About Mortgage Loan

A mortgage loan is a type of secured loan where you can avail funds by providing your asset as collateral to the lender. This is a popular form of financing as it helps the borrower avail a high loan amount and prolonged repayment tenure.

A mortgage is usually a loan sanctioned against an immovable asset like a house or a commercial property. The lender keeps the asset as collateral until the borrower repays the total loan amount.

Mortgage loans are of 3 types

  • Residential Properties
  • Commercial Properties
  • Vacant Land Properties

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How does a Mortgage Loan work?

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Secure In Nature

Mortgage loans are secured in nature. A borrower must mortgage a property with the lender to avail this type of a mortgage loan. The collateral is held by the lender until full repayment of the loan is done. The loan is repaid through equated monthly instalments or EMIs.

Repayment Tenure

The mortgage loan repayment tenure is calculated on the basis of amortisation. It refers to the process of calculating the amount of EMI. The value mainly depends upon the mortgage loan interest rates and the principal loan amount.

Interest Component

At the initial stages, the interest component will constitute a larger part of your EMIs as compared to the principal amount. As you continue through the repayment tenure, the principal component of your EMI will increase while the interest value will decrease. However, the total EMI value will remain constant throughout the tenure.

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Features of Mortgage Loan

High-Value Loans

High Value Loans for Salaried as well as Self Employed individuals upto 100 Crores and above.

100% Funding

Minimum required documents can be provided and availed 100% funding upto 2 Crores of Mortgage Loans.

Competitive Interest Rates

Mortgage loan interest rates are lower than the interest rates of unsecured loans.

Simple Eligibility Criteria

The mortgage loan eligibility criteria can be fulfilled easily. You have to be within the age bracket of 33 and 58 years if you are salaried, and between 25 and 70 years of age if you are self-employed.

Mortgage Loan - Eligibility

Any salaried, self-employed or professional Public and Private companies, Government sector employees including Public Sector is eligible for a mortgage loan.


Maximum age of applicant at loan maturity: 70 years


Minimum Net Monthly Income: Rs 15,000

Credit Rating

Applicant should have the bank specified credit score.

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