Loan Against Property for Companies
Funding for companies against completed office premises.
- Rates from
- 9.65%*
- Loan
- Up to ₹20 Cr
- Tenure
- Up to 10 yrs
- For
- Companies
Quick answer: LIC HFL Loan Against Rental Securitization (lease rental discounting) lets listed and unlisted companies borrow against completed office premises and the rent they earn. Rates start at 9.65% for individuals with a CIBIL score of 750+ and 10.25% for companies on terms of up to 7 years, for loans up to ₹15 crore. Companies can take a term of up to 15 years.
By Vijay Arjun V (B.Pharm, PGDM): authorised LIC HFL DSA since 2002 and DME (Direct Marketing Executive) appointed by LIC HFL. Terms checked on lichousing.com on 14 October 2026.
Also called Lease Rental Discounting, this LIC HFL loan lets listed and unlisted companies raise funds against commercial office premises — already owned or being purchased — backed by their rental income.
Who can apply
- Listed and unlisted companies
- Owners of completed, leased commercial office premises
Key features
- Security: commercial office premises, already owned or to be purchased with the loan
- Use for repaying existing loans (including takeover) or buying fixed assets
- Only for properties completed in all respects
- Maximum term 10 years
What is the LIC HFL lease rental discounting rate?
| Borrower | Rate (floating, loans up to ₹15 crore) |
|---|---|
| Individual, CIBIL 750 and above | 9.65% |
| Individual, CIBIL 700–749 | 10.00% |
| Company or firm, term up to 7 years | 10.25% |
| Company or firm, term 7–12 years | 10.50% |
| Company or firm, term 12–15 years | 11.00% |
Rates are floating and linked to LIC HFL’s LHPLR.
How lease rental discounting works
- Your company owns (or buys with the loan) completed office premises leased to a tenant.
- The lender sizes the loan on the rent receivable over the lease and the property value.
- The rent is typically routed to service the EMI over the loan term.
- The funds can repay existing loans (including takeover) or buy fixed assets.
EMI at 10.50% over 10 years (company, 7–12 year term)
| Loan | EMI |
|---|---|
| ₹2 crore | ₹2,69,870 |
| ₹5 crore | ₹6,74,675 |
No tenant yet? See LAP for companies. Individuals with a residential property: loan against property. Professionals buying an office: loans for professionals.
Source: lichousing.com loan against rental securitization page (purpose, security, property condition, term, rates by CIBIL score and loan slab), checked 14 October 2026. EMI figures are our calculations.
How Hyderabad Home Loans helps
- We check your eligibility and confirm whether this scheme is the best fit before you apply.
- We review your documents before they go to LIC HFL, so there are fewer queries later.
- We track your file with LIC HFL through sanction and disbursement.
*Starting rate for eligible borrowers, as published by LIC HFL (updated 31 October 2026). Your rate depends on CIBIL score, loan amount, profile and LIC HFL credit policy — we confirm it before you apply.
Frequently asked questions
A loan given against the rent you receive from a leased commercial property — the rent receivables support the repayment.
Listed and unlisted companies with completed commercial office premises.
Up to 10 years.
Compare
All LIC HFL loan products Other loans to consider
Loan Against Property
Raise funds against your completed residential house or flat.
Loans to Professionals
Buy or build an office or clinic for your practice.
Hyderabad Home Loans (Elite Financial Services) is an authorised Direct Selling Agent of LIC Housing Finance Ltd. Product names, features and rates are as published by LIC HFL; sanction, rate and terms are at LIC HFL’s sole discretion. Final eligibility is subject to lender assessment.