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Loan Against Property – A Practical Way to Unlock the Value of What You Own
You may need sizeable funds to scale a business, renovate your home, or consolidate existing liabilities. In such situations, selling assets may not always be the preferred option. This is where a loan against property can offer a practical alternative. By leveraging the value of a property you already own, you can access substantial funds while continuing to retain ownership of the asset.
What Is a Loan Against Property
A loan against property is a secured loan in which a residential or commercial property is mortgaged in favour of the lender. The loan amount sanctioned is based on the market value of the property and your financial and personal profile.
Why Borrowers Choose a Loan Against Property
One of the primary reasons borrowers opt for a loan against property is feasibility. Compared to personal loans, loan against property interest rates are usually more competitive due to the presence of collateral. This makes it suitable for larger funding requirements where lower interest outgo can make a meaningful difference over time.
Another advantage lies in flexibility. Funds raised through this route can be used for purposes such as housing expenses, business expenses and more, depending on lender policies, making it a versatile financing option for both planned and urgent needs.
Using a Loan Against Property EMI Calculator
A loan against property EMI calculator can help you estimate monthly instalments by factoring in the loan amount, applicable interest rate, and chosen tenure.
By adjusting these inputs, borrowers can explore different repayment scenarios and identify an option that fits comfortably within their income and long-term financial plans. Many calculators also provide an amortisation schedule, showing how each EMI is divided between principal and interest over time.
Applying Loan Against Property Online
With digitisation, it has become easier to apply for a loan against property online. The process is designed to be convenient and transparent, allowing borrowers to initiate applications from anywhere.
Typically, the process begins with checking eligibility and estimating EMIs using online tools. This is followed by submitting personal, financial, and property details through a digital application form. Required documents are shared for verification, after which the lender carries out a credit assessment and property valuation. Once approved, the sanctioned amount is disbursed as per agreed terms.
A loan against property can help you meet urgent business or housing requirements. Understanding loan against property interest rates, using an EMI calculator, and reviewing the eligibility criteria can help you avail of it easily.
With thoughtful planning, a loan against property can fund your long-term goals while retaining your ownership.
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Alphabet Q1 profit jumps 81 per cent as revenue climbs to $109.9 billion
AI-led growth fuels strong gains across Search, Cloud and YouTube
CALIFORNIA: Alphabet Inc. kicked off 2026 with a strong first quarter, reporting an 81 per cent surge in net income to $62.58 billion, powered by robust growth across its core businesses and a sharp acceleration in cloud and AI-driven services.
Revenue rose 22 per cent year-on-year to $109.9 billion, or 19 per cent in constant currency, marking the company’s 11th consecutive quarter of double-digit growth. Operating income increased 30 per cent to $39.7 billion, while operating margin expanded to 36.1 per cent from 34 per cent a year earlier.
Diluted earnings per share climbed 82 per cent to $5.11, reflecting both operational strength and a significant boost from other income, which stood at $37.7 billion, largely driven by unrealised gains on equity investments.
Alphabet Inc. CEO Sundar Pichai said, “2026 is off to a terrific start. Our AI investments and full stack approach are lighting up every part of the business.”
The company’s core Google Services segment generated $89.6 billion in revenue, up 16 per cent year-on-year. Growth was led by a 19 per cent increase in Search and other revenues to $60.4 billion, a 19 per cent rise in subscriptions, platforms and devices to $12.38 billion, and an 11 per cent growth in YouTube ads to $9.88 billion.
Cloud emerged as the standout performer. Google Cloud Platform revenues jumped 63 per cent to $20.03 billion, with operating income rising sharply to $6.6 billion from $2.18 billion a year earlier. The growth was driven by enterprise demand for AI infrastructure and solutions.
Pichai highlighted strong traction in AI, noting that the company’s Gemini models are now processing more than 16 billion tokens per minute, up 60 per cent from the previous quarter. Paid subscriptions across services reached 350 million, while Gemini Enterprise saw a 40 per cent quarter-on-quarter rise in paid monthly active users.
The company also reported that Waymo has crossed 500,000 fully autonomous rides per week, signalling growing momentum in its Other Bets segment, though the unit continued to post a loss of $2.1 billion.
Total costs and expenses increased to $70.2 billion, reflecting higher investments in research, AI infrastructure and talent. Headcount rose to 194,668 employees, up from 185,719 a year earlier.
Alphabet also strengthened its capital strategy, issuing $31.1 billion in senior unsecured notes during the quarter and announcing a 5 per cent increase in its dividend to $0.22 per share, payable in June 2026.
With AI at the centre of its growth engine and cloud demand surging, Alphabet appears to be scaling both innovation and profitability. As its core businesses remain resilient and newer bets gain traction, the company is positioning itself strongly for the next phase of digital and AI-led expansion.
