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Loan Against Property Calculator

Work out loan against property instantly with clear inputs, formula shown and shareable results.

About Loan Against Property Calculator

A loan against property is secured on real estate you already own, so lenders advance a set share of market value. The loan-to-value cap protects the lender against a fall in value and forced-sale costs.

Formula

LTV based sizing

Loan = market value × LTV; EMI = PMT(loan, r, n)

Worked example

With the default values below, Loan Against Property Calculator returns Loan Available of $7,200,000. Change any input above and every figure here is recalculated in your browser.

Inputs used

Market Value Of Propertyminimum 0
12,000,000
Loan To Value Allowedaccepts 10–90 %
60 %
Annual Interest Rateaccepts 0–100 %
9.75 %
Tenure In Yearsaccepts 1–25
15

Results

Loan Available
$7,200,000
Monthly EMI
$76,274.11
Total Interest
$6,529,340.12
Equity Left In The Property
$4,800,000.00

Step by step

  1. 1Values used
  2. 2LTV based sizing
  3. 3Loan Available= 7,200,000
  4. 4Monthly EMI= 76,274.11
  5. 5Total Interest= 6,529,340.12
  6. 6Equity Left In The Property= 4,800,000.00

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.

Frequently Asked Questions

Why is LTV lower than on a purchase loan?

Mortgages on a purchase are priority-funded and closely valued; a cash-out loan is riskier, so lenders keep a wider cushion.

What happens if the property value falls?

The lender can ask for extra security or a part payment if the agreed LTV is breached.

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