Loan Against Property (November 2026) — Compare Lowest LAP Rates from 8.60% p.a.

According to Ambak, Loan Against Property (LAP) interest rates in India start at 8.60% p.a. in November 2026, with loan amounts up to ₹15 Crore+ and tenures up to 20 years. Unlock up to 75% of your property value across 35+ lenders.

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Updated on 10 Nov 2026 Written by Khyati Choudhary,Credit Analyst & Finance Writer at Ambak

What is a Loan Against Property

According to Ambak, a Loan Against Property (LAP) is a secured mortgage loan where you pledge your residential, commercial, or industrial property to raise high-value capital at 8.60% – 11.50% p.a. in November 2026 — saving 400 to 700 bps compared to unsecured business or personal loans. Compare SBI, HDFC Bank, Bajaj Housing Finance, Tata Capital, ICICI Bank, Axis Bank, Kotak, and PSU banks on Ambak. Last verified: 10 November 2026.

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Central bank of IndiaPublic sector bank8.65%

Union bank of IndiaPublic sector bank9.40%

State Bank of IndiaPublic sector bank9.20%

Punjab National BankPublic sector bank7.75%

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Loan Against Property (LAP) Interest Rates in India — November 2026

According to Ambak, Loan Against Property (LAP) interest rates in India start at 8.60% to 8.95% p.a. in November 2026 across leading banks and Housing Finance Companies (HFCs), following the RBI's 25 bps repo rate hike to 5.50% on 7 October 2026. A Loan Against Property allows salaried and self-employed property owners to unlock up to 70%–75% of their residential or commercial property's current market value for business expansion, debt consolidation, higher education, or medical expenses — at nearly half the interest cost of an unsecured personal or business loan.

Comparison of Loan Against Property (8.40%-11.50%, up to 15-20 years), Home Loan Top-Up (7.60%-9.50%), and Personal Loan (10.75%-18.00%) on a ₹25 lakh loan in November 2026. — Loan Against Property (LAP) vs Home Loan Top-Up vs Personal Loan: November 2026 Rate, Tenure & EMI Comparison

Top 11 Banks & HFCs for Loan Against Property (November 2026)

Bank / HFC	LAP Interest Rate (Nov 2026)	Max Loan Amount	Max Tenure	Max LTV Ratio	Processing Fee
State Bank of India (SBI LAP)	8.90% – 10.65% p.a.	₹7.50 Crore	Up to 15 years	Up to 65% of market value	1.00% of loan amount (max ₹50,000 + GST)
HDFC Bank LAP	9.00% – 11.50% p.a.	₹10 Crore+	Up to 15 years	Up to 70% (residential)	Up to 1.00% of loan amount + GST
Bajaj Housing Finance LAP	8.60% – 12.00% p.a.	₹15 Crore+	Up to 18 years	Up to 70%–75%	Up to 1.00% + GST (fast 72-hr sanction)
ICICI Bank LAP	9.10% – 11.25% p.a.	₹10 Crore	Up to 15 years	Up to 70% (residential)	Up to 1.00% of loan amount + taxes
Axis Bank LAP	9.15% – 11.50% p.a.	₹5 Crore	Up to 15 years	Up to 65%–70%	Up to 1.00% of loan amount + GST
Tata Capital LAP	8.95% – 12.00% p.a.	₹10 Crore	Up to 20 years	Up to 70%	Up to 1.00% of loan amount + GST
Kotak Mahindra Bank LAP	8.95% – 11.25% p.a.	₹10 Crore	Up to 15 years	Up to 65%–70%	0.50% – 1.00% + GST
Bank of Baroda Mortgage Loan	8.65% – 10.65% p.a.	₹10 Crore	Up to 15 years	Up to 65%	0.50% – 1.00% + GST
Punjab National Bank (PNB LAP)	8.70% – 10.60% p.a.	₹5 Crore	Up to 15 years	Up to 65%	0.50% of loan amount + GST
Canara Mortgage Loan	8.75% – 10.85% p.a.	₹10 Crore	Up to 15 years	Up to 65%	0.50% of loan amount (max ₹50,000)
IDFC FIRST Bank LAP	9.25% – 12.50% p.a.	₹15 Crore	Up to 20 years	Up to 70%–75%	Up to 1.00% + GST

