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Loans

Loan Against Property

Get a loan against residential or commercial property; buy new property or refinance existing loans.

 

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Lease Rental Discounting

Avail of Lease Rental Discounting

Balance Transfer

Carry over your existing loan with additional refinance

Loan Amount

Minimum - Rs. 2,00,000
Maximum - Rs. 500,00,000

Attractive Interest Rates

Starting from 9.5%

Features and Benefits

You can start the process of applying for a Loan Against Property (LAP) in any of the following ways:
Online by clicking here.
In person at any Axis Bank Loan Center. To find the one closest to you, please click here.
By calling any of our toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577.
Axis Bank will convey its decision within 30 working days from the date of receipt of the application provided the application is complete in all respects. The computation of 30 days shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank.
A Loan Against Property (LAP) has many advantages over a Top-up Loan. They include:
A Higher Loan Amount: Typically, an LAP may offer a higher loan amount than a Top-up Loan.
Avail of Different Property: While an LAP can be availed of against a different residential or commercial property than the one for which the loan was originally taken, a Top-up Loan may only be taken against the property already in question. This flexibility allows you to both avail of a higher loan amount and spread your liability.
Longer tenure: An LAP can be availed for a long term than a Top-up Loan.
For more features of an AXIS Bank Loan Against Property, please click here
For a complete list of Axis Bank Loan Center addresses and hours of service, please click here
Axis Bank Loan Against Property can be availed for a self-occupied residence or a commercial property.
At Axis Bank, you can get a Loan Against Property from Rs. 2 lakhs to Rs. 500 lakhs. Some of the factors we consider when deciding a loan amount are:
The property’s registration
The property’s market value
Your requirement and eligibility
Your income and repayment capacity
Yes! An Axis Bank Loan Against Property can be availed of either as a Term Loan with an EMI repayment option or as a Drop-line Overdraft Facility.
Yes! Axis Bank provides LAPs for salaried NRI customers.
Along with your application you need to submit the following documents :
Proof of residence
Proof of identity
Certified/latest financial documents
Copies of all property documents

To check which documents would be acceptable for each of the requirements above, please click here
Yes, it is mandatory to have a co-applicant. If someone is the co-owner of the property in question, it is necessary that he/she also be the co-applicant for the Home Loan. If you are the sole owner of the property, any member of your immediate family can be your co-applicant.
You may get the List of Documents in either of the following ways:
By calling any of our toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577.
By using your registered email id to write to us at: loans@axisbank.com
Yes, banks charge a non-refundable processing fee for every LAP application.

The processing charge to avail of an Axis Bank Loan Against Property is up to 1% of the loan amount plus service tax as applicable.
There may be. To check the schedule of charges associated with transactions, click here
The EMI consists of the principal amount and the interest on the principal amount. It is calculated by taking into account the loan amount, the time frame for repaying the loan and the interest rate on the borrowed sum. The EMI may be subject to change when interest rate changes or a part-payment of the Loan is made.

Every month, part of the EMI is adjusted towards the interest payable and the balance is adjusted towards repayment of the principal.
The EMI will be due on a fixed date each month. You will be notified of this date when your loan amount is disbursed.
You may place request for Statement of Account or Repayment Schedule or Interest Certificate in either of the following ways:
By calling our Call Center at any of these toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577.
By using your registered email id to write to us at: loans@axisbank.com
In person at any Axis Bank Loan Center. To find the one closest to you, please click here .
Yes! After the first quarter from the loan disbursal date, you can make a part-prepayment towards your Loan Against Property at your nearest Axis Bank Loan Center.

For charges applicable on part-prepayment, please click here
You may repay your Axis Bank Loan Against Property in any of the following three ways:
Standing Instruction (SI): This mode can be used if you have an existing savings, salary, or current account with Axis Bank. You may wish to open a savings account with Axis Bank to use this option. Your EMI amount will be debited automatically at the end of the monthly cycle from the Axis Bank account you specify.
Electronic Clearing Service (ECS): This mode can be used if you have a non-Axis Bank account and would like your EMIs to be debited automatically at the end of the monthly cycle from this account.
Post-Dated Cheques (PDCs) : You can submit post-dated EMI cheques from a non-Axis Bank account at your nearest Axis Bank Loan Center. A fresh set of PDCs will have to be submitted in a timely manner. Please note Post Dated Cheques will be collected non-ECS locations only.

We recommend that you opt for either the SI or ECS mode of payment as they are both faster and less prone to error than the use of PDCs.
You may update your mobile number and email address in either of the following ways:
By calling any of our toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577.
By using your registered email id to write to us at: loans@axisbank.com
Before we process a foreclosure, all outstanding dues must be cleared. So we request you to first check for and clear any remaining amount that may be payable towards your Home Loan by requesting a foreclosure statement from your nearest Axis Bank Loan Center.

Once all outstanding dues have been cleared, please submit a foreclosure request at the Loan Center, and we will begin processing your request.

To check the charge applicable for the foreclosure, please click here.
Once your loan account is closed, you may collect your property documents after 16 days from your nearest Axis Bank Loan Center.

HAVE QUERIES?

  • What is the turn around time for decisioning a Loan Agaianst Prperty application?

Axis Bank will convey its decision within 30 working days from the date of receipt of the application provided the application...

READ MORE

  • What is the location and the timings of the Axis Bank Loan Center closest to me?

For a complete list of Axis Bank Loan Center addresses and hours of service, please click here

READ MORE

  • What are the different property types considered under the Loan Against Property scheme?

Axis Bank Loan Against Property can be availed for a self-occupied residence or a commercial property.

READ MORE

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