🏢 Loan Against Property EMI Calculator

Apni property beche bina us par bada loan chahiye? Loan Against Property (LAP) sabse sasta secured option hai — home loan se thoda zyada, personal loan se kaafi kam rate par. Neeche loan amount, rate aur tenure daaliye — EMI turant.

📅 Last updated: October 2026

LAP EMI nikalein

Property par loan — EMI, interest sab kuch.

Loan amount

\u20b95 lakh\u20b92 crore

Interest rate (saalana)

8%15%

Tenure

5 saal20 saal

Monthly EMI hogi

₹32,238

per month

Loan amount₹30,00,000

Total interest₹28,02,868

Total payable₹58,02,868

Reducing-balance EMI — wahi formula jo banks LAP par use karte hain.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

How to Use

Apni property ki market value ka ~50–65% tak loan mil sakta hai — loan amount daalein.
Interest rate set karein (LAP ~9–12%).
Tenure chunein (5–20 saal tak milta hai).
EMI, total interest turant dekhein — personal loan se compare karein.

Formula

EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1)

Max loan ≈ property value × LTV — residential par 60–65%, commercial par ~50% LTV milta hai.

💡 Example

Example: ₹30 lakh LAP, 10% rate, 15 saal → EMI ≈ ₹32,238/month, total interest ≈ ₹28,02,868. Yahi loan personal loan (13%) par ≈ ₹37,957/month padta — LAP me har mahine ~₹5,719 ki bachat!

FAQs \u2014 Loan Against Property EMI

LAP me aap apni residential ya commercial property bank ke paas girvi (mortgage) rakhkar loan lete hain. Property aapke naam hi rehti hai — sirf bank ka lien lagta hai, jo loan chukane par hat jaata hai.

Bank LTV (loan-to-value) ratio par loan deta hai — residential property par 60–65%, commercial par ~50%. Matlab ₹60 lakh ke ghar par ~₹36–39 lakh tak loan mil sakta hai.

Aam taur par 9–12% — home loan (~8.5%) se thoda zyada, lekin personal loan (11–24%) se kaafi kam. Achha credit score par kam rate milta hai.

Salaried individuals ko aam taur par nahi milta. Agar loan business purpose ke liye hai to interest ko business expense claim kiya ja sakta hai — apne CA se zaroor confirm karein.

Haan — standard reducing-balance EMI formula use hota hai. Processing fee (1–2%) aur bank-specific charges EMI me included nahi hain.