Loan Against Property Calculator
Estimate your indicative property-backed loan amount, EMI, loan-to-value ratio, total interest and repayment based on your property and loan details.
Loan Against Property
Estimate your indicative LAP eligibility, EMI and total repayment based on the property value and loan terms.
Select a lender to load an illustrative starting rate and LTV. You can modify both values.
LTV means loan-to-value ratio. Actual lender limits depend on property, borrower profile and lender policy.
LAP Analysis
Estimate your property-backed loan
Maximum Indicative Loan
₹60,00,000
Based on the property value and indicative LTV entered above.
Requested loan is within the indicative LTV
Requested loan: ₹50,00,000 · Maximum indicative loan: ₹60,00,000
Estimated EMI
₹55,270
Loan-to-Value
50.0%
Total Interest
₹49,48,590
Total Repayment
₹99,48,590
Loan Summary
Estimated Cost
This calculator provides an illustrative estimate only. Actual loan eligibility, interest rate, LTV, property valuation, processing charges, taxes, documentation requirements and other terms are determined by the lender and may vary based on the applicant, property and loan product.
What is a Loan Against Property?
A Loan Against Property (LAP) is a secured loan where an eligible property is offered as security to the lender. Depending on the lender and applicant profile, residential or commercial property may be considered.
The amount that can potentially be borrowed is influenced by factors such as property valuation, applicable loan-to-value limits, income, repayment capacity, credit profile, property characteristics and lender policy.
The EMI calculation is based on the loan amount, applicable interest rate and repayment tenure. A longer tenure can reduce the monthly EMI but can increase the total interest paid over the life of the loan.
How the calculator works
Property Value
Enter the estimated market value of the property.
LTV Estimate
Apply the indicative loan-to-value percentage.
EMI Calculation
Calculate estimated EMI and total repayment using the entered rate and tenure.
Important information
The figures produced by this calculator are estimates for educational and comparison purposes. They are not a loan approval or sanction. Actual eligibility, interest rates, LTV, property valuation, processing fees, taxes, legal and technical charges, repayment terms and documentation requirements vary by lender and applicant.