Explore finance backed by property
A loan against property lets you use residential or commercial property you own to access larger funds, often over a longer tenure than unsecured credit.
Common reasons people choose a mortgage loan
Business funding
Expansion or working capital backed by property.
Debt consolidation
Combine higher-cost borrowings into one structured loan.
Major expenses
Education, medical or family milestones.
Commercial property
Shops, offices and other income-generating property.
What to expect
- Residential and commercial property considered
- Loan amount depends on valuation and lender's loan-to-value policy
- Title and documentation checked early to avoid delays
- Repayment considerations explained, including the risk to the property
Rates, amounts and tenures depend on the lender and your profile.
Illustrative EMI example
- Amount
- ₹30,00,000
- Assumed rate
- 10% p.a.
- Tenure
- 15 years
Estimated monthly EMI
₹32,238
Total interest ₹28,02,868 over 15 years
Example only, not a quote. Excludes fees, insurance and other charges.
Try your own numbersDocuments and eligibility
A general guide. Each lender sets its own requirements, and we'll confirm the exact list for your case.
Documents usually requested
- KYC: PAN card and Aadhaar (or other accepted ID and address proof)
- Income proof: salary slips or ITR and financials
- Bank statements (usually last 6-12 months)
- Complete property title documents and approved plan
- Property tax receipts and society NOC, where applicable
What lenders typically assess
- Property value, title and marketability
- Owner's income and repayment capacity
- Credit history
- Existing loans on the property
How consultation and lender evaluation work
Share your needs
Tell us the loan type, rough amount and how to reach you. A short form or a phone call is enough.
Personal consultation
We understand your objectives and financial situation, and talk through realistic options.
Review lending routes
We discuss which lenders and products suit you, and what each is likely to require.
Prepare your application
We clarify documents and eligibility points so your file is complete before it's submitted.
Lender decision
The lender evaluates and verifies. Approval, terms and disbursement follow its policies.
Mortgage Loan questions
Can I keep living in the property?
What happens if I can't repay?
Other services
Talk to us about your mortgage loan.
Speak with our consultancy team about your financing needs.