Loan Against Property EMI Calculator

Calculate your LAP EMI instantly. Includes LTV ratio calculator — find out exactly how much loan you can get against your property value.

📌 Current LAP Rates (2026): SBI: 10.00%–10.60% HDFC Bank: 9.50%–11.00% ICICI Bank: 10.85%–12.50% Bajaj Finance: 9.75%+ PNB: 10.40%

🏡 LTV Ratio Calculator — How much loan can you get?

Property Value (₹)

LTV Ratio (%)

Max Eligible Loan

—

LTV Used

65%

Your Equity

—

⚙️ Loan Details

Loan Amount₹25,00,000

₹1 Lakh₹5 Crore

Interest Rate (p.a.)10%

8%18%

Loan Tenure10 Years

1 Year20 Years

Or type your values below

Loan Amount (₹)

Interest Rate (%)

Tenure (Years)

📊 Your Results

Monthly EMI

₹0

per month · 10 years · 10% p.a.

Principal

₹0

Total Interest

₹0

Total Payable

₹0

Principal Amount — 0%

Total Interest — 0%

Year	Opening Balance	Principal Paid	Interest Paid	Closing Balance

💡 InfoBuddy Tip:

Banks typically lend 60–70% of your property’s market value as a Loan Against Property (LAP). Residential properties get a higher LTV (up to 70%) compared to commercial properties (usually 50–60%). Your CIBIL score significantly impacts the rate — a score above 750 can get you the best LAP rates. Remember, LAP is a secured loan, so your property is at risk if you default. Always borrow within your repayment capacity.

Disclaimer: This calculator provides estimates based on the reducing balance EMI formula. Actual LAP EMI may vary based on lender policies, property type, CIBIL score, and valuation. LTV ratios are indicative — actual eligible loan amount is subject to lender assessment. Interest rates shown are indicative for 2026. This tool is for educational reference only and does not constitute financial advice.