Loan Against Property

Unlock the Potential of Your Property

  • Starting rate of 9.50%
  • 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

₹ 15 crore


High loan amount banner

Interest rates starting from

9.50% p.a.


Interest rates banner

High loan-to-value up to

85%


High loan-to-value banner

High loan tenure up to

25 years


High loan tenure banner
style
global-title-top-padding, global-top-padding-tab, font-style,lap-cards
animation
true
animation-threshold
0.2

Feature for Loan Against Property

style
Padding-v1, global-title-component-padding, global-top-padding-tab
timing
100
teaser-target-id
homepage-carousel-secondary
style
Hero-carousel-secondary
summary
*Loans offered/financed by Godrej Finance - T&Cs apply
pagination
true
progressbar
false

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

mobile-alignment
center
desktop-text-alignment
left
desktop-text-placement
left
type
carousel-v1
hide-button
primary
hide-button
secondary
teaser-target-id
homepage-carousel-secondary
Text-color
white

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

Apply Now
Know More

mobile-alignment
center
desktop-text-alignment
left
desktop-text-placement
left
type
carousel-v1
hide-button
primary
hide-button
secondary
teaser-target-id
homepage-carousel-secondary
Text-color
white

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

mobile-alignment
center
desktop-text-alignment
left
desktop-text-placement
left
type
carousel-v1
hide-button
primary
hide-button
secondary
teaser-target-id
homepage-carousel-secondary
Text-color
white
timing
100
teaser-target-id
homepage-carousel-secondary
style
Hero-carousel-secondary, term-condition-padding, know-more-color, rebrand-sec
summary
*Loans offered/financed by Godrej Finance - T&Cs apply
pagination
True
progessbar
True
Unlock the value of your property with low-interest loans
Apply Now

Loan Against Property Calculator for EMI and Tenure

style
global-title-top-padding, global-title-top-padding-tab, calculater-heading, home-cal-heading
loan-amount-title
Loan Amount
loan-amount-min-value
5000000
loan-amount-max-value
150000000
loan-amount-step
25000
Interest-rate-title
Interest Rate
Interest-rate-min-value
9
Interest-rate-max-value
14
tenure-title-year
Loan Tenure (Year)
tenure-min-year-value
1
tenure-max-year-value
30
tenure-title-months
Loan Tenure (Months)
tenure-min-month-value
0
tenure-max-month-value
11
tab-title
EMI Calculator
calculator-id
homepage-calculator
style
Cal,no-padding, home-emi
Principal-amount-label
Principal Amount
Monthly-emi-label
Your Monthly EMI
Monthly-emi-label-mobile
Monthly EMI
Interest-payable-label
Interest Payable
Total-amount-payable-label
Total Amount Payable
Interest-rate-label
Interest Rate @
Total-tenure-label
Total Tenure
Apply-now-label
Apply Now
redirection-path-emi
/apply-now/loan-against-property?category=loan_against_property&gtm=homepage_herobanner_lap_applynow
Rupee-symbol-english
INR
Percent-symbol
%
Year-span-label
Yrs.
Month-span-label
Mos.
Year-input-min-label
Year
Year-input-max-label
Years
Month-input-min-label
Month
Month-input-max-label
Months
Chart-year-symbol
Y
Chart-month-symbol
M
Chart-month-year-separator
|
Error-message-loan
Please enter value within range.
Error-message-interest
Please enter value within range.
Error-message-year
Please enter value within range.
Error-message-month
Please enter value within range.
income-title
Net Monthly Income
income-min-value
50000
income-max-value
2500000
existing-emi-title
Existing EMIs
existing-emi-min
0
existing-emi-max
1500000
Income-amount-step
25000
existing-emi-step
25000
interest-rate-title
Interest Rate
Loan-interest-rate-min-value
6
Loan-interest-rate-max-value
15
tenure-title-year
Loan Tenure (Year)
Loan-tenure-min-year-value
1
Loan-tenure-max-year-value
30
tenure-title-months
Loan Tenure (Months)
Loan-tenure-min-month-value
0
Loan-tenure-max-month-value
11
product-list

Home Loan

Plot Loan

Property Loan

redirection-path
/apply-now/loan-against-property?category=loan_against_property&gtm=homepage_herobanner_lap_applynow
redirection-path-mobile
/apply-now/loan-against-property?category=loan_against_property&gtm=homepage_herobanner_lap_applynow
select-product-place-holder
Select Product
font-size
18
Select-product-label
Select The Product You Are Interested In?
Interest-rate-label
Interest Rate @
Total-tenure-label
Total Tenure
Year-label
Y
Month-label
M
Tenure-separator
|
Principal-amount-label
Principal Amount
Interest-payable-label
Interest Payable
Loan-eligibility-label
Your Loan Eligibility Amount:
Total-amount-label
Total Amount Payable
Monthly-emi-label
Your Monthly EMI
Monthly-emi-label-mobile
Monthly EMI
Mobile-year
Years
Mobile-month
Months
Apply-now-button
Apply Now
Loan-Rupee-symbol-english
INR
Percent-symbol
%
Year-span-label
Yrs.
Month-span-label
Mos.
Year-input-min-label
Year
Year-input-max-label
Years
Month-input-min-label
Month
Month-input-max-label
Months
Error-message-loan
Please enter value within range.
Error-message-existing-emi
Please enter value within range.
Error-message-interest
Please enter value within range.
Error-message-year
Please enter value within range.
Error-message-month
Please enter value within range.
Select-error-message
Please select the dropdown
Tab-title
Loan Eligibility Calculator
Calculator-id
Homepage-calculator
Style
Cal, hide-dropdown, home-eligibility

