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 Loan Against Property?

Unlock Your Property's Value for Diverse Financial Needs

Flexible Usage

Funds available for any personal or business use

Competitive Interest Rates

Lower rates than personal loans, from 9.5% p.a.

Higher Loan Amounts

Up to 70% of property value, flexible tenure

Extended Repayment Tenure

Tenure up to 15 years for comfortable EMI

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
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Your Loan Eligibility

Maximum Loan Amount

$0
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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.

Accepted Property Types

We accept a variety of residential and commercial properties as collateral

Residential Properties

Residential property for self-occupation or rental

Villa
Apartment
Detached House

LTV: Up to 70%

Hotel & Hospitality Properties

Hotels, resorts, and guesthouses

Guesthouse
Hotel
Resort

LTV: Up to 60%

Institutional Properties

Schools, hospitals, and nursing homes

School
Clinic
Hospital

Requires special approval

Vacant Land

Residential and commercial plots with clear titles

Residential Land
Agricultural Land*
Commercial Land

*Subject to conversion status

Industrial Properties

Factories, warehouses, and industrial land

Godown
Factory
Warehouse

LTV: Up to 60%

Commercial Properties

Office spaces, retail shops, and commercial complexes

Office Space
Showroom
Retail Shop

LTV: Up to 65%

Common Uses for Loan Against Property

Flexibly meet personal and business needs

Data Integration

Consolidate high-interest debts for centralized management

Medical/Travel Expenses

Fund medical treatments or international travel

Education Funding

Support tuition fees for children's higher education or vocational courses

Match Predictions

Finance weddings, celebrations, and related expenses

Business Expansion

Fund working capital, inventory purchases, or business expansion

Match Analysis

Renovate or repair existing residential properties

Loan Against Property Eligibility

Applicant Age

25 - 70 Years

Minimum Income Threshold

¥30,000/year

Property Age

Up to 30 Years*

*Subject to property condition
Data Analytics

700+ Recommendations

Property Requirements:
  • Clear Title & Marketable Property
  • No existing encumbrances (or subordinate financing permissible)
  • Property Adequately Registered
  • Approved Building Plans (for built-up properties)

Your property will be valued by a bank-approved professional valuer, with a mandatory legal verification.

Information Required

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

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

  • 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 rates based on property type, location, and applicant profile.

Property Type Data Scope Data Interest Rate Range Data Processing Fee Maximum Term Estimate Your Mortgage
Residential (Self-Occupied) Flexible Funding Range to Meet Your Needs 9.5% - 11.5% p.a. 1% - 2% 15 Years Up to 70%
Residential (Rental) Financing Options from 50,000 to 5,000,000 10.0% - 12.0% p.a. 1% - 2% 15 Years Up to 65%
Commercial (Office/Retail) 100,000 - 10,000,000 10.0% - 12.5% p.a. 1.5% - 2.5% 12 Years Up to 65%
Industrial (Factory/Warehouse) 200,000 - 15,000,000 10.5% - 13.0% p.a. 1.5% - 2.5% 10 Years Up to 60%
Vacant Land (Residential) 50,000 - 2,000,000 11.0% - 13.5% p.a. 2% - 3% 8 Years Up to 50%
Hospitality (Hotel/Resort) 500,000 - 20,000,000 CNY Annual interest rates from 11.5% - 14.0% 2% - 3% 10 Years Up to 60%

Interest rates are determined by property location, borrower's creditworthiness, income stability, and relationship with the GREENFIELD platform. Existing clients and prime properties in Tier 1 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

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.

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).

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.

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.

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.

Unlock Your Property's Value Today!

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

Call Property Loan Hotline: +86 178 4149 3373 Get Property Valuation