A Loan Against Property (LAP) routed through Clean EMI lets you raise funds by mortgaging a residential or commercial property you already own, for purposes such as business expansion, medical expenses, education, or consolidating other debts. Clean EMI prepares your file and forwards it to a Public Sector Undertaking (PSU) bank branch, which independently values the property and assesses your repayment capacity before deciding the loan amount and terms. Clean EMI is a private facilitation service — it does not value property or sanction loans; the mortgage terms and the eligible amount are decided entirely by the lending PSU bank.
State Bank of India, Punjab National Bank, Bank of Baroda, Canara Bank, Union Bank of India, Bank of India, Indian Bank, Central Bank of India, Indian Overseas Bank, UCO Bank, Bank of Maharashtra, Punjab & Sind Bank. Interest rates, fees and final approval are decided by the lending bank.
Fill the eligibility form with your PAN, Aadhaar number, loan requirement and city.
We check your CIBIL score. A score of 700 or above is required to proceed further.
Our team checks your papers and flags anything missing.
We identify the PSU bank and scheme suited to your profile.
You visit the nearest branch for verification; the bank sanctions and disburses.
Yes. PSU banks under this portal offer LAP against both residential and commercial property, though the loan-to-value ratio and documentation checks can differ between the two.
Common end-uses include business expansion, medical expenses, education costs and consolidating other loans — PSU banks generally do not restrict LAP to a single purpose, but may ask you to declare the end-use.
A CIBIL score of 700 or above is required to proceed with a Loan Against Property application through this portal.
Yes, this is treated as a LAP balance transfer/takeover — the new PSU bank pays off the existing loan and takes over the mortgage, subject to its own eligibility and valuation checks.
PSU banks typically lend a percentage of the property’s assessed market value (loan-to-value), which varies by property type and bank policy — the LAP eligibility estimator on this page gives an indicative figure.
No fee is charged to applicants by Clean EMI. The lending bank may charge its own processing and valuation fees as per its published schedule.
Fill the eligibility form; we check your CIBIL and documents.
We identify the right PSU bank and scheme for your profile.
You visit once; the bank reviews, sanctions and disburses.
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