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Property-backed loans

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

3 products

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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
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
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₹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.

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