Calculate your monthly EMI for Loan Against Property


Calculated EMI

Apply for Loan Against Property - Get a Loan Amount up to ₹25 Crore

Property is an asset that can be leveraged in many ways, and one of the smart ways is to use it as collateral for a loan. With the Kreditflow Financial Loan Against Property, you get to unlock the true value of your asset. This helps you get funds to meet any financial goal, be it personal or business-related. With this instrument, your property, be it commercial, residential, or industrial, serves as collateral, and you can continue to use it without any restrictions.

We understand that accessing a large amount of funds is usually quite a hassle, but we have designed this offering to keep things simple. Our loan comes with an online application, allowing you to apply in a few easy steps. What’s more, you only need to meet our basic requirements, and you can get your loan processed and disbursed in real quick time.

Various Reasons to Borrow a Loan Against Property

The Kreditflow Financial Loan Against Property can be used freely and for any big-ticket expense. Some of the common ways to utilize these funds are to:

  • Expand an existing business

  • Consolidate high-interest debt

  • Pay for a medical emergency

  • Renovate business infrastructure or a home

  • Fund overseas higher education

Kreditflow Financial Personal Loan Rates and Charges
Loan Against Property Interest Rates 9% p.a. Onwards
Loan Amount From ₹51 Lakhs to ₹25 Cr
Loan Processing Fees Up to 1% Plus applicable taxes
Lowest EMI per month 1044* Per Lakh for 180 Months
Maximum Tenure 3-15 years (12 years for Industrial/Warehouse).
Foreclosure/Prepayment Charges 4 % on the outstanding loan Plus applicable taxes.
Late Payment Charges 2% per month
Cheque Bounce Charges ₹1000 per bounce plus applicable taxes
IMD Charges - Initial application fee ₹10,000 - Non Refundable
Stamp Duty At actuals (as per state)
No Other Hidden Charges
Apply Loan Against Property within 5 Minutes in 4 Easy Steps

Now you can get a personal loan with minimum efforts. Just follow the below simple 3-step process and get an instant personal loan online without any delay.


Apply Online

Click on Apply Now and enter your contact details along with loan amount, tenure and property type.


Enter residence details

Enter your DOB and residentce ownership details.


Enter occupation details

Enter your occupation and employment details.



Application will then proceed for verification and assessment.

Interest Rate

Interest Rates starting 9% | One-time Processing Fee up to 1% of sanction amount plus taxes.


Flexible repayment tenure from 3 to 15 years with 0% foreclosure charges if paid from own sources and 4% foreclosure charges on the outstanding loan amount plus taxes if paid from other sources.


Loan Amount ₹30 Lakh, Interest Rate: 9%, Tenure: 10 years, equates to EMI of ₹38,003 per month.

* T&C Apply
Features and Benefits for Kreditflow Loan Against Property Loan

Our goal is to deliver a seamless experience and to do just that, we’ve customized our offering with a range of best-in-class Loan Against Property features. The Kreditflow Financial Loan Against Property is easy to avail, offers quick approvals, minimizes delays, and ensures an affordable experience with flexible tenure and reasonable interest rates.

Below are the top features & benefits about our loan
  • Minimal documentation

  • Quick and easy approval process

  • Wide range of properties accepted as collateral

  • High LTV for ample funding ranging up to ₹25* Crore

  • Competitive Loan Against Property interest rate & charges

  • Long and flexible tenure up to 15 years

  • No hidden costs

  • Doorstep services

We Offer Loan Against Property To
  • Salaried individuals

  • Self-employed professionals

  • Firms/ Companies

Loan Against Property Eligibility Criteria

The Kreditflow Financial Loan Against Property has basic eligibility requirements. This helps speed up loan processing and makes this offering one that you can easily access, even in an emergency.

To qualify for funding and get quick approval, applicants need only to meet criteria related to the following factors:


Work experience/business vintage


Business profile

Statutory compliances(wherever applicable*)

Note: The above-mentioned eligibility list is indicative. Additional eligibility criteria may be required during loan processing by Kreditflow Financial.

Loan Against Property Documents Required

Lengthy, unending paperwork can be a dampener on the borrowing experience. What’s more, it can cause delays and make it difficult to get the funding you need on time. To ensure that you don’t run into such problems, we only require you to submit basic documents. These can be categorized into 5 main types:

  • KYC documents

  • Income and financial documents

  • Property papers

  • Bank Statement

  • Sanction letter and SOA of existing loans

Find the specific Loan Against Property documents required for each borrower type online, on our dedicated webpage.

Note: The above-mentioned Loan Against Property documents list is indicative, and additional documents may be required during loan processing.

What is a Loan Against Property Balance Transfer and why is it done?

When you transfer your Loan Against Property from another lender to Kreditflow Financial, it is termed a Loan Against Property Balance Transfer. The Balance Transfer to Kreditflow Financial can be done for one or more of the following reasons:

  • Lower interest rate.
  • Longer and more flexible loan tenure
  • Higher loan amount
  • Higher LTV on the market value of the asset
  • Best-in-class customer service and query resolution
How to transfer your Loan Against Property to Kreditflow Financial?

We realize that time is of the essence and hence we have kept the Loan Against Property Balance Transfer process very simple and hassle-free. The following are the steps:

  • Open the Loan Against Property page on Kreditflow Financial’s website.
  • Click on “Apply Now”
  • Fill in the required personal, professional, and financial details in the form
  • Submit all the necessary documents
  • A representative from Kreditflow Financial will get in touch with you further processing
  • After your assessment and verification, you will receive a loan sanction
  • Once you authorize, the loan amount will be credited to your bank account

Frequently Asked Questions for Loan Against Property

What is a mortgage loan?
A mortgage loan or Loan Against Property is an instrument that allows you to keep your property as collateral to get funds. It is a secured loan through which you can get a high sanction amount, usually repayable over a flexible tenure.

When should I take a LAP?
Ideally, this type of secured loan should only be taken when you need a large amount of funding for big-ticket expenses. Some common reasons to borrow include:
  • Expand an existing business
  • Consolidate high-interest debt
  • Renovate business infrastructure or a home
  • Pay for a medical emergency
  • Fund overseas higher education
Why should I opt for the Kreditflow Financial LAP?
Our Loan Against Property is loaded with a range of customized features and benefits. We offer a high sanction amount, flexible tenure, competitive rates, nominal fees etc. This offering is tailored to make borrowing easy and affordable.
Can I avail the property mortgage loan online? How?

Yes. You can avail of our loan online in just a few simple steps. All you must do is:

  • Go to the dedicated webpage and click ‘Apply Now’
  • Fill the Loan Against Property application form with basic details
  • Kreditflow representative will contact for further processing
  • Await assessment and verification
  • Receive loan approval
  • Authorize and get disbursal of the loan amount

*Terms & Conditions Apply