Unlock Your Property's Hidden Capital , Without Selling It
Most business owners and self-employed professionals sitting on property worth ₹1–5 crore are borrowing at 18–24% through unsecured loans and credit lines.
The same property can unlock funds at 8.25%–11% p.a. DealPlexus compares 12+ banks and HFCs , HDFC, ICICI, Axis, IDFC First, PNB Housing , negotiates your LTV, structures your application, and gets you the capital your property has already earned.
LTV up to 70–75% of property value. Rates from 8.25% p.a. Tenure up to 15 years.
Banks & HFCs Compared
Deals Closed
Rates From (p.a.)
Multi-Bank Access, Transparent Valuation, LTV Optimisation
A Loan Against Property is not complicated. But it is easy to get wrong , and the difference between a poorly structured LAP and a well-structured one can be ₹30–70 lakhs in available capital.
Access to 12+ banks and HFCs
HDFC Bank, ICICI Bank, Axis Bank, IDFC First Bank, PNB Housing Finance, and more , compared simultaneously on your actual profile.
LTV optimisation
Standard walk-in LTV: 60%. Well-structured DealPlexus application: up to 72–75%. On a ₹2 crore property, that's ₹24–30 lakhs of additional capital.
Property type expertise
Residential, commercial, industrial, and mixed-use properties across Tier 1 and Tier 2 cities. We identify lenders who actually fund your property type.
Transparent fee disclosure
Processing fees, valuation charges, legal costs , all disclosed upfront before you choose a lender. Nothing buried in the sanction letter.
Use case advisory
LAP vs business loan vs personal loan comparison for your specific need
Competitive bids
Multiple lenders, multiple valuations produce better LTVs and lower rates
One bank. One rate. One LTV. That is what you get alone. Twelve lenders. Competitive bids. Maximised capital. That is DealPlexus.
How Business Owners Leave ₹50 Lakhs Locked in Property
A self-employed professional owns a commercial property in Gurgaon valued at ₹2 crore. They need ₹60 lakhs for business expansion. They approach their primary bank, receive a personal loan offer at 16% for ₹40 lakhs , because the bank does not surface LAP as an option. They take it. Over 5 years, they pay ₹23+ lakhs in interest on a loan that could have been structured at 9.5% against the same property they already own.
Same property. Same borrower. DealPlexus structures the LAP application across 4 lenders. LTV comes in at 68% , ₹1.36 crore sanctioned. They draw ₹75 lakhs at 9.75% over 10 years. Monthly EMI: ₹98,000. Total interest over 10 years: ₹44 lakhs , versus ₹23 lakhs over just 5 years on a smaller personal loan at 16%.
And if they needed ₹1 crore , the LAP facility is already sanctioned. Draw when required.
Three ways capital stays locked unnecessarily
LTV blind spot
One bank quotes 60% LTV. Another, with a well-structured application, will approve 72%. On a ₹2 crore property that is ₹24 lakhs of additional capital from the same asset , for zero extra cost.
Wrong product choice
Unsecured business loans and credit lines at 18–24% when LAP at 9–11% is available against the same property. The monthly EMI difference alone can fund operations.
One-bank anchoring
A single valuation from a single lender sets the ceiling. Multiple lenders, multiple valuations , competitive bids produce better LTVs and lower rates.
Three Ways to Use Your Property's Hidden Capital
Business expansion, debt consolidation, or investment funding , LAP delivers long-tenure, low-rate capital without diluting equity. Choosing the wrong use case or wrong lender costs 1–2% more in interest. We make sure you structure it correctly.
Risk Level
Rate Range
8.25%–10.5% p.a.
LTV
Up to 70–75%
Tenure
Up to 15 years
Business Expansion , Working Capital, Equipment, Branch Setup
Working capital, equipment purchase, branch expansion, or inventory scale-up , LAP gives you long-tenure, low-rate capital without diluting equity or pledging receivables. For business use, interest paid on LAP is deductible as a business expense , making the effective cost significantly lower than the headline rate. DealPlexus factors this into your product comparison.
Risk: Secured against property. Business risk affects repayment capacity. Property can be seized on default.
Cost: 8.25%–10.5% p.a. Interest is tax-deductible for business use, reducing effective cost by 30%.
Timeline: 10–15 working days from document submission to disbursal. Property legal verification is the main timeline driver.
Suited for: Business owners needing capital for expansion. Self-employed professionals with property assets. Companies with audited financials.
LAP interest is tax-deductible for business use , we factor this into your comparison.
Risk Level
Rate Range
9%–11% p.a.
LTV
Up to 70–75%
Tenure
Up to 15 years
Debt Consolidation , Replace High-Cost Unsecured Debt
If you carry multiple unsecured loans at 16–24% , personal loans, business credit lines, credit card rollovers , a single LAP at 9–11% can consolidate everything. Lower EMI, single repayment, and substantial interest savings over the tenure. We model your total debt load, calculate break-even on switching costs, and show you the exact net saving before you proceed.
Risk: Secured against property. Risk of converting unsecured debt to secured , default puts property at risk.
