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Let your property fund what comes next
Raise large amounts at lower rates by pledging residential or commercial property — for business expansion, education or consolidating expensive debt.
Why take your loan against property through Credsey
Unlock the value of your residential or commercial property with a loan against property from Credsey. Lower rates than unsecured loans, tenure up to 20 years.
- Up to 70% of the property's market value
- Lower rates than personal or business loans
- Keep using your property as usual
- Overdraft and lease rental options
Loan Against Property EMI calculator
Move the sliders to see your monthly EMI, the total interest and the full amount you'll repay. Then apply with the same numbers in one click.
- EMI = P × r × (1+r)n / ((1+r)n − 1)
- P is the loan amount, r the monthly rate, n the number of months
- Pay more upfront or choose a shorter tenure to cut total interest
Calculate your EMI
Full scheduleYour monthly EMI
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- Principal
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- Interest
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- Total payable
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Indicative figures. Final rate depends on the lender and your profile.
Eligibility
- Salaried or self-employed individuals
- Clear, marketable property title in your name
- Age between 24 and 70 years at maturity
- Steady, documented income
Criteria vary by lender. An advisor will confirm what applies to you.
Documents required
- KYC documents for all owners
- Income proof and 12 months' bank statement
- Complete property chain documents
- Approved building plan
Loan Against Property FAQs
Can't find what you're looking for? Our advisors are a call away.
Contact usWhich properties are accepted?
Self-occupied or rented residential property, commercial property and, with some lenders, industrial property with a clear title.
How is the loan amount decided?
It depends on the market value (usually 50–70% LTV) and your repayment capacity.
Can I use it for business?
Yes — business expansion and working capital are among the most common uses.