Home FinanceDec 12, 2025 · 6 min read
Home Loan vs. Loan Against Property: Which is right for you?
Both are secured against property, but the purpose, rates and tenure differ. Here's how to decide.
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From 10.25% p.a.
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From 8.35% p.a.
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From 14.00% p.a.
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Loan Amount₹ 15,00,000
₹50K₹2Cr
Interest Rate (p.a.)9.50 %
6%24%
Tenure15 Years
1 Yr30 Yrs
Monthly EMI
15,663
Principal
₹ 15,00,000
Total Interest
₹ 13,19,407
Total Payable₹ 28,19,407
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Net Monthly Income₹ 80,000
Existing Monthly Obligations₹ 10,000
Interest Rate (p.a.)10.0 %
Tenure15 Years
You may be eligible for up to
₹ 27,91,723
Based on a maximum EMI of ₹ 30,000/mo. This is an indicative estimate — final eligibility is decided by the lender.
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Six reasons India trusts us with its financial decisions
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BharatBest Financial Services is a financial marketplace connecting customers with multiple Banks and NBFCs. We combine technology with human expertise so that every borrower — from families to enterprises — finds the right loan with clarity and confidence.
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SSBI
HHDFC Bank
IICICI Bank
AAxis Bank
KKotak Mahindra Bank
PPunjab National Bank
BBank of Baroda
CCanara Bank
IIDFC FIRST Bank
IIndusInd Bank
AAU Small Finance Bank
FFederal Bank
NNBFC Partners
CCanara Bank
IIDFC FIRST Bank
IIndusInd Bank
AAU Small Finance Bank
FFederal Bank
NNBFC Partners
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“BharatBest compared six banks for me and found a rate 0.8% lower than my own bank offered. The RM handled everything.”
Ananya Sharma
Home Loan · Pune
“As a first-time borrower I was nervous. Their advisor explained every term clearly and I got collateral-free funding in 4 days.”
Rahul Verma
Business Loan · Delhi
“Transparent, fast and genuinely helpful. No hidden charges, exactly what they promised. Highly recommended.”
Meera Nair
Personal Loan · Kochi
“The eligibility tool gave me a realistic number instantly. Disbursal was smooth and the paperwork minimal.”
Vikram Singh
Loan Against Property · Jaipur
Blog & Insights
Latest from the newsroom
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Personal FinanceDec 08, 2025 · 4 min read
5 factors that decide your personal loan interest rate
From your CIBIL score to income stability — understand what lenders really look at.
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BusinessDec 02, 2025 · 7 min read
A first-timer's guide to business loans in India
Collateral-free options, documents you'll need, and how to strengthen your application.
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