20 लाख के घर पर कितना लोन मिलेगा? | Mortgage Loan Interest Rate 2022 SBI, HDFC, Axis Bank

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Loan Against Property scheme is a secured personal loan which you can avail by pledging your property as a security or a collateral. These personal loan schemes are also known as mortgage loans. Loan Against Property interest rates range between 8.00% p.a. to 25% p.a. You can avail loans of up to Rs.25 crore for a tenure of up to 20 years with LAP.

Factors affecting Loan Against Property interest rate
Loan Tenure - The repayment tenure determines the interest rate charged by the bank. Shorter the repayment tenure, higher will be the rate of interest charged.
Credit Score - You must have a credit score of 700 and above if you wish to avail a loan against property at lower rates of interest.
Type of property - The market value and the type of property determines the interest rate charged by the lender.
Profile of the applicant - The age, occupation, income, etc. also determines the interest rate charged by the bank.

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