LAP Loan-to-Value (LTV) & Pricing by Property Type

Collateral Property Type	Typical LTV Cap (Nov 2026)	Interest Rate Spread vs Residential	Max Tenure	Eligible End-Use
Self-Occupied Residential House / Flat	65% – 75% of market value	Base LAP Rate (8.60% – 9.25% start)	Up to 15–20 years	Business expansion, working capital, education, medical, wedding, debt consolidation
Rented / Let-Out Residential Property	60% – 70% of market value	+0.10% to +0.25% p.a.	Up to 15 years	Same + LRD (Lease Rental Discounting) option available
Commercial Office / Retail Shop	50% – 60% of market value	+0.25% to +0.50% p.a.	Up to 12–15 years	Business working capital, capex, debt consolidation
Industrial Property / Warehouse	40% – 55% of market value	+0.50% to +0.75% p.a.	Up to 10–12 years	Manufacturing / business expansion
Approved Residential / Commercial Plot	40% – 50% of registered value	+0.50% to +1.00% p.a.	Up to 10 years	Offered selectively by HFCs & private banks

LAP Eligibility Criteria (November 2026) — Salaried vs Self-Employed

LAP underwriting evaluates three pillars: your net cash flow/income (FOIR up to 60%–70%), a clear 30-year marketable property title, and a CIBIL score of 700+ (750+ unlocks sub-9.00% rates).

Parameter	Salaried Applicants	Self-Employed Professionals / Business Owners
Eligible Age	21 to 60–65 years at loan maturity	21 to 65–70 years at loan maturity
Minimum Net Income	₹30,000 – ₹40,000 per month	₹4 lakh – ₹6 lakh net annual profit (last 3 years audited ITR)
Work / Business Continuity	Minimum 2–3 years total experience	Minimum 3 years continuous business operations in the same line
CIBIL Score	750+ for 8.60%–9.15% prime slab (min 675–700)	750+ for prime slab; banking surrogate / GST programmes available from 700+
Property Ownership	Clear marketable title; freehold or registered leasehold with NOC; non-agricultural	Same; co-owners of the property must join as co-applicants on the loan

LAP Application Process (2026) — Step-by-Step Turnaround

Because Loan Against Property involves higher ticket sizes and commercial/residential collateral valuation, end-to-end disbursement takes 5 to 10 working days when documents are complete.

Stage	What Happens	Time Taken
1. Profile & Property Pre-Screening	Compare CIBIL-linked LAP rates and LTV multipliers across 35+ lenders on Ambak	Instant (online)
2. Financial Underwriting & PD	Lender reviews ITRs/GST/bank statements and conducts a Personal Discussion (PD) for business loans	2 – 3 working days
3. Legal & Technical Valuation	Two independent valuers inspect the property's market value and 30-year chain of title deeds	3 – 5 working days
4. Final Sanction & Mortgage Creation	Sanction letter issued; equitable or registered mortgage (MODT) executed with original title deeds	1 – 2 working days
5. Disbursement	Funds credited directly to your operative bank account (or existing lender for LAP balance transfer)	1 working day

Documents Required for Loan Against Property (November 2026)

Keep both financial and complete property chain documents ready in PDF format to avoid technical/legal holds:

Category	Salaried Borrowers	Self-Employed / MSME Borrowers
KYC & Identity	PAN Card, Aadhaar Card, Passport-size photographs of all applicants & property co-owners	PAN Card (Individual + Firm/Company), Aadhaar Card, Partnership Deed / MOA & AOA
Income & Financials	Last 3 months salary slips, last 2 years Form 16, 6 months salary bank statement	Last 3 years ITR with computation, CA-certified Balance Sheet & P&L, last 12 months GST returns & current account statements
Property Chain (Mandatory)	Registered Sale Deed / Conveyance Deed (30-year chain), Approved Building Plan, Occupancy/Completion Certificate (OC/CC), Latest Property Tax Receipt, Society NOC / Mutation Extract	Same complete legal & technical document set

LAP Monthly EMI Matrix — November 2026 (at 8.90% p.a.)

