IndiaBanks.org · independent research

Compare products

Property-backed loans

Compare personal-purpose and rental-backed loans secured by eligible immovable property.

4 products

Filter Eligible collateral
Matches any selected option
Filter Interest rate
Filter Finance available
Filter Maximum tenure
Filter Processing fee
Matches any selected option
Star Loan Against PropertyBank of India
Not published
  • Starts from 8.85% p.a.
  • linked to Personal Score for individuals and calculated on a daily reducing balance.
  • Reducible Mortgage facility is available up to ₹1,500 lakh (₹15 crore). The page also states starting at ₹1,005 per lakh
  • the universal term-loan maximum is not separately stated.
Not published
  • Up to 180 months
  • holiday or moratorium up to 6 months is stated.
  • Instalment loan: one-time 1.00% of sanctioned amount, minimum ₹5,000 and maximum ₹50,000. Mortgage : 0.50% of sanctioned limit, minimum ₹5,000 and maximum ₹30,000 in year one
  • 0.25% of reviewed limit, minimum ₹2,500 and maximum ₹15,000 in later years.
Not published
Bank of Maharashtra Loan Against PropertyBank of Maharashtra
Not published
9.70%-10.70% p.a. effective rate by score on the current table.
Minimum ₹5 lakh. Maximum ₹10 crore for properties in metros and ₹5 crore at other centres, subject to repayment capacity and margin.
Not published
Up to 10 years or until age 75, whichever is earlier.
Processing 1% of loan amount, minimum ₹1,000 and maximum ₹50,000. Account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding .
Not published
SBI Loan Against PropertyState Bank of India
  • Equitable mortgage of an eligible residential home or flat or select commercial property
  • rented commercial property also requires assignment of rent and additional agreements
  • One-year plus 1.45%-2.50% when salary provides over 50% of , or plus 2.10%-3.00% when business, profession or rent provides over 50%
  • the linked spread table was last updated in 2019
↓
₹10 lakh to ₹7.5 crore, with the maximum subject to property location
  • 65% for loans up to ₹1 crore
  • 60% above ₹1 crore and up to ₹7.5 crore
Minimum five years and maximum 15 years, subject to income continuity, property life and repayment before the eldest borrower turns 70
Loan against Property (): 1% of the loan amount, capped at ₹50,000, plus applicable .
Not published
Union Mortgage Loan (Loan Against Property)Union Bank of India
Not published
  • Current Union Mortgage table: self-occupied residential property 9.05%–11.10% p.a.
  • tenanted residential 9.30%–11.10%
  • self-occupied commercial/industrial 9.70%–11.60%
  • leased or multi-tenanted commercial 10.15%–11.85%, by score.
Minimum ₹5 lakh and maximum ₹15 crore.
Not published
  • No universal maximum tenure is published on the reviewed page/ for this variant
  • detailed scheme terms determine repayment tenure by purpose, vehicle/property and borrower profile.
No numeric processing-fee amount or percentage is published on the reviewed product pages or in the current retail for this product family. The Union Vehicle page mentions a processing-fee cheque when applying, but does not publish the fee amount on the reviewed page.
Not published

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.

← Compare all personal, home, vehicle & other loans