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Mortgage Loan / Loan Against Property – Unlock Property Value

Raise high‑value funds by pledging residential or commercial property, with lower interest rates and longer repayment flexibility.

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Type of Business
Nature of Business
Preferred Loan Tenure (months)
Existing Loans
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If Yes,
Purpose of Loan

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Key Features

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Secured loan against residential/commercial property

Higher loan amounts due to collateral

Tenure: Typically 5–15 years

Lower rates than unsecured loans

Balance transfer/top-up options

Best For

  • Large business expansion and working capital

  • Consolidating high-cost debts

  • High-value personal or professional needs

  • Funding education/medical of large ticket size

Eligibility Criteria

  • Ownership: Clear title to property; acceptable collateral type

  • Applicant: Salaried or self-employed

  • Repayment Capacity: Income/business cashflows

  • Credit Score: Generally 680+

  • Property Valuation: Satisfactory LTV as per policy

Documents Required

  • KYC: Applicant(s)

  • Income: Salary slips/Form 16/bank statements OR ITR/financials/GST for business

  • Property Dossier: Title deed, link documents, EC, tax paid receipts, sanctioned plan/OC (where relevant), NOCs, Khata/Patta/RTC

  • Existing Loan Statements (if any)

Where Can You Use the Loan?

  • Business expansion/capital expenditure

  • Working capital and vendor settlements

  • Debt consolidation of credit cards/personal loans

  • Education abroad/medical treatment

  • Home renovation or buying another asset

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