Get a Loan Against on Your Property Value
Up to 70–90% of Your Asset’s Value
Loan Against Property
Enter your details to explore suitable LAP options based on your property and eligibility.
Loans based on your eligibility and property value.
25+ trusted lending partners.
Competitive rates and flexible EMIs.
Transparent terms and expert guidance.
Eligibility and Documents Required for a Loan
Check your eligibility and keep the required documents ready for a smooth and hassle-free loan process.
- The borrower should be between 23 and 60 years of age.
- The borrower can be self-employed or salaried.
- The property should be in the borrower's name with valid documents.
- You need 3–6 months of bank statements, recent salary slips, or Form 16 if you are salaried.
Low CIBIL Score? No Worries!
Our team can help you understand your CIBIL score and provide guidance on how to improve it.
Why You Should Choose Hello Credit for Your Loan Against Property
Hello Credit helps you with guidance, loan options, interest rates, tenures, and other details before making a decision.
Best Loan-to-Value
You can avail a loan of up to 70%–90% of your property's value based on age, employment type, and salary.
Lending Partners for You
We have official lending partners such as Bajaj Housing, Utkarsh, Home First Connect, IIFL and Muthoot Fincorp that offer loan options with competitive Loan-to-Value (LTV) ratios, interest rates, EMI options, and flexible tenures.
Help with Improving Your CIBIL Score
If your loan is rejected due to a low CIBIL score, Hello Credit can provide guidance to help you improve it. We aim to educate customers and help them make informed financial decisions.
Mortgage Options for Property Purchase
Not only can you take a loan against your existing property, but you can also purchase a house or land and use the property as collateral to secure a loan, subject to lender eligibility and terms.
Multilingual Support
Our team provides support in multiple Indian languages, including Kannada, Telugu, Hindi, Tamil, and English, making it easier to understand loan terms and available options clearly.
Loan Processing Support
Eligibility checks, document verification, and other loan processing steps will be completed within 4 weeks, subject to eligibility and verification.
Process for Getting a Loan Against Your Property
Follow our step-by-step process to get the loan with ease.
Start Your Application
Click the “Apply Now” button and enter your name, phone number, and OTP, along with the required documents.
Eligibility and Verification
Our Hello Credit team will contact you to check your eligibility for the loan, including a CIBIL score check, age verification, and document verification.
Resolving the Issue
If you are not eligible, our team will explain the reason and guide you on the steps you can take to resolve the issue.
Explaining Loan Details
Our team will suggest a lending partner based on your loan amount, interest rate, tenure, Loan-to-Value (LTV) ratio for your property, and EMI options. All loan details, charges, and terms will be explained clearly and transparently.
Loan Disbursement
The loan amount will be disbursed to your bank account within 4 weeks, subject to your requirements, eligibility, and completion of the required verification process.
Calculate Your Loan Against Property EMI
If your loan amount is ₹30 lakh at a 9% interest rate for 10 years, then your EMI amount will be ₹38,000. Calculate yours.
Estimated Monthly EMI
₹1,29,398
Good to Have for a Better Chance of Loan Approval
The factors below can help you understand your loan eligibility. However, actual requirements and benchmarks may vary by lender.
Before You Take a Loan Against Property: 9 Questions to Ask
Before applying, understand the key loan terms, costs, EMI, eligibility, and repayment details to make an informed decision.
How much percentage of my property value can I get as a loan?
How much loan amount can I get?
What interest rate and loan tenure are being offered?
What additional charges apply?
What will my monthly EMI be?
Can I compare loan offers from different lenders before choosing one?
What documents do I need to apply for a Loan Against Property?
How long will it take to process and disburse the loan?
What happens to my property after I take the loan?