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Loan Against Property in Delhi: Eligibility, Rates & How to Apply

By FinvestMart · Updated July 2026

A loan against property (LAP) in Delhi lets you borrow a large amount by pledging a residential or commercial property you own — usually at a lower interest rate than a personal loan — repaid over up to 15 years. FinvestMart helps you compare LAP offers from banks and NBFCs and apply with free expert guidance.

How much can you borrow against your property?

Lenders typically sanction 50–70% of your property's current market value, subject to your income and repayment capacity. The exact amount depends on the property type (residential usually gets a higher percentage than commercial or industrial), its location and age, your income, and your credit history.

Loan against property interest rates and tenure

Because LAP is a secured loan, its interest rate is generally lower than an unsecured personal loan, though slightly higher than a pure home loan. Tenures commonly run up to 15 years — a longer tenure means a smaller EMI but more total interest. Rates vary by lender and your profile, so comparing offers is the best way to find the lowest cost.

Documents required for LAP

KYC — Aadhaar, PAN, address proof.
Income proof — salary slips and Form 16, or ITRs and bank statements for the self-employed.
Property documents — title deed, chain of ownership, approved plan and latest tax receipts.

How to apply for a loan against property with FinvestMart

Share your property and income details in our short form.
An advisor calls you with suitable offers.
Compare rates, tenure and processing fees across lenders.
Submit documents; the lender values the property and sanctions the loan.

Compare loan against property offers

Free, no obligation — an expert will call you with tailored options.

Check your eligibility →

Frequently asked questions

What is a loan against property?

A loan against property (LAP) is a secured loan where you pledge a residential or commercial property you own to borrow money for any purpose — business, education, medical or debt consolidation. Because it is backed by collateral, it usually carries a lower interest rate than an unsecured loan.

How much loan can I get against my property in Delhi?

Most lenders offer 50–70% of your property's current market value, depending on the property type, your income and your credit profile. FinvestMart helps you compare how much different lenders will offer.

Is a loan against property cheaper than a personal loan?

Usually yes. Because it is secured against your property, LAP generally has a lower interest rate and allows a longer tenure than an unsecured personal loan, which can significantly reduce your EMI.

Can I get a loan against a commercial property?

Yes. Banks and NBFCs lend against residential, commercial and, in some cases, industrial property, though the loan-to-value and rate may differ by property type.

Does FinvestMart charge for loan against property help?

No. Comparing offers and speaking to a FinvestMart advisor is completely free. You only pay the lender's own charges for the loan you choose.

This article is general information, not financial advice. Loan eligibility, interest rates and terms are decided by the lender and depend on your profile, the property and prevailing rates. Please verify current details before applying.