Why Consider a Loan Against Property
A Loan Against Property lets you unlock the value tied up in your home without selling it. Our team scouts leading banks and housing-finance companies to secure the best deal for you.
High Loan Amounts
Tap up to 75 – 80 % of your property’s market value, perfect for business expansion, education, or medical expenses
Top-up Loan Facility
Get additional funds against your home loan at lower interest rates for renovation and other needs
Flexible Tenure & EMIs
Choose repayment periods of up to 20 years and pick EMI plans that match your cash flow
Simple, Fast Process
100 % online application, minimal paperwork, quick valuation, and speedy disbursal—so funds reach you without the hassle.
Loan Against Property Calculator
Check how much you can borrow against your property and what your EMI will be.
Monthly EMI
₹13,215
Speak to a Home Loan Expert Today
Free ConsultationWHAT PEOPLE THINK ABOUT US
My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service
Tushar Agarwal
Tushar Agarwal
@tusharag24
My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service
Sayani
@seini_69
I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .
Raju
@bhowmick_r
I made the mistake of applying for a home loan with my broker and I got stuck in the process.
Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.
pratiksha goyal
@goyal_pratiksha
After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.
Tushar Agarwal
@tusharag24
My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service
Sayani
@seini_69
I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .
Raju
@bhowmick_r
I made the mistake of applying for a home loan with my broker and I got stuck in the process.
Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.
pratiksha goyal
@goyal_pratiksha
After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.
Tushar Agarwal
@tusharag24
My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service
Sayani
@seini_69
I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .
Raju
@bhowmick_r
I made the mistake of applying for a home loan with my broker and I got stuck in the process.
Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.
pratiksha goyal
@goyal_pratiksha
After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.
Tushar Agarwal
@tusharag24
My Home Loan Experience with @gocreditdharma was smooth right from get go. Everything from understanding my profile, choosing the best offer, the process, documentation was handled well by the team. I'm very satisfied with their service
Sayani
@seini_69
I was buying a property as an investment along with my friend. After Struggling for 2 Months to find a Bank that would give us a Home Loan, I came across @gocreditdharma .
Raju
@bhowmick_r
I made the mistake of applying for a home loan with my broker and I got stuck in the process.
Kudos to @gocreditdharma for getting me out of the situation and helping me close the property sale quickly.
pratiksha goyal
@goyal_pratiksha
After my Home Loan Experience with @gocreditdharma , I would recommend it to everybody buying a house in Bangalore. Their service is awesome and the best way to take a Home Loan. Stay away from Bank Sales Guys, they will just try to scam you into taking a loan.
Samarth Kishnani
@samkishnani
Kudos to @gocreditdharma team for introducing me to OD and helping with my end to end journey on my home loan. Picking the right home loan is cumbersome af af. They helped bring my Interest Rate to 4% effectively.
They've already saved me more money than any other company lol ❤️
Anish Chattaraj
@nishchatterjee
Some love here for @gocreditdharma w/o whom, I'd not have known that my bank had hiked the interest rate with me overpaying for my HDFC home loan. Thanks for educating me on Balance Transfer and for getting my interest rate lowered back to 8.4%. Saving me years of xtra payments!
Vineeth K
@DealsDhamaka
HOMELOANS 🏠
Homeloans are an essential part of making the dream of own house come true. I recently came across that people save a lot of money on their home loans by parking funds in offerings like OD - Over Draft. If used wisely, these could save years of interest payment provided you have funds to park. How many of you have heard about this before? If not, I would recommend getting in touch with the wonderful team at @gocreditdharma for bringing more transparency to the system
The Spiritual Trader
@ArindamPramnk
A close Relative of mine spent 2 Months talking to 10 banks and had to deal with over 100 Spam Calls just to get a home loan. Why is getting a home loan in India so tough?
The amount of mis-selling and opacity in the system was shocking. In @gocreditdharma their team made everything so much simpler helping us pick and finalize a home loan in just one week. I'd definitely suggest reaching out to them if you want to make getting a home loan a lot easier and clearer
Samarth Kishnani
@samkishnani
Kudos to @gocreditdharma team for introducing me to OD and helping with my end to end journey on my home loan. Picking the right home loan is cumbersome af af. They helped bring my Interest Rate to 4% effectively.
They've already saved me more money than any other company lol ❤️
Anish Chattaraj
@nishchatterjee
Some love here for @gocreditdharma w/o whom, I'd not have known that my bank had hiked the interest rate with me overpaying for my HDFC home loan. Thanks for educating me on Balance Transfer and for getting my interest rate lowered back to 8.4%. Saving me years of xtra payments!