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

9.50%
per annum onwards

Business Self-Employed

9.50%
per annum onwards

Professional Self-Employed

9.50%
per annum onwards
queryIndexUrl
/interest_rate_document/query-index.json
interestRateTitle
Find security in Godrej Finance's low interest rates and ensure a secure financial path.
viewCompleteLabel
View Complete List of Documents
viewCompleteLabelRedirection
https://godrejhf.com/ghf/information-and-policies?target=accordion.active&category=customer_information&show=Identity_And_Address_Proof_Documents&open_in_new_tab=true
disclaimer
*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.
style
global-padding , global-padding-tab, lap-document
pagename
loans-against-property
quesansurl
/support/faq-ques-ans-sheet.json
desktopTitle

Frequently Asked Questions

cannotfindlabel
Can’t find what you are looking for?
viewallbuttonlabel
View All
viewallbuttonredirection
/support/faqs?category=loan_against_property
faqqMobileTitle

Frequently Asked Questions

productPageName
Loan Against Property
style
global-padding,global-bottom-padding-tab
viewAllRedirectionIcon

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

Register Now

style
global-padding, global-bottom-padding-tab
testimonial

Explore Loan Against Property Offer in Your City

LAP in Mumbai

/loan-against-property/mumbai

LAP in Bangalore

/loan-against-property/bangalore
Hyderabad Icon, Picture

LAP in Hyderabad

/loan-against-property/hyderabad

LAP in Pune

/loan-against-property/pune

LAP in Chennai

/loan-against-property/chennai

LAP in Delhi

/loan-against-property/delhi

LAP in Ahmedabad

/loan-against-property/ahmedabad
style
global-padding-tab, global-no-padding-mobile, global-top-padding

Explore More Products

Queryindexurl
/content/seo-fragments/query-index-ulap.json
tabs-name-ordering
Business
Mobile_view_heading
Explore More Products
Animation
true
Animation-threshold
0.2
style
Different-types-v1, different-types-v2, global-title-top-padding
timing
2
teaser-target-id
homepage-carousel-secondary
style
Hero-carousel-secondary
summary
*Terms and Conditions Apply
pagination
true
progressbar
false

Stories in Focus - Blogs

style
Global-top-padding-mobile

/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/loan-against-property-vs-flexi-funds

read-more-label
Read More
Not-found-msg
Sorry, couldn’t find what you’re looking for.
style
global-padding ,global-bottom-padding-tab

Connect with Our Customer Support Team

false

Customer Support

true
Guroo Chatbot
false
WhatsApp Chat
false
Customer Portal Login
false
022-68815555
false
Email Support
false
Customer Care
true
Send an Email
true
ⓘ Need more information or answers to your questions? Check out FAQs
false
style
global-bottom-padding, mobile-last-padding, global-bottom-padding-mobile, tab-last-padding
WhatsApp Support
Quick Apply
style
Quick-tools-component
type
FAQPage
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.
https://www.godrejcapital.com/applynowformbottom/applynowformbottom.json
Apply for a Loan Against Property in a minute!
style
from-metadata-section ,global-bottom-padding-tab
outSource
GodrejCapitalWebsite
mx_Refferal_Type
google, bing, yahoo, duckduckgo, baidu,
termsandconditionsurl
/other-page/terms-and-condition?open_in_new_tab=true
TermsAndConditionsLabel
Terms & Conditions
thankuPageUrl
/apply-now-form/thankyou
editNumberLabelMobileAndTablet
Edit
authkey
0xy6fLPHQ0WfX59VKaAZGI54b2S38077
generateOtpApiUrl
https://h9qipagt5.godrejfinance.com/v1/ehf/outsources/generateotp
validateOtpApiUrl
https://h9qipagt5.godrejfinance.com/api/v1/shared/aemvalidateotp
nameValidationErrorMessage
Please enter a valid name
emailValidationErrorMessage
Please enter a valid email address
mobileValidationErrorMessage
Please enter a valid mobile number
wrongOtpValidationErrorMessage
Please Enter Valid OTP
loanTypevalidationErrorMessage
Please select at least one loan type
emptyOtpFieldValidationMessage
Please enter 4-digit OTP number
nameLengthError
Name length should be less then 50 characters
emailLengthError
Email length should be less then 254 characters
networkErrorLabel
Network Error Occurred
checkboxvalidationerrormessage
Please select checkbox
thankyouMessageTime
3000
Thank you for your valuable feedback