Loan Against Property Calculator
Maximum loan against your house or shop from its market value and LTV, with EMI and total interest.
How to use the Loan Against Property calculator
- Enter market value of property, loan-to-value, interest rate and tenure.
- Read the monthly EMI at the top of the result, with maximum loan, total interest, total repayment underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
A loan against property is secured, so it is cheaper than a personal or business loan, but the property is at risk if you default. Your income still caps the amount; check the EMI against your DTI.
Worked example
With market value of property of ₹80,00,000, loan-to-value of 60%, interest rate of 9.75% and tenure of 15 years:
| Monthly EMI | ₹50,849 |
| Maximum loan | ₹48,00,000 |
| Total interest | ₹43,52,893 |
| Total repayment | ₹91,52,893 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
How much loan can I get against my property?
Usually 50–70% of the market value assessed by the lender's valuer, subject to your income supporting the EMI.
Is a loan against property cheaper than a personal loan?
Usually by several percentage points, because it is secured. It also takes longer to process due to legal and valuation checks.