Vineeth K
@DealsDhamaka
HOMELOANS 🏠
Homeloans are an essential part of making the dream of own house come true. I recently came across that people save a lot of money on their home loans by parking funds in offerings like OD - Over Draft. If used wisely, these could save years of interest payment provided you have funds to park. How many of you have heard about this before? If not, I would recommend getting in touch with the wonderful team at @gocreditdharma for bringing more transparency to the system
The Spiritual Trader
@ArindamPramnk
A close Relative of mine spent 2 Months talking to 10 banks and had to deal with over 100 Spam Calls just to get a home loan. Why is getting a home loan in India so tough?
The amount of mis-selling and opacity in the system was shocking. In @gocreditdharma their team made everything so much simpler helping us pick and finalize a home loan in just one week. I'd definitely suggest reaching out to them if you want to make getting a home loan a lot easier and clearer
Samarth Kishnani
@samkishnani
Kudos to @gocreditdharma team for introducing me to OD and helping with my end to end journey on my home loan. Picking the right home loan is cumbersome af af. They helped bring my Interest Rate to 4% effectively.
They've already saved me more money than any other company lol ❤️
Anish Chattaraj
@nishchatterjee
Some love here for @gocreditdharma w/o whom, I'd not have known that my bank had hiked the interest rate with me overpaying for my HDFC home loan. Thanks for educating me on Balance Transfer and for getting my interest rate lowered back to 8.4%. Saving me years of xtra payments!
Vineeth K
@DealsDhamaka
HOMELOANS 🏠
Homeloans are an essential part of making the dream of own house come true. I recently came across that people save a lot of money on their home loans by parking funds in offerings like OD - Over Draft. If used wisely, these could save years of interest payment provided you have funds to park. How many of you have heard about this before? If not, I would recommend getting in touch with the wonderful team at @gocreditdharma for bringing more transparency to the system
The Spiritual Trader
@ArindamPramnk
A close Relative of mine spent 2 Months talking to 10 banks and had to deal with over 100 Spam Calls just to get a home loan. Why is getting a home loan in India so tough?
The amount of mis-selling and opacity in the system was shocking. In @gocreditdharma their team made everything so much simpler helping us pick and finalize a home loan in just one week. I'd definitely suggest reaching out to them if you want to make getting a home loan a lot easier and clearer
Samarth Kishnani
@samkishnani
Kudos to @gocreditdharma team for introducing me to OD and helping with my end to end journey on my home loan. Picking the right home loan is cumbersome af af. They helped bring my Interest Rate to 4% effectively.
They've already saved me more money than any other company lol ❤️
Anish Chattaraj
@nishchatterjee
Some love here for @gocreditdharma w/o whom, I'd not have known that my bank had hiked the interest rate with me overpaying for my HDFC home loan. Thanks for educating me on Balance Transfer and for getting my interest rate lowered back to 8.4%. Saving me years of xtra payments!
Vineeth K
@DealsDhamaka
HOMELOANS 🏠
Homeloans are an essential part of making the dream of own house come true. I recently came across that people save a lot of money on their home loans by parking funds in offerings like OD - Over Draft. If used wisely, these could save years of interest payment provided you have funds to park. How many of you have heard about this before? If not, I would recommend getting in touch with the wonderful team at @gocreditdharma for bringing more transparency to the system
The Spiritual Trader
@ArindamPramnk
A close Relative of mine spent 2 Months talking to 10 banks and had to deal with over 100 Spam Calls just to get a home loan. Why is getting a home loan in India so tough?
The amount of mis-selling and opacity in the system was shocking. In @gocreditdharma their team made everything so much simpler helping us pick and finalize a home loan in just one week. I'd definitely suggest reaching out to them if you want to make getting a home loan a lot easier and clearer
Pros and Cons of Loan Against Property
Advantages
Lower Interest Rates
Higher Sanction Amounts
Longer Repayment Tenure
You Keep Using the Property
Flexible End-Use
Considerations
Risk of Losing the Property
Slower, Paper-Heavy Processing
Limited Loan-to-Value (LTV)
Property Becomes Encumbered
Higher Total Interest Outgo
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WHY CHOOSE US
The Credit Dharma Advantage
 | creditdharma | Others |
|---|---|---|
Lowest Interest Rates offers | YES | NO |
Approval Time | 1-2 Weeks | 3-5 Weeks |
Lifetime Support | YES | NO |
Funding | Upto 100%* | Upto 85% |
Process | Simple & Digital | Loads of Paperwork, Branch Visits |
Credit Dharma Advantage
Talk to an ExpertLoan Against Property Guide
Get detailed answers to the most frequently asked questions, tailored for your peace of mind.