Loan against property · Gurugram
Loan Lene Ka Sahi Tarika
Loan against property in Gurugram: flat, floor, shop or unit
A paid-off flat in Gurugram can raise a large sum for less than borrowing without security. We compare banks, HFCs and NBFCs on your property and income, and the lender's valuation sets the amount.
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₹0 fee · Doorstep documents
Just your name and number. Your advisor calls you back on working days.
Loan against property at a glance
- Starting rate8.15%*p.a., for eligible profiles
- Loan amount₹5 lakh – ₹10 crore
- TenureUp to 15 yrs
- Our fee₹0Paid by the bank
*Starting rate as of October 2026 for eligible profiles; rates change from time to time. Final rate, amount, fees and approval are decided by the lender based on your profile.
Who it suits in Gurugram
Owners of a flat in a Sohna Road society
Established societies are easy for lenders to value, so a paid-off flat in Sectors 47–50 or South City II can support a sizeable loan.
Unit owners in Manesar and Udyog Vihar
Money for a new line or working capital against the unit or another property. HSIIDC industrial plots need the corporation's mortgage permission first.
Professionals who own their workspace
Doctors, CAs and consultants with a shop or office in a commercial sector who want to fund growth at a secured-loan cost.
Good to know in Gurugram
- Expect an offer of around 50–70% of market value. Where your property sits in that range depends on its type and your income.
- Builder floors and plots need clear title and an approved building plan. Lenders vary more here than they do with society flats.
- If a home loan is still running on the property, LAP can come as a top-up or with a transfer to a new lender. Ask your advisor to price both routes.
- The lender sends its own valuer and legal team. Your advisor at our Gurugram branch in Sector 48 sets up those visits and keeps the file moving.
Lenders we compare
One application, compared across the lenders that fit your profile. Your loan agreement is always with the lender.
You share your details once — ₹0 fee
ProperPaisa (bank-authorized DSA) takes your file to the right lenders
Bank / NBFC sanctions the loan — your agreement is with them
HDFC BankPrivate bank
ICICI BankPrivate bank
Axis BankPrivate bank
Kotak Mahindra BankPrivate bank
IndusInd BankPrivate bank
Yes BankPrivate bank
IDFC FIRST BankPrivate bank
IDBI BankPrivate bank
Federal BankPrivate bank
RBL BankPrivate bank
Bandhan BankPrivate bank
AU Small Finance BankPrivate bank
Ujjivan Small Finance BankPrivate bank
Shivalik Small Finance BankPrivate bank
Standard CharteredPrivate bank
Deutsche BankPrivate bank
State Bank of IndiaGovt bank
Bank of BarodaGovt bank
Punjab National BankGovt bank
Canara BankGovt bank
Union Bank of IndiaGovt bank
Bank of IndiaGovt bank
Indian BankGovt bank
Central Bank of IndiaGovt bank
Logos are trademarks of their owners and identify lenders we work with, directly or through our channel partner; they do not imply endorsement.
Check your EMI
Move the sliders to see your monthly EMI. Your advisor brings actual quotes from matched lenders.
Our Gurugram office
ProperPaisa — Gurugram — Tikri
Shop No 12 Titri, near by Sbi Atm, Tikri, Sector 48, Gurugram, Haryana 122018
Mon–Sat, 9:30 AM – 6:30 PM · Sunday closed
90344 40129Directions in Google Maps →Loan against property in Gurugram: questions
Can I take LAP on a Gurugram flat that still has a home loan on it?
Often yes, through a top-up or by moving the home loan to a lender that adds LAP on top. The total stays within the lender's valuation and your income.
Is a builder floor accepted?
Many lenders accept builder floors with clear title and approved plans, though some are stricter than others. Your advisor shows you the ones that suit your papers.
Does an IMT Manesar plot need HSIIDC permission?
Usually yes. HSIIDC industrial plots generally need the corporation's permission to mortgage, so apply for it early, alongside the loan.
What's the cost of using ProperPaisa for LAP?
Zero for you. The lender pays us as its authorised partner, and its processing and legal charges are listed before you choose an offer.
ProperPaisa is not a lender. We are an authorised DSA (Direct Selling Agent) of our partner banks and NBFCs, directly or through our channel partner. Loans are sanctioned solely by the lender; rates, fees and approval depend on your profile and lender policy. ProperPaisa's service is ₹0 for customers. Coin and fee-refund benefits apply to qualifying disbursals only; T&C apply. Tanishq is a trademark of Titan Company Ltd. and Kalyan Jewellers of Kalyan Jewellers India Ltd.; coins are bought at retail and ProperPaisa is not affiliated with either.