Loan Against Property Calculator

Check an indicative property-backed loan limit and calculate repayment from manually entered terms.

Adjust your plan

Enter an exact value or use a slider. Your result updates instantly.

Indian rupees
%

Use the lender’s limit for the property type and borrower profile; this calculator does not assume one universal LAP limit.

Indian rupees
Interest calculation

Reducing balance charges interest on the outstanding principal; flat rate uses the original principal for the full tenure.

%
Indian rupees

Your result

Local calculation
Per month, you have to pay₹53,730.26

Loan repayment split

Principal amount52%
Total interest and fees48%
Principal amount
₹50,00,000.00
Total interest and fees
₹46,96,446.06
Total repayment
₹96,96,446.06
Loan limit from entered LTV
₹60,00,000.00
Requested loan-to-value ratio
50%
Remaining amount within entered LTV
₹10,00,000.00
Processing and transfer fees included above
₹25,000.00

Reducing balance: interest is calculated on the outstanding principal.

How this calculation works

Check an indicative property-backed loan limit and calculate repayment from manually entered terms. The result is calculated locally in your browser from the visible inputs, and the method below remains available for checking.

Indicative maximum loan = property value × entered LTV. The requested loan uses the selected repayment method and the entered fees are included in total borrowing cost.

Worked example

A ₹1 crore property at 60% LTV provides an indicative ₹60 lakh ceiling before lender underwriting.

Assumptions and limits

  • Inputs use the units shown beside each field.
  • Intermediate values retain precision; displayed values are rounded for readability.

Questions people ask

How does the Loan Against Property Calculator work?

It applies this displayed method: Indicative maximum loan = property value × entered LTV. The requested loan uses the selected repayment method and the entered fees are included in total borrowing cost. Values stay in your browser and are not submitted to a server.

What should I check before using the Loan against property result?

Inputs use the units shown beside each field. Intermediate values retain precision; displayed values are rounded for readability. This is an estimate, not a lender quote. Rates, fees, rounding and repayment rules vary by agreement.

Does this Loan against property calculator save my information?

No. Calculation inputs are processed on this device. Sharing creates a URL only when you choose the share action.

Related calculators

EMIEstimate a loan’s monthly instalment, total interest, and full repayment from principal, rate, and tenure.Home loanPlan a home purchase using property value, down payment, interest rate, tenure, and optional ownership costs.Car loanTurn an on-road car price and down payment into a monthly EMI and complete borrowing cost.Personal loanCompare the EMI and total cost of an unsecured personal loan including a processing fee.