Unlock Your Property's Hidden Value for Business & Personal Growth
Get ₹10 Lakh to ₹10 Crore at Lowest Interest Rates Against Your Residential or Commercial Property
Loan Against Property at the Best Interest Rates
Why Choose CapitalCow for Loan Against Property?
Highest Value Realization
Up to 75% of Property Value – Maximum loan amount
Lowest Interest Rates – Starting at 9.5% p.a.
Longest Tenure – Up to 15 years
Complete Flexibility
No End-Use Restrictions – Business expansion, education, wedding, medical needs
Multiple Repayment Options – EMI, Step-up/Step-down, Flexible
Part-prepayment Facility – Reduce principal anytime
Loan Against Property Definition
What is Loan Against Property?
A Loan Against Property (LAP) allows you to mortgage your residential or commercial property to avail a large loan amount while retaining ownership and usage rights. It’s the smart way to leverage your property’s value for significant financial needs.
What are the features of Working CapitalCow
Loan Against Property Features & Benefits
| Feature | Benefit to You |
|---|---|
| High Loan Amount | ₹10 Lakh to ₹10 Crore based on property value |
| Low Interest Rates | Starting at 9.5% p.a. – lowest in market |
| Long Tenure | Up to 15 years for comfortable repayment |
| Minimum Documentation | Simple property and income documents |
| Balance Transfer | Switch from high-cost LAP to save money |
Eligibility and Documentation for Loan Against Property
Eligibility Criteria
For Salaried Individuals:
Age: 25 to 70 years
Employment: Minimum 3 years total, 1 year current
Income: ₹40,000+ monthly
CIBIL Score: 650+
For Self-Employed/Business Owners:
Age: 25 to 65 years
Business Vintage: Minimum 3 years
Profitability: Last 2 years profitable
ITR: Minimum ₹6 Lakh annual income
Property Eligibility:
Residential Properties: Self-occupied, rented, inherited
Commercial Properties: Office spaces, shops, warehouses
Location: Tier 1, 2, and 3 cities across India
Compare Loan Against Property Interest Rates
Interest Rates & Charges
Competitive Rates for All Profiles
| Applicant Type | Interest Rate | Processing Fee |
|---|---|---|
| Salaried Individuals | 9.5% – 12% p.a. | 1% – 2% |
| Self-Employed Professionals | 10% – 12.5% p.a. | 1% – 2% |
| Business Owners | 10.5% – 13% p.a. | 1% – 2% |
Note: Rates based on income, credit profile, and property value
Numbers Speak
The numbers are growing with every instant DSA Business Loan disbursal.
Customer Testimonials
What Client Says
I needed a business loan for my small business loan requirement and I received funds from the best lenders in the market with the help of CapitalCow without any hassle.
Kunal Sharma, Mumbai
Instant Business Loan
Got an online business loan without any paperwork and at the lowest interest rate possible. Apply online for business loan and get business loan quickly in your bank account.
Pulkit Jindal, Ahmedabad
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