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Loan Against Property Saver
  1. Business Banking
  2. Business Expansion
  3. Loan Against Property Saver

Loan Against Property Saver

Reduce your interest burden by saving more in LAP saver

Loan Against Property Saver Benefits
  • Save

    on your loan to utilise the same later

  • Tenor up to
    20 years

    flexible loan tenure

  • Loans up to

    of property value

Loan Against Property Saver Features

Loan against property bundle

Avail funding up to 80% of the property value and maximum of up to 90% as a Term loan and Working capital limits combo.

High loan value & flexible tenure

Avail loan up to INR 25 Crore with flexible tenure of up to 20 years. Avail Loans up to 75% of property value for residential & 60% on Commercials properties.

Save big with Loan Against Property Saver

With LAP Saver, save Interest up on your loan while reduction in loan tenure compared to a Term Loan.

Simplified interest calculations

With a Home Saver loan, interest is calculated on daily balance and applied monthly.
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Business installment loan - Standard Chartered Bank
Business working capital - Standard Chartered Bank

Loan against Property eligible entities:

  • Partnership firm (Including Limited Liability Partnership firms)
  •  Sole Proprietorship entity
  •  Private Limited Companies(including closely held limited companies)
  •  Entity should have profitable business
  •  Minimum 3 years of business operation
  • Minimum annual turnover of INR 100 lakhs for entity

Documents required for Loan against Property:

  • Documents related to establishment of entity, identity and address proof
  •  Documents pertaining to your property
  •  Latest 2-years annual return including Profit & Loss (P&L) statement, balance sheet and income tax returns.
  •  Latest 6 months bank statements
  •  Specific details would be provided by the sales officer.


All applications may be subjected to additional documents and are still subject to, and conditional upon the Bank’s approval in the Bank’s sole discretion.

For details, please click here
For details, please click here

You can apply for a Loan Against property in the following ways:

  1. Online application form and our representative will get in touch with you.
  2. Call on one of our customer care number- 39401616 / 66011616, add city code before number.
  3. Write to us at customercare.business@sc.com.
  4. Visit your nearest Standard Chartered branch.
  5. If you are a liability customer you may also get in touch with your relationship managers to know more and apply for a LAP.

We offer:

  1. Loan against multiple property type residential – self occupied or rented as well as commercial property – premise or a shop.
  2. Loan for commercial purchase.
  3. The above variants can be taken as a normal LAP term loan or as a LAP saver facility.

Incremental funding option post 6 months of clean repayment.

We offer:

  1. Attractive semi fixed / variable interest rate, multiple property type loan against property (residential – self occupied or rented / commercial – premise or a shop).
  2. Attractive loan variants having substantial interest saving option – LAP savers.
  3. Opportunity to avail gamut of offerings to SMEs i.e. business banking products, trade and working capital solutions, Forex and cash management offerings.
  1. Internal rating scorecard is used for selecting eligible customers.
  2. It is based on a combination of parameters:
    – Loan repayment track
    – Credit performance / Credit bureau update
    – Debt servicing ability of the customer
    – Business vintage
    – Financial ratios
    – Existing relationship
  1. Sole proprietors / proprietorship firms.
  2. Partnership firms.
  3. Private-limited companies.
  4. Closely-held and public-limited companies.

The maximum tenure for which you can avail the facility is up to 20 years.

  1. We accept both residential and commercial property as security.
  2. No plot or under construction properties will be allowed.
  1. Pre-payment is not permitted in the first 12 months of the loan.
  2. You can pre-pay your loan with pre-closure charges of 4% of the outstanding within 24 months of on boarding, 2% between 25 to 60 months of on boarding and 0% post 60 months of on boarding (GST will apply additionally).

You can part prepay your loan with pre-closure charges of 2% of the amount being part prepaid (GST will apply additionally).

Decisioning of the loan may take a minimum of 7 working days to process once all requirements as required by the bank are completed.
Disbursal of the loan will take a minimum of 5 working days from the time of submission of loan related documents as requested by the bank.