Unlock Your Property's Value

Loan Against Property - Get Higher Funds at Lower Rates

Use your residential or commercial property as collateral to get loans up to 70% of property value at interest rates starting from 9.5% p.a. Flexible tenure up to 15 years.

Calculate Loan Amount Check Eligibility
Loan Against Property

Why Choose 华体会 Loan Against Property?

Unlock Your Property's Value to Meet Diverse Funding Needs

Lower Interest Rates

Rates lower than personal loans, starting at 9.5% p.a.

Higher Loan Amounts

Up to 70% of property value, with flexible repayment terms

Extended Repayment Tenure

Up to 15-year tenure, manageable monthly installments

Flexible Fund Utilization

Versatile fund usage for personal and business needs

Loan-to-Value Ratio

Based on property valuation

70%
Up to 70%

of property value

Loan amount determined by property valuation, location, legal clearances, and borrower's repayment capacity.

Property Valuation Calculator

Estimate how much loan you can get against your property

50,000 500,000 5,000,000
1 Year 10 Years 15 Years

Your Loan Eligibility

Maximum Loan Amount

$0
Discover more about secure and stable client downloads, enjoy the ultimate experience with 华体会.
Property Value $0
Loan-to-Value Ratio 70%
Monthly EMI $0
Total Interest $0

*Loan amount subject to property valuation, legal clearance, and borrower's repayment capacity. Processing fee: 1-2% of loan amount.

Acceptable Property Types

We accept a wide range of residential and commercial properties as collateral.

Commercial Properties

Office buildings, retail spaces, and commercial complexes

Retail Shop
Office Space
Showroom

LTV: Up to 65%

Hotel & Hospitality Real Estate

Hotels, resorts, and guesthouses

Hotel
Resort
Guesthouse

LTV: Up to 60%

Institutional Properties

Schools, hospitals, and healthcare facilities

Hospital
School
Clinic

Requires special approval

Residential Properties

Owner-occupied or rental residential properties

Apartment
Landed House
Villa

LTV: Up to 70%

Vacant Land Plots

Residential and commercial plots with clear titles

Commercial Land
Residential Land
Agricultural Land*

*Subject to change based on nature

Industrial Properties

Factories, warehouses, and industrial land

Factory
Warehouse
Godown

Loan-to-value: Up to 60%

Common Uses for Loan Against Property

Flexible funding for personal and business needs

Support Business Expansion

Support for working capital, inventory procurement, or business expansion.

Home Renovation

Renovate or repair existing residential properties.

Wedding Expenses

Fund weddings, celebrations, and associated expenses.

Debt Consolidation

Consolidate high-interest debts and simplify repayment.

Fund Your Children's Education

Finance higher education or vocational training for your children.

Meet Medical & Travel Needs

Cover medical expenses or support international travel.

Eligibility Criteria for Loan Against Property

Property Age

Up to 30 Years*

*Subject to actual property condition
Authoritative Information

Credit Score 700+ Preferred

Minimum Income

¥30,000/year

Applicant Age

25 - 70 Years Old

Property Requirements:
  • Clear and Marketable Title
  • No existing mortgage (or acceptable subordinate mortgage)
  • Legally Registered Property
  • Approved Building Plans (for built properties)

Property valuations are conducted by bank-approved appraisers, with mandatory legal due diligence.

Supported Devices

  • Sale Deed/Title Deed
  • Property Tax Receipts (last 3 years)
  • Approved Building Plan
  • Encumbrance Certificate (last 13 years)
  • No Objection Certificate (if applicable)

  • Business Registration Certificate
  • Audited Financials (last 2-3 years)
  • Partnership Deed/MOA & AOA
  • GST Registration & Returns

  • PAN Card & Aadhaar Card
  • Address Proof (Utility Bill/Passport)
  • Income Proof (Salary slips/ITR)
  • Bank Statements (last 6 months)

Loan Against Property Interest Rates

We offer competitive interest rates based on property type, location, and applicant's profile.

Property Type Amount Annualized Interest Rate Range Service Fee Maximum Loan Term Maximum Loan-to-Value Ratio
Residential (Self-Occupied) Loan amounts from ₹50,000 to ₹50 Lakhs 9.5% - 11.5% Annualized 1% - 2% 15 Years Up to 70%
Residential (Rental) Secure financing between ₹50,000 and ₹50 Lakhs 10.0% - 12.0% p.a. 1% - 2% 15 Years Up to 65%
Commercial (Office/Retail) 10 Lakh - 1 Crore 10.0% - 12.5% p.a. 1.5% - 2.5% 12 Years Up to 65%
Industrial (Factory/Warehouse) 20 Lakh - 1.5 Crore 10.5% - 13.0% p.a. 1.5% - 2.5% 10 Years Up to 60%
Vacant Land (Residential) 5 Lakh - 20 Lakh 11.0% - 13.5% p.a. 2% - 3% 8 Years Up to 50%
Hospitality (Hotel/Resort) ¥500,000 - ¥20,000,000 Annualized Interest Rate: 11.5% - 14.0% 2% - 3% 10 Years Up to 60%

Interest rates are determined by factors including property location, borrower's creditworthiness, income stability, and relationship with the 华体会 platform. Existing clients and prime properties in major cities may qualify for preferential rates.

Apply for Loan Against Property

Unlock the value of your property for your financial needs

Personal Details
Property Details
Loan Details

Our loan against property specialist will contact you within 24 hours to discuss your application and schedule property valuation

Loan Against Property FAQs

Common questions about property mortgage loans

The processing typically takes 7-15 working days from application to disbursement, depending on document completeness and property verification. The steps include: 1) Application & document submission (1-2 days), 2) Property valuation (2-3 days), 3) Legal verification (3-5 days), 4) Credit appraisal (2-3 days), and 5) Documentation & disbursement (1-2 days).

In case of default, we first work with you to find solutions like restructuring the loan or offering temporary relief. If defaults continue, we may initiate recovery proceedings as per the SARFAESI Act, which may include taking possession of the mortgaged property. However, we always try to avoid such situations and work with borrowers facing genuine difficulties.

Property valuation is done by bank-approved valuers who consider factors like location, property age, construction quality, market value, and legal status. The valuation includes physical inspection, document verification, and market analysis. The loan amount is based on the lower of the market value or registered value, subject to the loan-to-value ratio.

Yes, you can prepay your loan against property. For floating rate loans, you can prepay after 6 months with no charges. For fixed rate loans, a prepayment charge of 2% may apply if prepaid within the first 3 years. No charges apply after 3 years. We recommend checking your loan agreement for specific prepayment terms.

Yes, you can get a top-up loan or a fresh loan against property even if there's an existing home loan. However, the total loan amount (existing home loan + new LAP) cannot exceed the maximum loan-to-value ratio. You'll need to get a No Objection Certificate from the existing lender, and they may need to subordinate their charge.

Yes, tax benefits are available if the loan is used for specific purposes. Under Section 37(1) of the Income Tax Act, if the loan is used for business purposes, the interest is deductible as a business expense. If used for house construction or purchase, deduction under Section 24(b) may be available up to $2,000 on interest. For other personal uses, no specific tax benefits are available.

Unlock Your Property's Value Today!

Our property loan experts are ready to help you secure the funds you need with competitive rates and flexible repayment options.

Call Property Loan Hotline: +86 189 1382 9470 Get Property Valuation