Property Finance
Loan Against Property (LAP) Eligibility Calculator
Find out exactly how much liquidity your property can unlock. We calculate based on RBI LTV limits (60% residential, 55% commercial) and your income FOIR — giving you the number any bank will actually sanction.
Eligible LAP Amount
*LTV: 60% residential, 55% commercial. Eligible LAP = lower of LTV limit or income limit. Subject to lender valuation and credit policy.
Property Value Split
Frequently Asked Questions
RBI permits up to 60% LTV for residential LAP and 55% for commercial. Some lenders offer 65% for prime residential with strong income. Eligible amount is always the lower of LTV limit and income-based limit.
Yes. Net LTV headroom is calculated. If property is worth ₹1 Cr and existing home loan is ₹30L, LAP eligibility at 60% LTV = ₹60L - ₹30L = ₹30L net disbursable.
Self-occupied residential, rented residential, commercial shops and offices all qualify. Agricultural land, property with unclear title, and property under litigation generally do not qualify.
LAP requires physical valuation by bank-empanelled valuer, legal title verification, and income assessment. Typically 7–15 working days from complete document submission.