Loan Against Property Residential India 2025
LoanPao’s Loan Against Property (LAP) for residential properties in India 2025 enables individuals and businesses to leverage residential assets like flats, houses, or plots to secure loans up to ₹25 crore at competitive rates of 8.5%–14% p.a.. With flexible tenures up to 15 years, this secured loan is ideal for personal needs like education, medical expenses, or business purposes such as expansion or working capital. Partnered with 500+ RBI-compliant lenders, LoanPao offers a digital process with approvals in 5–7 days. For other financing options, explore our Personal Loan or Commercial LAP pages.
Apply below or use our EMI Calculator to estimate repayments. Contact us at +91-971-769-5334 for support.
Benefits of Residential Loan Against Property
High Loan Amount
Up to ₹25 crore based on property value.
Low Interest Rates
Rates starting at 8.5% p.a. for secured loans.
Long Tenure
Repayment flexibility up to 15 years.
Digital Process
Online application with e-KYC and valuation.
Trusted Lenders
500+ RBI-compliant banks and NBFCs.
Versatile Use
Funds for education, medical, or business needs.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Applicant Type | Salaried, self-employed, or businesses |
| Property Type | Residential (flats, houses, plots) |
| Property Ownership | Clear title, free from disputes |
| CIBIL Score | 650+ for better rates |
| Loan Amount | ₹10 lakh–₹25 crore (50–70% of property value) |
| Age | 21–70 years at loan maturity |
Check your eligibility with our CIBIL login tool or contact info@loanpao.in.
Documents Required
- KYC: Aadhaar, PAN, voter ID
- Property Documents: Title deed, sale agreement, approved plan
- Income Proof: Salary slips (3 months), ITR (2 years)
- Bank Statements: Last 6–12 months
- Business Proof (if applicable): GST registration, business license
How to Apply for Residential LAP
Apply with LoanPao in 4 simple steps:
- Fill the form below with personal and property details.
- Upload KYC, property documents, and financials via e-KYC.
- Complete property valuation with lender support.
- Get funds in 5–7 days after approval.
Start your application or call +91-971-769-5334 for assistance.
Compare Residential LAP Providers
| Provider | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| Axis Bank | 8.5%–11% | ₹10 lakh–₹25 crore | 1–15 years | 0.5–1% |
| SBI | 9%–12% | ₹10 lakh–₹20 crore | 1–12 years | 0.75–1.5% |
| Piramal Finance | 10%–14% | ₹10 lakh–₹15 crore | 1–10 years | 1–2% |
Note: Rates and terms are indicative and subject to change. Contact LoanPao for updated offers.
Uses of Residential Loan Against Property
Residential LAP funds can be used for various purposes, including:
- Education: Fund higher studies domestically or abroad.
- Medical Expenses: Cover surgeries or treatments.
- Business Expansion: Launch new ventures or scale operations.
- Debt Consolidation: Pay off high-interest debts.
- Home Renovation: Upgrade or repair your property.
Why Choose LoanPao for Residential LAP?
Wide Lender Network
Compare offers from 500+ RBI-compliant lenders.
EMI Calculator
Use our EMI calculator to plan repayments.
24/7 Support
Contact us at +91-971-769-5334 or info@loanpao.in.