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Loan Against Property

11.29%

Rate of Interest
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About LAP

Loan against property is another name of mortgage loan and is available for both salaried and self-employed borrowers to help them fulfil their business and personal needs by mortgaging their property.

Some of the basic purposes for which you can avail this loan are expanding business, acquiring assets, education needs, marriage, etc. The loan is granted against the mortgage of the residential/commercial/industrial property. As a borrower you are required to declare the end use of the loan in its application form.

Loans for home construction or purchase are available at a lower rate of interest under a home loan as against a mortgage loan. Banks will take an end use undertaking on the loan against property and will also check the actual usage of the loan on a regular basis. Top up loans taken on existing loans against property can be used for purposes such as business expansion, education, medical expenses etc.

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Now apply for a LAP Loan online, All you need to do is provide your details below application form.

I hereby appoint E-max Loans as my authorised representative...

Interest Rate

10.50%

Max Tenure

15 years

Processing Fee

Upto 1.00%

Lowest EMI per lakh

₹ 1,105 per lakh

Prepayment, Foreclosure Charges

Not Allowed

  • Age - Min 24 and Max 60 years for Salaried, Min 24 and Max 65 years for Self Employed
Apply now More Informations
Interest Rate

8%

Max Tenure

15 years

Processing Fee

Upto 0.75%

Lowest EMI per lakh

₹ 956 per lakh

  • Prepayment, Foreclosure Charges - Allowed with nil charges for floating rate loans to individuals
  • Age - Min 24 and Max 60 years for Salaried, Min 24 and Max 65 years for Self Employed
Apply now More Informations
Interest Rate

8.85%

Max Tenure

15 years

Processing Fee

Upto .50%

Lowest EMI per lakh

₹ 976 per lakh

  • Prepayment, Foreclosure Charges - Allowed with nil charges for floating rate loans to individuals
  • Age - Min 21 and Max 60 years for Salaried, Min 21 and Max 65 years for Self Employed
Apply now More Informations
Interest Rate

11.80%

Max Tenure

15 years

Processing Fee

Upto 1.00%

Lowest EMI per lakh

₹ 1,187 per lakh

  • Prepayment, Foreclosure Charges - Allowed with nil charges for floating rate loans to individuals
  • Age - Min 21 and Max 60 years for Salaried, Min 21 and Max 65 years for Self Employed
Apply now More Informations
Interest Rate

10.10%

Max Tenure

15 years

Processing Fee

Upto 1.00%

Lowest EMI per lakh

₹ 1,105 per lakh

Prepayment, Foreclosure Charges

Not Allowed

  • Age - Min 24 and Max 60 years for Salaried, Min 24 and Max 65 years for Self Employed
Apply now More Informations
Interest Rate

8.80%

Max Tenure

15 years

Processing Fee

Upto 1.00%

Lowest EMI per lakh

₹ 1,002 per lakh

  • Prepayment, Foreclosure Charges - Allowed with nil charges for floating rate loans to individuals
  • Age - Min 18 and Max 70 years for Salaried, Min 18 and Max 70 years for Self Employed
Apply now More Informations
Interest Rate

13.05%

Max Tenure

15 years

Processing Fee

Upto 1.25%

Lowest EMI per lakh

₹ 1,269 per lakh

  • Prepayment, Foreclosure Charges - Allowed with nil charges for floating rate loans to individuals
  • Age - Min 23 and Max 60 years for Salaried, Min 23 and Max 65 years for Self Employed
Apply now More Informations
Interest Rate

9.60%

Max Tenure

12 years

Processing Fee

Upto 1.00%

Lowest EMI per lakh

₹ 1,172 per lakh

  • Prepayment, Foreclosure Charges - Allowed with nil charges for floating rate loans to individuals
  • Age - Min 21 and Max 65 years for Salaried, Min 21 and Max 65 years for Self Employed
Apply now More Informations
Interest Rate

8.25%

Max Tenure

15 years

Processing Fee

Upto 1.00%

Lowest EMI per lakh

₹ 970 per lakh

  • Prepayment, Foreclosure Charges - Allowed with nil charges for floating rate loans to individuals
  • Age - Min 22 and Max 60 years for Salaried, Min 25 and Max 70 years for Self Employed
Apply now More Informations
Interest Rate

