What is the maximum LTV for LAP?

For residential properties, banks usually offer up to 65% of the market value. For commercial properties, this is lower, typically around 50%.

Which is better: Personal Loan or LAP?

LAP is significantly cheaper (9-11% interest) compared to Personal Loans (12-18%). However, LAP requires collateral and has a longer processing time.

Loan Against Property Calculator

Calculate EMI and max eligibility for Loan Against Property (LAP). Compare residential vs commercial mortgage rates.

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Quick Summary: Loan Against Property Calculator

Loan Against Property (LAP) allows you to unlock equity from your real estate. Lenders typically offer 50-65% of the property's market value. For residential property, the LTV (Loan-to-Value) is higher (65%), while for commercial property, it is capped at 50%. Banks also check your FOIR (Fixed Obligation to Income Ratio), usually limiting total EMIs to 55% of your gross monthly income.

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EMI Calculator

Loan Eligibility Calculator

Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.