Loan Against Property — BazaarBraker

Why pick this loan through BazaarBraker?

Up to 60-70% of the property's market value, depending on property type
Rates 3-5 percentage points lower than unsecured personal loans
Long tenures up to 20 years keep your EMI manageable
Use the funds for any legitimate purpose — business, education, medical, debt consolidation
Continue to own and use the property; the lender only places a charge on it

Who's eligible?

Each lender sets its own criteria — these are the typical baselines. We'll match you only with lenders whose rules you actually meet.

Salaried or self-employed, between 21 and 70 years
Property must be self-owned with clear title
Property types: residential, commercial, and certain industrial
CIBIL score of 700+
Minimum income of ₹25,000 per month

What you'll need.

Standard documents. Upload once. We share them only with the lender you choose to apply to.

PAN, Aadhaar, address proof
Income proof: salary slips and ITR (salaried), or ITR and audited financials (self-employed)
Property documents: sale deed, mother deed, NOC from society
Latest property tax receipt and electricity bill
Bank statements for the last 12 months

Live rates

Indicative rates from our partners.

Rates as of 2025. Your final offer depends on the lender's assessment of your profile.

Lender	Interest rate	Processing fee	Max tenure
SBI	9.50% – 11.00%	Up to 1.00%	15 years
HDFC Bank	9.50% – 10.65%	₹4,500 flat	15 years
ICICI Bank	9.85% – 12.00%	Up to 1.00%	15 years
Axis Bank	10.50% – 13.00%	Up to 1.00%	20 years
Bajaj Finserv	10.50% – 15.00%	Up to 1.50%	15 years
PNB Housing	10.25% – 13.00%	Up to 0.50%	15 years
Tata Capital	10.50% – 15.00%	Up to 1.00%	15 years

* Rates are indicative and subject to change without notice. Final rate depends on credit score, income, and lender's policy.

FAQ

Things people ask.

Quick answers to the questions that come up most often.

Self-owned, freehold residential and commercial properties with clear title. Leasehold properties (like DDA flats) are accepted with caveats. Agricultural land is usually not accepted.

The lender appoints an empanelled valuer who visits the property and produces a valuation report. This typically considers carpet area, location, age, condition, and local market rates.

Yes, you continue to own and use the property — including renting it out. The lender only has a lien (charge) on the property, which is released when the loan is repaid.

All co-owners must be co-applicants on the loan. Their consent and signatures are mandatory at every stage. Joint applications can also increase loan eligibility.

If the loan is used for purchasing or constructing a residential property, you can claim deductions under Section 24(b) for interest. If used for business purposes, the interest is deductible as a business expense. Otherwise, no tax benefit.

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