Property-backed loans

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Product and bank⇅	Eligible collateral⇅	Interest rate⇅	Finance available⇅	Margin / LTV⇅	Maximum tenure⇅	Processing fee⇅	Facility / channels⇅
SBI Loan Against PropertyState Bank of India	Equitable mortgage of an eligible residential home or flat or select commercial property rented commercial property also requires assignment of rent and additional agreements	One-year MCLR plus 1.45%-2.50% when salary provides over 50% of NMI, or plus 2.10%-3.00% when business, profession or rent provides over 50% the linked spread table was last updated in 2019	₹10 lakh to ₹7.5 crore, with the maximum subject to property location	65% for loans up to ₹1 crore 60% above ₹1 crore and up to ₹7.5 crore	Minimum five years and maximum 15 years, subject to income continuity, property life and repayment before the eldest borrower turns 70	Processing fee 1% of loan amount, maximum ₹50,000, plus applicable tax no published prepayment penalty	Not published

Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.