Secured finance

Property against loan

Unlock the value of a house or commercial unit you already own and continue to use.

Brief introduction

A property against loan, also called loan against property, lets you raise a larger amount by mortgaging residential or commercial premises. You remain in possession. Funds may be used for business expansion, education, medical needs or other genuine purposes permitted by the lender.

We help you gather title papers, understand valuation and keep the charge on property clearly explained before you commit.

Apply for this loan
Residential property building

Documents required

  • KYC of owner and co-applicants
  • Income documents: salary, ITR or business proofs
  • Bank statements for 6 to 12 months
  • Sale deed, previous chain of documents and latest tax paid receipt
  • Society share certificate or occupancy documents if applicable
  • Approved plan and completion certificate where available
  • Existing loan closure letter if the property already has a mortgage

What we review

  • Clear marketable title
  • Comfortable loan-to-value after valuation
  • End-use declaration as required by the lender