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About Loan Against Property?

A loan against property (LAP) is exactly what the name implies -- a loan given or disbursed against the mortgage of property. The loan is given as a certain percentage of the property's market value, usually around 40 per cent to 60 per cent.Loan against property belongs to the secured loan category where the borrower gives a guarantee by using his property as security.

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   » Address Proof.
   » Income Proof of the applicant & co-applicant.
   » Last 6 months bank A/C statement.
   » Passport size photograph of the applicant & co-applicant.

Loan Against Property Loan Rate of Interest
Banks Interest Rate Banks Interest Rate
ICICI Bank 12% HDFC Bank 12.75% to 13.5%
State Bank Of India - Fullerton India 15.5%
AXIS Bank 13.25% to 13.50% Kotak Bank 12.5% to 13%
Standard Chartered 11.75% Citibank 11.5%
Bank of Baroda 11.75% Corporation Bank -
ING Vysya 12% to 13% Andhra Bank -

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