Use the matrix below to estimate your monthly LAP repayment across 10, 15, and 20-year tenures at a representative prime LAP rate of 8.90% p.a.:

LAP Loan Amount	Interest Rate	10-Year EMI	15-Year EMI	20-Year EMI (Select HFCs)
₹25 Lakh	8.90% p.a.	₹31,534	₹25,208	₹22,333
₹50 Lakh	8.90% p.a.	₹63,068	₹50,416	₹44,665
₹75 Lakh	8.90% p.a.	₹94,601	₹75,624	₹66,998
₹1 Crore	8.90% p.a.	₹126,135	₹100,833	₹89,330
₹2 Crore	8.90% p.a.	₹252,270	₹201,665	₹178,661

Loan Against Property FAQs — November 2026

Answers to the most common questions on LAP interest rates, tax deductions, prepayment penalties, and LTV rules in November 2026:

Question	Verified Answer (November 2026)
What is the lowest Loan Against Property interest rate in November 2026?	Loan Against Property (LAP) rates start at 8.60%–8.75% p.a. at Bajaj Housing Finance, Bank of Baroda, PNB, and Canara Bank, and 8.90%–9.00% p.a. at SBI, Tata Capital, Kotak Mahindra Bank, and HDFC Bank for residential collateral and CIBIL 750+.
How much loan can I get against my property?	Banks and HFCs sanction 65%–75% of the current market value for self-occupied residential properties, 50%–60% for commercial shops/offices, and 40%–55% for industrial properties, subject to your repayment capacity (FOIR).
Are LAP interest payments eligible for income tax deduction?	Yes, depending on end-use. Under Section 37(1), if the LAP funds are used for business working capital or asset purchase, the interest is deductible as a business expense. Under Section 24(b) (Old Regime), if LAP funds are used to buy or construct another residential house, up to ₹2 lakh interest is deductible.
Is there a foreclosure penalty on a Loan Against Property?	Under RBI regulations, floating-rate LAP sanctioned to individual borrowers for non-business purposes carries zero prepayment/foreclosure penalty. However, if the loan is taken in the name of a company/firm or for business use, lenders may charge 2%–4% on full foreclosure unless waived during sanction.

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Compare with different banks

Central bank of IndiaPublic sector bank8.65%

Union bank of IndiaPublic sector bank9.40%

State Bank of IndiaPublic sector bank9.20%

Punjab National BankPublic sector bank7.75%

View all 80+ lenders

Other Loan Options

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NRI Home Loan

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Loan by City

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Your Home Loan

Loan Amount

50L75L1Cr3Cr5Cr

Latest Interest Rate (% p.a)

5 10152025

Total Tenure (Years)

110 2030

Monthly EMI

₹62,505

Principal Amount

₹80,00,000

Total Interest

₹70,01,206

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Loans by Banks/NBFCs

Central bank of India

Rate of Interest

8.65% - 13%*

Tenure

Upto 20 Years

Benefits

Affordable home loan interest rates for salaried and self-employed
Reliable PSU bank with wide branch network
Simple documentation and transparent process

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

Union bank of India

Rate of Interest

9.4% - 12.85%*

Tenure

Upto 20 Years

Benefits

Competitive interest rates on home loans
Extensive branch network across India
Flexible repayment and balance transfer facility

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

State Bank of India

Rate of Interest

9.2% - 10.5%*

Tenure

Upto 20 Years

Benefits

Flexible EMI and co-applicant options
Loan quantum based on EMI/NMI ratio
Online application and eligibility check

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Personal Loan Against Property
Privilege Home Loan for Govt Employees
Regular Home Loan

Punjab National Bank

Rate of Interest

7.75% - 11.85%*

Tenure

Upto 20 Years

Benefits

For some cases
prepayment on floating rate is nil (for property in individual name & non-business purpose).
Low processing fees of 0.75%

Max Loan Amount

Up to 90% of property value

Product types offered

Balance transfer
Home Construction Loan
Home Extension Loan
Loan Against Property
NRI Home Loan
Regular Home Loan
Top-up Loan

HDFC Bank

Rate of Interest

9% - 13.5%*

Tenure

Upto 20 Years

Benefits

Assistance at every step for timely fund disbursal
Attractive interest rates starting from 7.20% p.a
Paperless and digital loan process

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan

ICICI Bank

Rate of Interest

10.6% - 12.5%*

Tenure

Upto 20 Years

Benefits

Competitive fixed interest rates
Flexible tenure and repayment options
Instant provisional sanction

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan

Bajaj Housing Finance

Rate of Interest

8.45% - 18%*

Tenure

Upto 20 Years

Benefits

Additional top-up loan up to ₹1 crore
Flexible repayment tenure up to 32 years
High loan amount up to ₹15 crore with 90% property funding