Savings: 7–13% rate reduction vs unsecured. On ₹50 lakh over 10 years, saves ₹22–40 lakhs in interest.
Timeline: 10–15 working days. Payoff of existing loans coordinated with LAP disbursal to avoid gaps.
Suited for: Borrowers with multiple high-rate unsecured loans. Business owners with collateral. Those with stable cash flow to service LAP EMI.
We calculate break-even on switching costs , exact net saving before you proceed.
Risk Level
Rate Range
9%–11% p.a.
LTV
₹25L to ₹5 Cr+
Tenure
Up to 15 years
Investment Opportunity , Second Property, Business Acquisition, Pre-IPO
Time-sensitive investment opportunities , a second property, a business acquisition, a pre-IPO allocation , require capital that unsecured products cannot deliver at scale or speed. LAP delivers ₹1–5 crore at 9–11% with disbursal in 10–15 working days. We pre-screen lenders for speed of disbursal , not just rate , when timelines are critical.
Risk: Secured against existing property. Investment risk + leverage risk = amplified downside if investment underperforms.
Returns: LAP cost: 9–11%. Investment IRR must exceed this for positive arbitrage. Structured correctly, leverage can enhance returns.
Timeline: 10–15 working days standard. Fast-track LAP available for time-sensitive deals at select lenders.
Suited for: Investors with time-sensitive opportunities. Business acquirers. Real estate investors leveraging existing property.
We pre-screen for speed when timelines are critical , lowest rate is not always fastest.
Get Your Property Loan Estimate
Tell us your property value and loan requirement. We calculate your eligibility across 12+ lenders in 24 hours.
No hard credit inquiry. No commitment until you accept a lender offer. Full transparency on rates, LTV, fees, and tenure options before you decide.
Tell us your property value and loan requirement
property type, location, estimated value, amount needed
We calculate your eligibility across 12+ lenders
in 24 hours , no hard credit inquiry
Choose your offer and proceed
full transparency on rates, LTV, fees, and tenure options before you decide
Tell us your property value and loan requirement
property type, location, estimated value, amount needed
We calculate your eligibility across 12+ lenders
in 24 hours , no hard credit inquiry
Choose your offer and proceed
full transparency on rates, LTV, fees, and tenure options before you decide
DealPlexus , India's Financial Supermarket
LAP vs Personal Loan vs Business Loan
LAP vs Personal Loan vs Business Loan
| Feature | LAP | Personal Loan | Business Loan |
|---|---|---|---|
| Interest Rate | 9%-11% p.a. | 12%-24% p.a. | 13%-22% p.a. |
| Loan Amount | ₹25L to ₹5 Cr+ | Up to ₹40L | ₹10L to ₹1 Cr+ |
| Tenure | Up to 15 years | Up to 5 years | Up to 5-7 years |
| EMI (₹50L, 10 yr) | ~₹63,000 | ~₹72,000-₹85,000 | ~₹70,000-₹82,000 |
| Total Interest | ~₹25-30L | ~₹36-50L | ~₹34-48L |
| Collateral | Property | None | Secured / Unsecured |
| Processing Time | 10-15 working days | 2-5 days | 5-10 days |
| Tax Deductible | Yes (if used for business/income) | No | Yes (business use) |
Lender Rate Reference , February 2026
| Lender | Rate Range | Max LTV | Processing Fee |
|---|---|---|---|
| HDFC Bank | 8.50%–10.50% | 60–70% | Up to 1% |
| ICICI Bank | 8.75%–10.75% | 65–70% | 0.50%–2% |
| Axis Bank | 9.00%–10.50% | 60–70% | Up to 1% |
| IDFC First | 8.25%–10.00% | 65–75% | Up to 1% |
| PNB Housing | 8.75%–11.00% | 60–70% | Up to 0.50% |
| Bajaj Housing | 9.00%–11.50% | 65–75% | Up to 1.50% |
Rates are indicative and subject to change. Actual rate depends on credit profile, property type, LTV, and lender policy at time of application.
Loan Against Property
Get Your Property Loan Estimate , Free
Business Expansion · Debt Consolidation · Investment Funding , Compare LAP offers from 12+ banks and HFCs. Advisory-led. LTV optimised.
Rates From
8.25% p.a.
LTV
Up to 75%
Loan Amount
₹25L–5 Cr+
Calculate Your Property Loan Eligibility
Tell us your property value and loan requirement. We calculate your eligibility across 12+ lenders in 24 hours. No hard credit inquiry. No commitment until you accept a lender offer.
24-hour eligibility check. No obligation. SEBI Registered Investment Advisor. RBI Compliant.
DealPlexus , India's Financial Supermarket | SEBI Registered Investment Advisor | RBI Compliant | Gurgaon HQ: 443, 4th Floor, Tower A2, Spaze iTech Park, Sohna Road, Gurgaon 122001 | support@dealplexus.com | +91 7428100654
DealPlexus | India's Financial Supermarket | SEBI Registered Investment Advisor | RBI Compliant. All loan products are subject to lender approval and applicable regulations. Please read all terms and conditions carefully before applying.