Loan Against Property
Unlock funds against residential or commercial property you already own, for business expansion, education, medical expenses, or any large need. Because it's secured, it typically comes at a lower rate than unsecured loans. It is also commonly called a mortgage loan.
Loan Amount
₹5,00,000 – ₹5,00,00,000
Who it's for
Property owners
Tenure
Up to 15 years
Collateral
Property you already own
How It Works
From enquiry to disbursal in four steps
A clear, guided process so you always know what happens next.
Share your requirement
Tell us the loan type and amount you need, on a call, on WhatsApp, or through our eligibility check.
We compare lender offers
We match your profile against our partner banks and NBFCs to find offers you're likely to qualify for.
Submit your documents
We guide you through documentation and submit your application directly to the chosen lender.
Get your funds disbursed
Once the lender approves your application, funds are disbursed directly to your account.
Free enquiry
Check your loan against property options
Share a few details and we'll call you back to go through lenders that fit your profile.
- We call you to understand your requirement and income profile.
- We check which partner lenders are a realistic fit before anything is submitted.
- You decide whether to proceed. Nothing goes to a lender without your go-ahead.
Eligibility Criteria
- Age between 21 and 65 years (at loan maturity)
- Clear ownership of the property offered as collateral
- Stable income as a salaried or self-employed individual
- Credit score of 700 or above generally preferred
Documents Required
- PAN Card and Aadhaar Card
- Income proof: salary slips/ITR and bank statements
- Property ownership documents and encumbrance certificate
- Property tax receipts
FAQ
Loan Against Property questions
It depends on your credit score, income, the loan amount and tenure, and the lender you apply with, and for a secured loan, the property itself. Rates also change over time, so we don't publish a figure. Once we've reviewed your profile, we'll share lender-specific terms.
In everyday use in India, yes. When most people say "mortgage loan", they mean borrowing against a property they already own, which is what lenders call a loan against property. If you want finance to buy a shop or office instead, see our Commercial Property Loan page.
Loan against property is typically a multi-purpose loan with no strict end-use restriction, though lenders may ask for a general declaration of purpose at the time of application.
Many lenders accept rented properties as collateral, though policies vary. Your relationship manager can confirm eligibility for your specific property.
Explore More
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Ready to apply for a loan against property?
Talk to our team and we'll match you with the right lender for your profile.