Key Loan Terms & Parameters
Interest Rates
8.5% - 8.5% p.a.
Max Loan Amount
Up to ₹10 Cr
Loan Tenure
5 to 15 Years
Processing Fee
Eligibility Criteria
Lending partners verify these criteria during physical or telephonic authentication:
- Age: 21 to 70 years at maturity
- Employment: Salaried, Self-employed, or Partnership/Pvt Ltd firms
- Property Type: Commercial, Residential, or Industrial property (Freehold)
- Min. CIBIL Score: 700+
Required Documents Checklist
No File Uploads Needed: Perfect Lender is purely informational and referral. We will never ask you to upload PAN, Aadhaar, or statements on this website. Keep these copies ready for bank agents when they visit or contact you.
- Identity and Address Proof
- Income Proof: Salaried (3 months salary slips, ITR); Self-employed (2 years ITR, audit sheets)
- Bank Statements: Last 6 months account statements
- Property Title documents: Parent deeds, Registry copy, Approved construction layout plan, Encumbrance certificate
Lender Rates Comparison (5 Partners)
| Bank / Partner | Featured Rate (p.a.) | Processing Fee Estimate |
|---|---|---|
| HDFC Bank | Starting 8.4% | |
| ICICI Bank | Starting 8.5% | |
| State Bank of India (SBI) | Starting 8.35% | |
| Axis Bank | Starting 8.6% | |
| Bajaj Finserv | Starting 10.99% |
Calculate Loan Against Property (LAP) EMI
Loan Amount (₹)₹30,00,000
₹1,00,000₹3,50,00,000
Interest Rate (% p.a.)9.5%
5.0%25.0%
Tenure (Years)10 Years (120 Mos)
1 Year15 Years
Estimated Monthly EMI
₹38,819
Total Cost₹46,58,312
Principal₹30,00,000
Interest Cost₹16,58,312
Have Questions?
Speak directly to our referral desk. We coordinate with HDFC, ICICI, SBI, and other partners to resolve your queries instantly.