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Aditya Birla Housing Finance Limited

ABC Solutions

Loan Against Property

Financing your dreams with asset you own.
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Home Loan EMI Calculator

ROI ranges from 8 to 20

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About Loan Against Property

A sudden requirement of funds is an unavoidable circumstance arising in professional or personal life. Whether a personal necessity (hospitalisation, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments. In this context, it is imperative to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.

Why Loan Against Property (​​LAP)?

Aditya Birla Housing Finance extends the Loans Against Property (LAP) facility to enable the borrower to liquidate his owned property without selling it. The necessary funds are raised in a short period of time, subject to valuation of the property and the submitted documents. The loan helps the borrower tide over a financial crisis with minimum risk.

Why Loan Against Property (​​LAP)?

If you are in immediate need of cash for personal or business needs, taking an LAP can transpire into an excellent financial decision. All the rights and accruements over the pledged property remain with you during the loan period. You can also take a property loan on the assets whose ownership is in your name but is leased out by you. However, you are unable to sell the pledged property during the loan period. Hence, for a home restoration project or the purchase of a new commercial premises, the LAP facility is a worthy financial product to explore.

Features & Benefits

  • Loan tenure up to 20 years*

  • Loan amount: Up to 60% of property value in case of commercial property.

  • Loan amount: Up to 70% of property value in case of residential property.

  • Loan tenure up to 20 years*

  • Loan amount: Up to 60% of property value in case of commercial property.

  • Loan amount: Up to 70% of property value in case of residential property.

* Disclaimer - Please ask us for the required set of documents at the time of inquiry to know your loan against property eligibility. All loans will be at the sole discretion of ABHFL

So what next?

What do we offer?

  • Home Loan

Your home is where you build memories with your loved ones. It’s your own little piece of heaven. ABHFL presents a home loan, especially designed just for you.

  • Home Extension Loan

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements.​​

  • Home Improvement Loan

A home is usually said to be a reflection of its owner. You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying. With ABHFL Home Renovation Loans you can upgrade your existing home to a contemporary design and a more comfortable living space.​​

  • Home Construction Loan

A plot plus construction loan is primarily meant for those who want to purchase a plot and build a house on that piece of land within the next few years. This kind of loan is disbursed in various installments.​​

Your home is where you build memories with your loved ones. It’s your own little piece of heaven. ABHFL presents a home loan, especially designed just for you.

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements.​​

A home is usually said to be a reflection of its owner. You can now spruce up your home and make renovation a milestone as memorable and enjoyable as home buying. With ABHFL Home Renovation Loans you can upgrade your existing home to a contemporary design and a more comfortable living space.​​

A plot plus construction loan is primarily meant for those who want to purchase a plot and build a house on that piece of land within the next few years. This kind of loan is disbursed in various installments.​​