Loan Against Property for Companies
Funding for companies against completed office premises.
- Rates from
- 9.70%*
- Minimum
- ₹2 lakh
- Tenure
- Up to 15 yrs
- Property age
- Up to 35 yrs
Quick answer: An LIC HFL loan against property (LAP) lets resident Indians borrow against a residential house or flat they own, for education, a wedding, buying another property or business expansion. Rates start at 9.70% for CIBIL 750+, the minimum loan is ₹2 lakh, the term is up to 15 years, and the property should not be older than 35 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’s Loan Against Property (for individuals) lets you raise funds by mortgaging your residential house or flat — for your children’s education or marriage, buying another property, or expanding your business.
Who can apply
- Resident Indians only
- Owners of a residential house or flat not older than 35 years
Key features
- For children’s education or marriage, purchase of another property, or business expansion
- Minimum loan ₹2,00,000
- Maximum term 15 years
- Security: equitable / registered mortgage of the residential property
- Property must not be older than 35 years
What is the LIC HFL loan against property interest rate?
| CIBIL score | Rate (floating, loans up to ₹15 crore) |
|---|---|
| 750 and above | 9.70% |
| 700–749 | 10.30% |
| 600–699 | 11.55% |
Rates are floating and linked to LIC HFL’s LHPLR.
Loan against property EMI at 9.70%
| Loan | 10 years | 15 years |
|---|---|---|
| ₹25 lakh | ₹32,624 | ₹26,408 |
| ₹50 lakh | ₹65,248 | ₹52,816 |
Key terms
| LIC HFL LAP (individuals) | |
|---|---|
| Purpose | Children’s education or marriage, purchase of another property, business expansion |
| Security | Equitable or registered mortgage of a residential house or flat, plus a demand promissory note |
| Property age | Not more than 35 years |
| Minimum loan | ₹2 lakh |
| Maximum term | 15 years |
| Who can apply | Resident Indians only |
How much you can borrow: LIC HFL mortgage loan (LAP) eligibility. Company owning an office? See LAP for companies.
Source: lichousing.com loans against property page (purpose, security, property age, minimum loan, term, rates by CIBIL score), 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 September 2026). Your rate depends on CIBIL score, loan amount, profile and LIC HFL credit policy — we confirm it before you apply.
Frequently asked questions
Yes. A loan against property (LAP) is often called a mortgage loan: you borrow against a house or flat you already own, which is mortgaged to the lender until you repay.
LIC HFL’s loan against property rates start from 9.70% (updated September 2026). The rate depends on your profile, CIBIL score and the property — we confirm it before you apply.
Resident Indians — salaried or self-employed — who own a residential house or flat not older than 35 years, with income to repay. Eligibility depends on income, existing EMIs, age and the property’s value.
KYC, income proof (salary slips or ITRs and financials), bank statements, and the property’s title documents, approved plan and latest tax receipt.
A residential house or flat that you own, not older than 35 years. The scheme is for resident Indians.
Children’s education or marriage, buying another property, or business expansion.
The minimum loan is ₹2 lakh, with a maximum tenure of 15 years.
Helpful guides
Compare
All LIC HFL loan products Other loans to consider
Loan Against Rental Securitization
A loan against the rent from leased office premises.
Home Loan Balance Transfer
Move your existing home loan from another lender to LIC HFL.
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.