• Loan Against Property banner
  • Loan Against Property banner
  • Loan Against Property banner

Loan Against Property

Unlock the Potential of Your Property

  • Starting rate of 9.75%
  • Loan-to-value of up to 85%
  • Loan of up to INR 15 Cr
  • Flexi funds facility

Apply Now

About Godrej Finance - Loan Against Property

Loan Against Property (LAP) is a secured mortgage loan that allows you to unlock the financial value of your property while continuing to own and use it. By mortgaging your residential, commercial, or industrial property, you can access substantial funds at competitive interest rates. Loan Against Property that can be used for business expansion, education, medical expenses, debt consolidation, or personal milestones. With Godrej Finance - Loan Against Property, you benefit from transparent terms, flexible repayment options, and quick approvals.

High loan amount up to

INR 15 crore


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Interest rates starting from

9.75% p.a.


Interest rates banner

High loan-to-value up to

85%


High loan-to-value banner

High loan tenure up to

25 years


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Feature for Loan Against Property

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Design Your EMI

Your EMI, Your Choice! Personalize your EMI payments as per your cash flow requirements.

Adapt your loan repayments to suit your financial needs. Take advantage of the interest-only period to support your personal or professional goals—big or small.

  • Choose to pay only interest for up to 36 months
  • Schedule your EMIs as per your convenience, capability, and comfort

Apply Now
Know More

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Grow With Nirmaan

Growing your business just got easier! Explore Nirmaan - your one-stop solution for all business needs.

Expand locally and globally, navigate government tenders, manage employees, streamline operations, transfer funds securely, get compliance support, and more with Godrej Nirmaan's comprehensive ecosystem.

  • Exclusive partner offerings with discounted pricing
  • Savings of up to INR 50,000
  • Zero registration fees, simply visit Godrej Nirmaan

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Flexi Funds

Explore ready access to funds in a few simple clicks with Flexi Funds, an Overdraft-like facility.

Withdraw funds from a sanctioned limit and repay based on your convenience with Flexi funds, an easy-to-use Overdraft-like facility. Flexi Funds brings you the flexibility to manage the cash flow needs of your businesses.

  • No fixed EMIs - Interest only charged on the amount you withdraw
  • Repayment tenure of up to 15 years
  • Sanctioned limit of up to INR 15 crore

Apply Now
Know More

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Loan Against Property Calculator for EMI and Tenure

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Home Loan

Plot Loan

Property Loan

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Interest Rate and Document for Loan Against Property

Interest Rate

Find security in Godrej Finance's low interest rates and ensure a secure financial path.
Indian Resident Salaried

9.75%

per annum onwards

Business Self-Employed
9.75%

per annum onwards

Professional Self-Employed
9.75%

per annum onwards

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* Disclaimer: All contents mentioned on this page, including documents, eligibility may vary for each borrower and are subject to the lender's discretion. The content is subject to change without prior notice.
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Frequently Asked Questions

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Get access to 13+ partners to build, plan and grow your business

Register Now

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Explore Loan Against Property Offer in Your City

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Explore More Products

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Stories in Focus - Blogs

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/about-us/blogs/loan-against-property/udyog-loan-against-property-all-you-need-to-know

/about-us/blogs/loan-against-property/what-is-loan-to-value-ratio-ltv-in-a-loan-against-property

/about-us/blogs/loan-against-property/mistakes-to-avoid-when-applying-for-a-loan-against-property

/about-us/blogs/loan-against-property/loan-against-property-for-personal-expenses-is-it-possible

/about-us/blogs/loan-against-property/all-about-loan-against-property

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ⓘ Need more information or answers to your questions in the meantime? Check out FAQs
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Question-1
What is a Loan Against Property (LAP)?
Answer-1
It is a loan against fully constructed, freehold residential and commercial properties for personal or business needs. The obtained funds can be utilized for various purposes, such as covering wedding expenses, medical costs, or funding a child's education etc. You can also transfer your existing Loan Against Property (LAP) from other banks and financial institutions to Godrej Finance.
Question-2
What is maximum funding that I can avail on a property as LAP?
Answer-2
For new customers, you can get funding up to 85% of the property value depending on the segmentation and the property type. But, for existing customers, the principal outstanding on all existing loans and the Loan Against Property being availed should not cumulatively exceed 60% of the market value of the mortgaged property as assessed by Godrej Finance.
Question-3
Who can avail a Loan Against Property (LAP)?
Answer-3
Both salaried as well as self-employed individuals have the option to obtain a Loan Against Property (LAP) with no end-usage restrictions. The loan availed can be utilised for professional needs such as business expansion, debt consolidation, and various personal needs including homeownership, marriage, child education etc.
Question-4
What is the maximum term for which I can avail a Loan Against Property (LAP)?
Answer-4
You can avail of Loan Against Property for a maximum term of up to 25 years subject to internal policies of a lending institution.
Question-5
Can I avail Loan Against Property (LAP) for a commercial property?
Answer-5
Yes, Loan Against Property (LAP) can be availed of against fully constructed and freehold commercial properties.