Questions, answered.

A handful. Notable ones: HDFC Land Loans, Aditya Birla Rural Housing, Muthoot Homefin, Vastu Housing Finance for smaller ticket sizes, and IIFL Home Finance for warehouse land. Rates are 12.5–15% p.a., faster approval than PSU banks but higher processing fees. Ask us which lender fits your ticket size and profile.

Yes — Loan Against Property (LAP) is the standard route. Cooperative banks and rural NBFCs will lend 40–55% of current market value at 12–14% p.a., tenure up to 15 years. Requires clean mutation and unencumbered title. Useful if you want to buy a second property or unlock working capital.

Most banks want 700+ for agriculture land loans, 720+ for commercial/warehouse. NBFCs will go lower (650+) but at 200–300 bps higher rate. Business owners and NRIs sometimes have thin files — we can introduce you to lenders who look at business cashflow instead of just CIBIL.

Land loans are riskier than home loans (no collateral structure), so rates run 100–200 bps higher — typically 11–13% p.a. LTV is capped lower too (60–70%). Down-payment expectation: 30–40%.

Land loans cap at 60–70% LTV for agriculture land, and 65–75% for commercial/warehouse land. Compare with home loans at 80–90%. Practical impact: you need to bring 30–40% down-payment from your own funds. Warehouse land with a lease agreement in place can push LTV closer to 75%.

Very few. Cooperative and rural banks (e.g. HDFC Land Loans, SBI Agri Land Loans, some state cooperatives) offer up to 70% LTV at ~11–13% p.a. tenure 10–15 years. Requires clean title + CLU applied, if buyer is non-agriculturist. We connect buyers with our vetted lender panel.