Loan Against Rental Securitization
A loan against the rent from leased office premises.
- Rate
- 11.00%*
- Loan
- ₹10L – ₹15 Cr
- Tenure
- Up to 10 yrs
- For
- Listed / unlisted cos.
Quick answer: LIC HFL Loan Against Property for Companies gives listed and unlisted companies a loan against completed office premises, already owned or bought with the loan, to repay existing loans (including takeover) or buy fixed assets. The rate is 11.00% for loans from ₹10 lakh to ₹15 crore, with a term of up to 10 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.
LIC HFL provides funding to listed and unlisted companies against the security of commercial property — office premises the company already owns or is buying with the loan.
Who can apply
- Listed and unlisted companies
- Companies owning — or buying — completed 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
Key terms
| LIC HFL LAP for companies | |
|---|---|
| Borrower | Listed or unlisted company |
| Security | Commercial property: office premises, owned or to be purchased with the loan |
| Use of funds | Repaying existing loans (including takeover) or buying fixed assets |
| Property | Completed in all respects |
| Loan amount | ₹10 lakh to ₹15 crore |
| Rate | 11.00% |
| Maximum term | 10 years |
EMI at 11.00% over 10 years
| Loan | EMI |
|---|---|
| ₹1 crore | ₹1,37,750 |
| ₹2 crore | ₹2,75,500 |
What a company usually needs to apply
- Company KYC and constitution documents, and board approval for the borrowing
- Audited financials and ITRs, and bank statements
- Title documents, approvals and completion papers for the office premises
- Details of existing loans, if any are to be taken over
LIC HFL confirms the exact list for each case. If the office is leased to a tenant, lease rental discounting may let you borrow against the rent. Individuals should see loan against property.
Source: lichousing.com loans against property for companies page (purpose, security, property condition, term, rate), checked 14 October 2026. EMI figures are our calculations.
Compare all of LIC HFL’s loans on commercial property: commercial LAP in Hyderabad.
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
Both listed and unlisted companies, against commercial office premises.
Yes. It can be used to repay existing loans, including a takeover, or to buy fixed assets.
No. The property must be completed in all respects.
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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.