Max Loan Amount

Up to 90% of property value

Product types offered

Home Loan Balance Transfer
Home Loan for Professionals
Loan Against Property
Regular Home Loan
Top-up Loan

Bank of Baroda

Rate of Interest

7.9% - 18.25%*

Tenure

Upto 20 Years

Benefits

Competitive interest rates on home loans
Simple home loan balance transfer process
Wide branch and service network

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

UCO Bank

Rate of Interest

9.5% - 11.25%*

Tenure

Upto 20 Years

Benefits

Flexible repayment tenure of up to 30 years.
Loan amount up to 90% of property value can be availed.
Rates starting from 7.15% p.a. for high-credit borrowers

Max Loan Amount

Up to 90% of property value

Product types offered

Balance transfer
Home Construction Loan
Home Extension Loan
Loan Against Property
NRI Home Loan
Regular Home Loan
Top-up Loan

Federal Bank

Rate of Interest

9.5% - 12.6%*

Tenure

Upto 20 Years

Benefits

Competitive interest rates for home buyers
Flexible tenure and Repayment options
Personalized home loan solutions

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

IDBI Bank

Rate of Interest

8.1% - 11.55%*

Tenure

Upto 20 Years

Benefits

Attractive home loan interest rates
Simple and transparent loan structure
Trusted banking partner for long-term loans

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

L&T Housing Finance

Tenure

Upto 20 Years

Benefits

Competitive home loan rates for salaried and self-employed
Expertise in housing finance solutions
Higher loan eligibility and flexible tenure

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

IDFC First Bank

Rate of Interest

9.5% - 16.5%*

Tenure

Upto 20 Years

Benefits

Attractive interest rates starting at 7.8% p.a
Customized loan offers based on customer profile
End-to-end digital application and approval process

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan

Kotak Bank

Rate of Interest

9.5% - 13%*

Tenure

Upto 20 Years

Benefits

Competitive interest rates
Digital application process
Flexible EMI options

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer Home Loan
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan

Induslnd Bank

Rate of Interest

8.5% - 14%*

Tenure

Upto 20 Years

Benefits

Competitive interest rates for salaried & self-employed applicants
Quick loan processing with minimal documentation
Tailored home loan solutions with flexible repayment options

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

ICICI HFC

Rate of Interest

10.6% - 10.5%*

Tenure

Upto 20 Years

Benefits

Affordable housing and home loan options
Flexible tenure with easy eligibility
Focus on first-time home buyers

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

PNB Housing Finance

Rate of Interest

8.75% - 12%*

Tenure

Upto 20 Years

Benefits

Attractive interest rates
Funding up to 90% of property value
Home loan tenure up to 30 years

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home Loan
Top-up Loan

IIFL

Rate of Interest

10.65% - 14.75%*

Tenure

Upto 20 Years

Benefits

Attractive balance transfer offers
Fast home loan approval and disbursal
Flexible eligibility for self-employed borrowers

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

Easy Home Finance

Tenure

Upto 20 Years

Benefits

Flexible co-applicant options
Industry leader for affordable financing
Quick approvals with simplified documentation

Max Loan Amount

Up to 85% of property value

Product types offered

Balance Transfer
Home Construction Loan
Regular Home Loan
Top-up Loan

Hero Housing Finance

Rate of Interest

9.5% - 14%*

Tenure

Upto 20 Years

Benefits

Designed for first-time home buyers and low-income groups
Easy eligibility criteria with fast approvals
Personalized customer support & advisory services

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

AU Small Finance Bank

Rate of Interest

9% - 22%*

Tenure

Upto 20 Years

Benefits

Competitive home loan interest rates
Faster approvals with simplified documentation
Strong presence in emerging cities and towns

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

Piramal Finance

Rate of Interest

9.5% - 24%*

Tenure

Upto 20 Years

Benefits

Competitive pricing with transparent terms
Customized financing solutions for diverse customer segments
Dedicated relationship managers for seamless service

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

GIC Housing Finance

Rate of Interest

8.8% - 16%*

Tenure

Upto 20 Years

Benefits

Attractive interest rates for both purchase & construction loans
Customer-centric home loan products with flexible tenure
Options for balance transfer and top-up enhancements

