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LAP / Mortgage Loan Amount Calculator

Calculate the loan amount you can get against your property. Based on LTV ratio, property value and income.

Property market value₹50L

LTV % (bank typically offers 50–75%)65%

Existing loan obligations (monthly EMI)₹0

Monthly income₹1,00,000

Property-based eligible amount

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Income-based eligible amount

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Estimated EMI (11%, 15 yrs)

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About LAP (Loan Against Property)

LTV ratio: Banks lend 50–75% of property market value. Residential properties get higher LTV than commercial.

Interest rate: LAP rates typically range from 9.5% to 13% — much lower than personal loan rates.

Tenure: Up to 15 years for LAP — making EMIs affordable even for large loan amounts.

Property types: Residential, commercial, industrial, and agricultural land (some banks) qualify.

Income criterion: Your monthly EMI must not exceed 50% of net monthly income.

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