Mortgage Loan (LAP)
Unlock high-value liquidity against your residential or commercial property to expand business or fund personal goals.
₹10 lakh to ₹10 crore
Why borrowers choose it
Finance Against Property
Eligible residential or commercial property may be considered as security for financing, subject to lender policy.
Flexible Purpose Evaluation
Funding requirements can be evaluated for eligible personal, business, expansion, or other permitted purposes.
Property-Based Assessment
The property, ownership documentation, valuation, applicant profile, and repayment capacity are considered together.
Lender Coordination
We assist with lender coordination and documentation through the financing process.
Who it suits
- Property Ownership
- Repayment Capacity
- Clear Property Documentation
How it works
Discuss Your Funding Need
Share the purpose of finance, property details, approximate requirement, and applicant profile.
Property & Financial Assessment
The property, ownership documentation, financial profile, existing obligations, and funding requirement are reviewed.
Document Collection
Relevant KYC, income, financial, property, and existing liability documents are collected as applicable.
Lender Evaluation
The lender performs its credit, legal, technical, valuation, and policy checks.
Sanction & Documentation
Approved facilities proceed through sanction, legal documentation, and other lender requirements.
Disbursement
Funds are disbursed in accordance with the approved facility and lender conditions.
Documents to keep ready
Having these at hand shortens the time to sanction. We check every file before it goes to the lender.
- PAN Card
- Identity & Address Proof
- Recent Photographs
- Bank Statements
- Income Proof
- Income Tax Returns
- Existing Loan Statements
- Property Title Documents
- Property Approval Documents
- Property Valuation / Technical Documents
- Financial Statements
- Business / Company Documents
Common questions
What is a mortgage loan or loan against property?
A mortgage loan, commonly referred to as a loan against property, is financing secured against an eligible property and is subject to the lending institution’s terms and assessment.
What type of property can be considered?
Eligible residential or commercial properties may be considered depending on the lender’s legal, technical, valuation, location, and policy requirements.
What documents are generally required?
Documents may include KYC, income and financial records, property title documents, existing loan information, and other documents required for legal, technical, valuation, and credit assessment.
Can the loan be used for business purposes?
Eligible business or other permitted purposes may be considered, subject to the lending institution’s policy and assessment of the applicant and proposed use of funds.
Is the property valuation part of the process?
Yes. The lending institution may conduct property valuation and legal and technical assessment as part of its credit process.
Other loans we arrange
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Get in touch with our advisors for guidance on the loan that fits your plans.