9%

Max Tenure

15 years

Processing Fee

Upto 1.00%

Lowest EMI per lakh

₹ 1,008 per lakh

Prepayment, Foreclosure Charges

Not Allowed

  • Age - Min 23 and Max 60 years for Salaried, Min 25 and Max 65 years for Self Employed
Apply now More Informations
Interest Rate

9%

Max Tenure

20 years

Processing Fee

Upto 1.00%

Lowest EMI per lakh

₹ 900 per lakh

  • Prepayment, Foreclosure Charges - Allowed with nil charges for floating rate loans to individuals
  • Age - Min 33 and Max 58 years for Salaried, Min 25 and Max 70 years for Self Employed
Apply now More Informations

Calculate Your Lap EMI Online

Loan Amount is 30000
No. of Month is 30
Rate of Interest [ROI] is 10
Monthly EMI

Total Interest

Payable Amount

Interest Percentage

Types of Loan Against Property

Achieve all your goals and aspirations; with the right kind of help, exactly when you need it.

Regular Loan against property

This is the most common loan taken by a borrower to fulfill any kind of business and personal needs which may include loans for: Business expansion Acquiring assets For marriage or any medical emergency Lowest interest charged on Loan against property is 7.20%. All banks and NBFCs provide property loans for these purposes. Various banks offer loans against residential property, while only selected banks offer loans against commercial or industrial property. Financing companies are typically more open to extend loans against residential property.

Loan against property Overdraft

Overdraft facility is availed by the borrowers who expect to have surplus income or fluctuating income during the year. This facility allows you to deposit the available surplus amount for any period which can be as short as a few days in your Loan against property account and reduce your interest liability. This option is highly suitable for self employed businessmen or professionals who have fluctuating funds requirements throughout the year.

Loan against property Top Up

Top up loan is an additional loan amount that you can avail on your existing Loan against property. Top up can be taken either from the existing bank or can be availed at the time of transferring your outstanding property loan amount from one bank to another bank to avail low interest rates. The LTV cap on Loan against property is applied to calculate your eligibility on a loan amount. This means that the amount of the top up loan plus your existing mortgage loan outstanding should be less than or equal to 70% of the market value of the property. Top up amount eligibility may vary from bank to bank based on your income and value of the property and needs a thorough comparison.

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Features of LAP

All loans are not created equal, personal loan has become a great option for people to use.

Faster Loan

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Choose your amount

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Enjoy the best rates

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Decide your tenure

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Basic Eligibility Criteria
✓
Good Credit Score
✓
Above 21 Years of Age
✓
Salaried Professional
✓
Resident of India
✓
Valid Bank Account
✓
PAN Card & Voter ID / Driving License
✓
Bank Statements – Last 3 Months
✓
Salary Slip – Last 3 Months

Why Choose Emax Loans?

End-to-End Consultation

We understand your requirements and guide you at every step.

Documentation Support

We help prepare and organize all required paperwork.

Profile Evaluation

We analyze your profile to identify suitable lenders.

Bank & NBFC Coordination

We handle communication with banks and NBFCs.

Faster Processing

We reduce unnecessary delays and speed up approvals.

Better Approval Chances

We apply strategically to improve your approval success rate.

Frequently Ask Questions

Find answers to common questions related to Loan Against Property (LAP).

Yes, you can prepay or foreclose your Loan Against Property before the tenure ends. This helps reduce your total interest burden. However, some lenders may charge a small foreclosure or prepayment fee depending on the loan terms.

Yes, we offer balance transfer and refinancing options for Loan Against Property. You can transfer your existing LAP to us to benefit from lower interest rates and better repayment terms.

This helps reduce your EMI burden and improves overall financial flexibility while continuing to use your property as collateral.

You should apply for a Loan Against Property when you need a large amount of funds at lower interest rates compared to unsecured loans. It is ideal for long-term financial needs.

  • For business expansion or investment
  • For funding education or medical expenses
  • For debt consolidation
  • For managing major personal or business expenses
  • When you own a clear-title property

We offer Loan Against Property services across India through both online and offline channels. You can apply easily from anywhere or contact us to visit the nearest branch for personalized assistance.

Emax Loans is online Loan Solution portal where Customer can easily apply for various types of Loans and other financial products as per their requirements. We match your requirements with best banks and provide best services. Emax Loans provides quick and hassle free services.

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8800674184

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