Rates from 8.75% · Residential & Commercial · Up to 70% LTV · Quick Disbursal
A Loan Against Property (LAP) lets you mortgage your existing residential, commercial, or industrial property to access large-ticket funding — while you continue to live in or use the property. You retain full ownership throughout the loan tenure.
Unlike a personal loan, LAP offers significantly lower interest rates and longer repayment tenures, making it ideal for high-value requirements. In Hyderabad, most lenders will lend up to 60–70% of your property's registered market value.
The funds can be used for any legitimate purpose — business expansion, equipment purchase, working capital, children's higher education, medical emergencies, or consolidating high-cost debt. There are no end-use restrictions.
Mintra FinServ is a SEBI-registered advisor with deep lender relationships across SBI, HDFC, ICICI, Bajaj Finance, Axis, Tata Capital and more. We compare your profile across lenders and get you the best rate and fastest disbursal in Hyderabad.
Whether you own a flat in Gachibowli or a warehouse in Patancheru, we can help you unlock its value.
Flats, villas, independent houses, and row houses within GHMC and HMDA municipal limits across Hyderabad.
Typical LTV: 65–70%Offices, shops, showrooms, and mixed-use commercial spaces with clear title and valid occupancy certificate.
Typical LTV: 55–65%Warehouses, factories, and manufacturing units located in HMDA-designated industrial zones and corridors.
Typical LTV: 50–60%HMDA or DTCP approved residential plots with clear title and no encumbrance, within Hyderabad metropolitan limits.
Typical LTV: 50–60%If you run a trading, retail, manufacturing or services business, your property is likely your largest untapped asset. LAP converts it into growth capital — at 8.75%–11% p.a., a fraction of unsecured business loan rates.
Fund stock purchases, seasonal inventory build-up, or bridge receivables cycles without touching your operating cash flow.
Deposit, fit-out and setup costs for a second location — funded against your existing property, repaid over up to 15–18 years.
Equipment purchase or plant expansion at LAP rates instead of costlier equipment-finance or unsecured business loans.
Replace multiple high-cost business loans, OD facilities or unsecured credit with one LAP EMI at a materially lower blended rate.
Business-purpose LAP is assessed on your GST turnover, ITR and banking — the same income routes covered on our self-employed & no-ITR eligibility page. Traders and business owners with thin ITR but strong GST/banking turnover often qualify for a materially higher amount through a surrogate-income LAP program than the standard ITR-based route.
A ₹50 lakh LAP against a commercial or residential property is a realistic ask for most established Hyderabad businesses with 3+ years of vintage — talk to us before you take a costlier unsecured business loan or OD.
Compare rates across leading banks and NBFCs. Our advisors negotiate on your behalf to secure the best offer.
| Lender | Rate (p.a.) | Max LTV | Max Tenure | Processing Fee |
|---|---|---|---|---|
| SBI LAP | 8.75% – 10.50% | 70% | 15 years | 1.00% |
| HDFC LAP | 8.85% – 10.75% | 70% | 15 years | 1.00% |
| Bajaj Finance LAP | 9.40% – 13.00% | 65% | 18 years | 1.50% |
| Axis Bank LAP | 9.10% – 11.25% | 65% | 15 years | 1.00% |
| ICICI Bank LAP | 9.00% – 10.90% | 65% | 15 years | 1.00% |
| Tata Capital LAP | 9.50% – 12.50% | 60% | 15 years | 2.00% |
Disclaimer: Rates are indicative as of June 2026 and subject to change without notice. Actual rate depends on loan amount, LTV, property type, applicant profile, and lender discretion. Contact Mintra FinServ for current rates.
Most property owners with a clean credit history qualify for LAP in Hyderabad.
Share your details with us. Our advisors do a free pre-eligibility check within 2 hours — no documents required at this stage.
Check My Eligibility →From your first call to funds in your account, we manage every step.
We arrange an independent technical valuation of your property to determine the eligible loan amount.
Property documents, income proof, and KYC collected digitally — minimal paperwork, maximum speed.
We match your profile to the best-fit lender for rate, LTV, and disbursal speed — then negotiate on your behalf.
Lender's legal and technical team verifies property title and valuation. We coordinate to fast-track approvals.
Funds credited to your account — typically within 10–15 working days of a clean application submission.
Talk to a SEBI-registered advisor who will analyse your property value, compare lenders, and get you the best LAP deal in Hyderabad — at zero cost to you.
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Our LAP advisor will call you within 2 working hours. Meanwhile, you can also WhatsApp us for faster response.
Everything you need to know about Loan Against Property in Hyderabad.