Loan Against Property — Qubik Finserv | Unlock the value already sitting in your property.
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Loan Against Property

Unlock the value
already sitting in your property.

Leverage residential or commercial property to fund business expansion, consolidate debt, or meet large personal expenses — at rates lower than unsecured credit.

Apply Now Calculate EMI
Up to ₹5 CrLoan amount
Up to 15 yrsTenure
Couple reviewing property loan documents with a model house
Why this loan

Built around how you actually borrow

Lower rates, longer tenure

Secured against property, so pricing is more favourable than unsecured loans.

Residential & commercial accepted

Self-owned property, leased-out property or commercial premises all qualify.

High-value funding

Larger ticket sizes for business expansion, consolidation or large expenses.

Continue using the property

You retain ownership and use of the property throughout the tenure.

Eligibility

Who can apply

  • Clear and marketable title to the property
  • Property located in an approved city/area
  • Stable income source (salaried or self-employed/business)
  • Age 25–65 years at loan maturity
Documentation

What you'll need

  • Property title deed & documents
  • KYC of all owners/applicants
  • Income proof (salary slips or ITRs/GST)
  • Existing loan statements, if any
Plan before you borrow

Loan Against Property EMI Calculator

Move the sliders to see your monthly instalment instantly. No sign-up, no surprises.

₹5,000,000
₹500,000₹50,000,000
10.5%
8%24%
10 yrs
1 yr30 yrs
Monthly EMI
₹0
INTEREST0%
Principal amount₹0
Total interest₹0
Total payable₹0
Apply for this loan

Indicative only · final terms subject to credit assessment

How it works

From application to disbursal, in four steps

01

Apply online

Share a few details and the facility you need. It takes a couple of minutes — no branch visit required.

02

Submit documents

Upload KYC and income proof digitally. Our team verifies everything securely and gets in touch.

03

Get your offer

Receive a transparent, personalised offer with clear rates, tenure and EMI — usually within 24–48 hours.

04

Receive funds

Accept the offer and funds are disbursed straight to your account. Track everything in one place.

Questions, answered

Loan Against Property FAQs

Straight answers on rates, tenure, and documentation.

What loan-to-value can I expect?
Typically up to 60–70% of the assessed market value of the property, depending on property type, location and your income profile.
Can I use a leased-out property?
Yes, subject to verification of the lease and its residual tenure — talk to our team for the specifics of your case.
What happens if I default?
As with any secured loan, the lender has the right to recover dues from the property in case of persistent default, as per RBI-mandated recovery norms.
How long does approval take?
Property valuation and legal verification typically take longer than unsecured products — expect a few extra days beyond the standard 24–48 hour indicative timeline.

Ready to apply for a loan against property?

Share a few details and our team will get back to you with a transparent, personalised offer — usually within 24–48 hours.

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