Mortgage Loan or Loans Against Property

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Mortgage Loan at Attractive Interest Rates with Hassle Free

Since the first year of initiation of our business, we have been engaged in providing Mortgage Loan. We provide loan at reasonable interest rates for clients by putting a lien on their property. We ensure to legalize all documents of clients and try to facilitate maximum benefit to clients with least efforts. In addition, our clients can avail Mortgage Loan with ease.

More about Mortgage Loan or Loan Against Property

Mortgage or Loan against property is given as a certain percentage of the Market Value (M.V/ L.T.V Loan to Value) of the property which is generally between 50% and 65%. It is calculated on EMI paying capacity of the borrower. The maximum loan amount a borrower is eligible to obtained by considering:-

  • Total Income: Income/ Earnings from all sources including rent and interest for a month
  • Existing liabilities: EMI on current loan of all types in a month
  • Net amount available to pay EMI for Proposed loan
  • Balance amount as above divided by factor per month

Q. What is Mortgage Loan?
A. A loan that is secured by property or real estate is called a mortgage.

Q. Maximum Amount of Mortgage Loan?
A. As per eligibility.

Q. Tenure for Mortgage Loan?
A. Mortgage loan tenure is for Max 15 Yrs

Q. What is the eligibility criteria for a Mortgage Loan?
A. Anyone — whether self-employed or salaried professionals — with a regular source of income can apply for Mortgage Loans. One must be 21 years old when the loan period begins and should not exceed an age of 65 years when the loan period closes.

Q. How do I determine my eligibility?
A. Your repayment capacity determines your eligibility to apply for Mortgage Loan, lenders considers the following factors:

  • PAN Card
  • Aadhaar Card
  • Bank statements for the past 6 months
  • Educational Qualifications and Job Experience
  • Resident status
  • Credit Score/history (history of past repayment)
  • Any outstanding loan amount

Q. What are the documents required for Mortgage Loan?
A. Documentation requirements and processes vary from one lender to another. The fundamental necessary documents you will be required to submit include:

  • Completed loan application form
  • Passport size photographs
  • Identity proof – PAN Card/Aadhaar Card/Passport Number
  • Residence proof- telephone or electricity bill/property tax receipt
  • Bank statement and salary certificates
  • Statements of investments, if any

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