Loan Against Property
Unlock the Value in
Your Property with a
Smart LAP
Get 50–70% of your property value as a loan at rates from 9% p.a. Use it for any purpose — business, education, medical, or debt consolidation. Fastest approval in India.
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Loan Amount
₹5 Lakhs — ₹10 Crores
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Interest Rate
Starting from 9% p.a.
📅
Tenure
Up to 15 Years
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LTV Ratio
Up to 70% of property value
Why Choose Marfo for LAP
Make your property
work for you
20+ Lender Network
We compare SBI, HDFC, Axis, Bajaj, L&T Finance, and 15+ more lenders to get you the best LAP rate.
Fast Processing
Our team handles property valuation coordination, legal verification, and bank follow-ups to ensure quick disbursement.
Any Purpose Use
Unlike home loans, LAP proceeds can be used for business, personal needs, debt consolidation, or any legitimate purpose.
Free Property Valuation
We arrange professional property valuation before your application to ensure you get the maximum possible loan amount.
Balance Transfer
Already have a LAP with a high rate? We help you transfer to a lower rate lender and save significantly on interest.
Doorstep Service
Our representative visits your property, collects documents, and manages the entire process — you barely need to visit the bank.
How Much Can You Get?
Property value & loan eligibility
₹50L Property
Eligible loan
₹25L – ₹35L
50–70% LTV
₹1Cr Property
Eligible loan
₹50L – ₹70L
50–70% LTV
₹2Cr Property
Eligible loan
₹1Cr – ₹1.4Cr
50–70% LTV
₹5Cr Property
Eligible loan
₹2.5Cr – ₹3.5Cr
50–70% LTV
* Indicative values. Actual eligibility depends on property type, location, and applicant profile.
EMI Calculator
Calculate your LAP EMI
before you apply
EMI Calculator
Adjust sliders to estimate your monthly EMI
₹30.00 L
₹5.00 L₹5.00 Cr
10.00% p.a.
9%16%
10 yrs
12 mo180 mo
Monthly EMI
₹39,645
Principal Amount₹30,00,000
Total Interest₹17,57,427
Total Payment₹47,57,427
Principal vs Interest
Principal 63%Interest 37%
* This is an indicative calculation. Actual EMI may vary based on the bank's terms. Contact our advisor for an exact quote.
Eligibility
Who can apply
for a LAP?
Both salaried and self-employed individuals can apply. Here are the basic criteria.
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Indian resident aged 21–70 years
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Salaried: ₹25,000+ monthly income
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Self-employed: ₹3 lakhs+ annual ITR income
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Property must be legally clear with all documents
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CIBIL score 650+ recommended
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Property should be free from existing disputes
Check your LAP eligibility free
Our advisors assess your property and financial profile to tell you exactly how much LAP you can get — no obligation.
Get Free Assessment →FAQs
LAP questions
answered
Everything you need to know about Loan Against Property in India.
Ask an Advisor →What is Loan Against Property (LAP)?
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LAP is a secured loan where you pledge your residential or commercial property as collateral. You get 50–70% of the property value as a loan while continuing to use the property.
What types of properties are accepted?
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Residential (self-occupied or rented), commercial property, industrial property, and in some cases, plots are accepted. The property must be legally clear with proper documentation.
What is the maximum LTV for LAP?
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Typically 50–70% of the market value of the property. For example, if your property is worth ₹1 crore, you can get ₹50–70 lakhs as a loan.
What are LAP interest rates?
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LAP rates start from 9% p.a. and go up to 16% depending on the lender, property type, applicant profile, and loan amount. Marfo compares multiple lenders to get you the best rate.
Can I use LAP for business purposes?
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Yes. LAP can be used for business expansion, working capital, debt consolidation, education, medical expenses, or any legitimate purpose. This is one of the most flexible loan products available.
What happens if I cannot repay a LAP?
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In case of default, the lender has the right to auction the pledged property to recover the dues. It is important to borrow only what you can comfortably repay.
Ready to unlock your property's value?
Free eligibility check. Best LAP rates. Doorstep service. Apply in 5 minutes.