Name: Loan Against Property Top Up
Brand: L&T Finance
Rating: 5 (10 reviews)

Loan Against Property Top-up helps you celebrate professional or personal milestones with loan amount up to 7 Crore*. LAP Top Up can fulfil all your needs, whether it is for business expansion, debt consolidation, celebration or medical expenses. Enjoy flexible repayment option with long loan tenures of up to 20 years and interest rates starting at 9.40%* p.a. With quick sanction and hassle-free disbursal, you can focus on making your dreams a reality.

Features & Benefits
EMI Calculator
Documentation
Eligibility
Fees & Charges
Frequently Asked Questions

Loan Offering

Flexible loan options from ₹ 3 Lakh* to ₹ 7 Crore* for your needs

Long Loan Tenure

Choose your loan tenure starting from 3 years to 20 years

Rate of interest

Benefit from attractive interest rates starting from 9.40%*

Flexible use of funds

Use LAP Top Up for business expansion, home renovation and more

Debt consolidation

Consolidate loans with LAP Top Up and simplify repayments in one loan

Dedicated Relationship Manager

Get personalised support and the financial advice you need

EMI Calculator

Results generated by the calculator(s) are indicative in nature.

Preferred loan amount

₹

₹ 3,00,000

₹ 7,00,00,000

Interest rate (per annum)

9.40%

13%

Loan tenure (months)

36 months

240 months

Estimated EMI

per month

₹ 36,690
Interest payable
₹52,41, 690

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Eligibility & Documents

Eligibility

Residency:

Indian resident or NRI

Age:

Salaried: 23 years to 70 years
Self-employed: 25 years to 70 years

Profession:

Salaried / self-employed professionals and non-professionals

Other:

Can be increased by adding co-applicant income or other verifiable income sources

Documents

Age Proof

Aadhaar Card | PAN Card | Passport

Address Proof

Utility bills (not older than 2 months) | Aadhaar Card | Driving License | Passport | Voter ID etc

Photo ID Proof

Income Proof

Income proofs vary for different professionals across salaried, non-salaried and self-employed. List of required income documents
Additional documents can be asked*

Seamless Loans, Simplified Experience

Download the Planet app for a one stop loan solution with effortless management at your fingertips. Learn More

FAQs & Support

View all

What is the tenure flexibility for a LAP Top Up Loan?

You can choose a flexible repayment tenure starting from 3 years to 20 years, allowing you to tailor your loan to your financial needs.

Does Loan Against Property Top Up need a guarantor?

Loan Against Property Top Up does not require a guarantor since the property serves as collateral.

What are the interest rates for a LAP Top Up Loan?

Interest rates for L&T Finance LAP Top Up Loans start from 9.55%*.

Can I consolidate debts with a LAP Top Up Loan?

Yes, you can use a LAP Top Up Loan to consolidate multiple debts into one, simplifying repayments with a single loan solution and lowering EMI burden.

What can I use the LAP Top Up Loan for?

You can use the LAP Top Up Loan for various needs, including business expansion, working capital, debt consolidation, home renovations, education or medical expenses.

Explore all FAQs

Housing Loan

Buying a home in Mumbai was always a dream of mine, and L&T Finance has made this dream come true. They offered competitive interest rate, quick approval with easy documentation. I would highly recommend L&T Finance to anyone looking for a reliable home loan provider.

Yadika Hussain

Mumbai

Housing Loan

L&T Finance made my homeownership and business growth easier! After taking a home loan with another bank, I needed additional funds to expand my business. L&T offered a quick response, pre-approval, & a streamlined process with minimal paperwork. Plus, I received lower interest rate & maximum funding!

Amol Hirawadekar

Mumbai

Housing Loan

Choosing L&T Finance for our home loan was seamless. The team was supportive, with transparent documentation, quick responses, and competitive rates. Their efficient process made our home-buying journey smooth, and the L&T Emerald’s location, amenities, and security make it the perfect choice for our family.

Amit Chaturvedi

Mumbai, Maharashtra

Housing Loan

I was looking to buy a property and L&T finance Housing Loans stepped in forward to cater to all my demands, the ease of the documentation processes and their commitment to provide disbursement at the earliest. Whatever I asked, the team was there support at every step to get me through.

Mr. Sharad Pandey

Captain, Merchant Navy

Housing Loan

The process of applying L&T Finance Housing loans was a very easy and seamless process. And the credit goes to L&T Finance's entire Housing loan team. They have been extremely helpful & quick response. A very transparent process, the best of the market rates and quick disbursement.

Amit Chaturvedi

Powai, Mumbai