Loan Against Property

Your property's value, in your hands.

Use your residential or commercial property to raise a large loan for business or personal needs — and keep living in or using it.

High loan amounts

Lower rates than personal loans

Tenure up to 15 years

Residential or commercial

Calculate EMI

100% safe & confidential

Apply for Loan Against Property

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A MyCashBridge loan expert will call you within 24 hours. Please keep your phone handy.

Why this loan

Big funding at a fair rate

Borrow against property you already own

Lower interest than an unsecured loan

High loan-to-value, large ticket sizes

Use funds for business or personal needs

Continue to use or occupy your property

Long tenure keeps EMIs manageable

Indicative rates

Loan Against Property rates from HDFC Bank

Indicative only — your final rate depends on your profile, income and credit history. Final terms are set by the lender.

Lending partner	Interest rate (p.a.)	Processing fee	Max tenure
HDFC Bank	9.00% – 11%	Up to 1%	15 yrs

EMI calculator

Know your EMI before you borrow

Slide to your amount and tenure. The total payable updates instantly — what you see is what you pay, all-in.

Estimate your EMI

Loan amount

Tenure

Monthly EMI

· all-inTotal

Eligibility

Who can apply

Own a residential or commercial property

Indian resident aged 24 to 65 years

Clear and marketable property title

Salaried or self-employed with stable income

Property should be free of major legal disputes

Documents

What you'll need

PAN, Aadhaar and address proof

Property ownership and title documents

Income proof: salary slips / ITR & financials

Bank statements for the last 6 months

Latest property tax receipts

How to apply

Get your loan against property in 4 simple steps

Share property & need

Tell us about your property and how much you'd like to raise.

Get an offer

An expert assesses value and eligibility, then calls with a clear offer.

Valuation & legal check

The property is valued and its title verified by the lender.

Sanction & disbursal

On approval, funds are disbursed to your account.

FAQs

Loan Against Property — common questions

It's a secured loan where you pledge your residential or commercial property as security to borrow a large amount, usually at a lower rate than an unsecured loan. You continue to own and use the property.

Typically 50–70% of the property's market value, depending on the lender and property type.

Yes. Both residential and commercial properties are generally accepted, subject to clear title and valuation.

Business expansion, working capital, education, medical needs, debt consolidation — almost any legitimate large expense.

As with any secured loan, default can lead the lender to recover dues from the property. Always borrow within your comfortable repayment capacity.