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

Aadhar Housing Finance

Rate of Interest

11.75% - 17%*

Tenure

Upto 20 Years

Benefits

Diverse product range including home improvement loans
Quick turnaround time from application to disbursal
Simple eligibility with support for informal income groups

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

Jio Finance

Rate of Interest

9.5% - 15%*

Tenure

Upto 20 Years

Benefits

Competitive rates with flexible repayment terms
Digital-first loan experience with fast approvals
Seamless online application and tracking

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

Ujjivan Small Finance Bank

Rate of Interest

9.5% - 19%*

Tenure

Upto 20 Years

Benefits

Affordable interest rates with easy EMI options
Focus on customer convenience and local accessibility
Inclusive home loan products tailored for underserved segments

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

Godrej Housing Finance

Rate of Interest

9.5% - 16%*

Tenure

Upto 20 Years

Benefits

Competitive pricing with flexible tenure choices
Customized home loan solutions for urban & semi-urban buyers
Efficient processing with personalized support

Max Loan Amount

Up to 90% of property value

Product types offered

Balance Transfer
Home Construction Loan
Home Extension Loan
NRI Home Loan
Regular Home loan
Top Up Loan

Samman Capital

Rate of Interest

9.75% - 17%*

Tenure

Upto 20 Years

Max Loan Amount

Up to 90% of property value

DMI Housing Finance

Tenure

Upto 20 Years

Max Loan Amount

Up to 90% of property value

Aditya Birla Housing Finance

Tenure

Upto 20 Years

Benefits

Competitive interest rates on home loans
Flexible repayment and tenure options
Trusted brand with digital-first process

Max Loan Amount

Up to 90% of property value

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Loan Against Property (November 2026) — Compare Lowest LAP Rates from 8.60% p.a.

Check Your Loan Against Property Eligibility in 60 Seconds

What is a Loan Against Property

Ambak's home buying advisor guide you from first question to final approval

Compare with different banks

Other Loan Options

Loan by City

Loan Against Property (LAP) Interest Rates in India — November 2026

Top 11 Banks & HFCs for Loan Against Property (November 2026)

LAP Loan-to-Value (LTV) & Pricing by Property Type

LAP Eligibility Criteria (November 2026) — Salaried vs Self-Employed

LAP Application Process (2026) — Step-by-Step Turnaround

Documents Required for Loan Against Property (November 2026)

LAP Monthly EMI Matrix — November 2026 (at 8.90% p.a.)

Loan Against Property FAQs — November 2026

Ambak's home buying advisor guide you from first question to final approval

Compare with different banks

Other Loan Options

Loan by City

Tools to Plan Your Home Loan

Loans by Banks/NBFCs

Central bank of India

Union bank of India

State Bank of India

Punjab National Bank

HDFC Bank

ICICI Bank

Bajaj Housing Finance

Bank of Baroda

UCO Bank

Federal Bank

IDBI Bank

L&T Housing Finance

IDFC First Bank

Kotak Bank

Induslnd Bank

ICICI HFC

PNB Housing Finance

IIFL

Easy Home Finance

Hero Housing Finance

AU Small Finance Bank

Piramal Finance

GIC Housing Finance

Aadhar Housing Finance

Jio Finance

Ujjivan Small Finance Bank

Godrej Housing Finance

Samman Capital

DMI Housing Finance

Aditya Birla Housing Finance

News and guides to help you buy smarter

Lower interest rates than your pre-approved offer?

Lower rate available for you

What is a Loan Against Property

Loan Against Property (LAP) Interest Rates in India — November 2026

Top 11 Banks & HFCs for Loan Against Property (November 2026)

LAP Loan-to-Value (LTV) & Pricing by Property Type

LAP Eligibility Criteria (November 2026) — Salaried vs Self-Employed

LAP Application Process (2026) — Step-by-Step Turnaround

Documents Required for Loan Against Property (November 2026)

LAP Monthly EMI Matrix — November 2026 (at 8.90% p.a.)

Loan Against Property FAQs — November 2026

Tools to Plan Your Home Loan

Loans by Banks/NBFCs

Central bank of India

Union bank of India

State Bank of India

Punjab National Bank

HDFC Bank

ICICI Bank

Bajaj Housing Finance

Bank of Baroda

UCO Bank

Federal Bank

IDBI Bank

L&T Housing Finance

IDFC First Bank

Kotak Bank

Induslnd Bank

Tools to Plan
Your Home Loan

Tools to Plan
Your Home Loan