How much can I borrow against my property?

Two ceilings apply and the lower one wins: the loan-to-value cap, normally 50% to 70% of the lender’s own valuation, and what your income can service under FOIR. For most people it is the income that binds, not the property.

Will the lender agree with my valuation?

Almost certainly not, and usually not in your favour. The lender appoints its own empanelled valuer, who works from the circle rate and recent comparable sales. Plan on a figure below what you believe the property is worth.

What happens if I cannot repay a loan against property?

The property is the security, and the lender can take possession and sell it under the SARFAESI Act to recover the dues. This is a serious commitment and should only be taken for a productive purpose, never for consumption.

How accurate is this calculator?

The arithmetic is exact and uses the same formula lenders use. What it cannot know is your actual rate, which the lender sets after looking at your credit score, income and documents. Treat the result as a solid planning figure, and the sanction letter as the real one.

Loan Against Property Calculator

Work out how much you can raise against a property at a given loan-to-value ratio, and what the EMI on that amount would be.

Your numbers

Move a slider or type a number. Everything updates instantly, and the link above carries your values so you can share or save them.

Market value of the property

One crore

Use a realistic figure. The lender's own valuer is usually more conservative than you are.

Loan to value the lender allows

Typically 50% to 70% for residential, and lower for commercial.

Interest rate

% p.a.

Tenure

months

Your monthly income

EMIs you already pay

What you can realistically raise

₹60,00,000

Limited by the property value at this LTV. Your income could support more.

Ceiling from the property: ₹60,00,000
Ceiling from your income: ₹67,84,881
You can raise: ₹60,00,000

EMI on that amount

₹66,324

every month for 15 yr

50%is interest

Principal: ₹60,00,000
Total interest: ₹59,38,308

Loan amount: ₹60,00,000
Total interest: ₹59,38,308
Total you repay: ₹1,19,38,308

Remember what is at stake: this loan is secured on your property, and a default can cost you the property itself.

What you still owe, year by year

How this is calculated

Eligible loan = property value x LTV%. Then the standard EMI formula.

Nothing is hidden. The same formula runs in a shared, unit-tested library used by every calculator on this site.

LAP

Property value to eligible loan, then EMI

Related calculators

These numbers are indicative. Your actual offer depends on the lender.

This calculator assumes the rate stays the same for the whole tenure. Most loans in India are floating rate, so your EMI can move when the RBI changes rates. Tell us your real situation and we will give you a figure you can plan around.

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Questions

LAP questions

What people ask us most about this calculation.

Numbers are one thing. An approval is another.

We will tell you which lenders are likely to say yes to your file, and at roughly what rate, before you apply anywhere.

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