₹80 lakh ki property par 60% LTV se lagbhag ₹48 lakh ka LAP mil sakta hai. 10% rate par 15 saal ke liye iski EMI ₹51,581/month banegi aur kul interest ₹44,84,588 lagega.
Loan Against Property (LAP) Calculator
Loan Against Property (LAP) kya hota hai?
LAP me tum apni property (ghar, dukaan, plot) bank ke paas girvi rakhkar uske badle loan lete ho. Property tumhari hi rehti hai, tum usme reh ya kaam kar sakte ho — bank ke paas sirf kagaz aur haq (charge) rehta hai. Kyunki bank ke paas security hai, LAP ka rate personal loan se kaafi kam hota hai — lekin home loan se zyada, kyunki paisa kisi bhi kaam me use ho sakta hai.
Bank property ki value ka ek hissa hi loan deta hai — isi ko LTV (Loan to Value) kehte hain. Residential property par aam taur par 60–70% aur commercial par 50–60% tak LTV milta hai. Upar ₹80 lakh ki property par 60% = ₹48 lakh nikla — yahi is calculator ka pehla hisaab hai.
LAP lene se pehle 4 baatein
- Property at risk hai: EMI na chuki to bank property bech sakta hai. Business ke ghate ko ghar par mat daalo — ye sabse badi chetavni hai.
- Tenure lambi milti hai: LAP me 15–20 saal tak ki tenure mil sakti hai, isliye badi rakam ki EMI sambhal jati hai.
- Processing aur legal kharch: Property verification, valuation aur legal charges home loan se zyada hote hain — total cost me ye jodkar dekho.
- Income phir bhi dekhi jati hai: Property hona kaafi nahi — bank tumhari repayment capacity (income/business cashflow) bhi aakta hai.
LAP business expansion, bachon ki shaadi/padhai ya kai mehenga loans ko ek saste loan me band karne (consolidation) ke liye samajhdari se istemal ho sakta hai — lekin jeb kharch ya share bazaar ke liye property girvi rakhna kabhi sahi kadam nahi.
FAQs
LAP aur home loan me kya fark hai?
Home loan ghar khareedne ke liye hota hai aur uska rate sabse kam hota hai. LAP pehle se tumhari property par milta hai, paisa kisi bhi (kanooni) kaam me lag sakta hai, aur rate home loan se 1–3% zyada hota hai.
LAP me kitna LTV milta hai?
Residential property par aam taur par 60–70%, commercial par 50–60% aur plots par isse bhi kam. Exact LTV property ki location, umar aur bank ki policy par depend karta hai — final number valuation ke baad tay hota hai.
Kya kiraye par di property par LAP mil sakta hai?
Haan, mil sakta hai. Kai bank rental income ko repayment capacity me bhi ginte hain. Occupied/self-occupied/rented — property ki sthiti LTV aur rate par halka asar dal sakti hai.
LAP foreclose karne par charge lagta hai?
Floating rate par liye gaye LAP me individuals ke liye aam taur par foreclosure charge nahi lagta (RBI niyam), lekin companies/firms ke loans aur fixed rate par lag sakta hai. Apna loan agreement check karo.
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