Written by the Atlanta Group team · Last reviewed 31 October 2026
The amount depends on your property's market value, the lender's loan-to-value limit and what you can repay. A lender also checks the property, so a refusal is not always about you.
How much can I borrow?
Lenders look at the property's market value and apply their own loan-to-value limit, then check whether your income can support the EMI. The limit differs by lender and property, so there is no single figure. Ask each lender for its limit in writing.
Why was my application rejected?
The lender reviews the property as well as you. A disputed or illegal property, unauthorised additions, an older property, or one not in the applicant's name can lead to rejection. Income, credit record and documents matter too. One lender's rule, such as a property age limit, is not a rule for all.
What should I check before applying?
Gather your title and ownership papers, tax receipts and approved plan. Check that the property is in your name and free of disputes. Know your existing EMIs.
What is the risk?
Your property secures the loan. If repayments are missed, the lender can recover its dues through the property as the agreement and law allow. Talk to the lender early if you are struggling.
Related: Loan Against Property · LAP Balance Transfer · LAP Top-up
Talk to Our Financial Team: +91 84470 44297 (call or WhatsApp). Atlanta Group is not a lender; loans come from associated banks, NBFCs and private finance providers. Approval is not guaranteed.
Atlanta Group is a loan facilitation company, not a lender. This guide is general information, not financial advice. Rates, fees and eligibility are set by each lender: ask the lender for its Key Fact Statement before you accept.
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