exact share varies by lender and property type.
Can I use the money for anything?
Generally yes, though lenders may restrict speculative or illegal uses. Confirm the end-use conditions.
Other loan types
GoForLoans.com is an informational planning site, not a lender. Figures shown are illustrative.