Loans
Loan Against Property
Turn property you already own into working capital.
Raise a high-value loan against residential or commercial property you own — while you continue to own and use it.
Up to 70%
Approx. LTV
9% - 12%
Approx. Rate p.a.
₹5L
Min. Amount
Indicative Rates Disclaimer
The Loan-to-Value (LTV) ratios and interest rates displayed on this website are indicative only and are subject to change without notice. All rates and LTV figures are provided for general informational purposes and do not constitute a formal offer, commitment, or guarantee of any financial product or service.
In focus
Loan Against Property
Already a client?
Access your portal
Calculator
Plan your numbers
Loan Against Property EMI
Estimate the monthly instalment on your facility
Monthly EMI
₹21,002
Indicative EMI. Actual terms confirmed after review.
Overview
What is Loan Against Property?
A loan against property is a secured loan raised by pledging a residential or commercial property you own. You keep ownership and continued use of the property; the lender holds a charge on it until the loan is repaid. Being fully secured, it typically offers a larger ticket size, a longer tenure and a lower rate than an unsecured loan, and the funds can be used for business or personal needs.
Why consider it
- Borrow against residential or commercial property
- Retain ownership and continued use throughout
- Larger ticket sizes and longer tenures
- Use the funds for business expansion or personal needs
Process
How it works
A concise, largely digital journey from enquiry to disbursal.
Share your requirement
Tell us what you need and the asset you'd like to borrow against.
Submit documents
Provide a short set of documents — largely digital, no branch visit.
Assessment & approval
We assess your profile and the collateral, and confirm your terms.
Funds disbursed
On acceptance, the amount is transferred to your registered bank account.
Why AltWealth
Liquidity without disruption
Your investments stay invested
Borrow against your holdings without selling — your NAV and long-term returns keep compounding.
Quick, digital disbursal
A concise online application with approvals typically in 24–48 hours. No branch visits.
No credit-score hurdle
The facility is secured against your securities, so a CIBIL score isn't the gate.
Regulated lenders
Facilities are arranged with RBI-regulated lenders, with a digital lien on your holdings.
FAQs
Frequently Asked Questions
What kind of property qualifies?
Self-owned residential or commercial property with clear, marketable title is generally accepted. Final eligibility depends on valuation and documentation.
Can I still use the property?
Yes. You retain full ownership and use of the property; the lender only holds a charge on it as security until the loan is closed.
How much can I borrow?
The amount is a share of the property's assessed market value. Actual limits are confirmed after valuation and a review of your profile.
What can the funds be used for?
The funds are typically unrestricted and can be used for business expansion, working capital, education, or other significant personal needs.