Mortgage Loan — Up to ₹3 Crores from 8.75% p.a.

Features & benefits

Unlock the value of your property

Your property has been quietly building value for years — a mortgage loan (loan against property) lets you tap that value without selling, at rates well below any unsecured loan. Pledge the asset, keep living in or running it, and use the payout for whatever the moment calls for.

Loan amount up to ₹3 Crores
Interest rates starting from 8.75% p.a.
Tenure up to 20 years
Low processing fees
Quick approval process
Flexible end-use of funds

Apply for Mortgage Loan → Check Eligibility →

₹0 Crores

Maximum loan amount

8.75% p.a.

Starting interest rate

0 Years

Maximum tenure

Key benefits

Mortgage loan advantages

Borrow Against What You Own

Up to 70% of your property's value, capped at ₹3 Crores — no need to part with the asset itself.

Secured Means Cheaper

From 8.75% p.a. — pledging property gets you a rate no unsecured loan can match.

No Questions on End-Use

Business expansion, a child's education, medical bills, or anything else — the funds are yours to direct.

Up to 20 Years to Repay

A long runway keeps the EMI manageable alongside your other commitments.

Tax Benefits

Potential tax benefits depending on how the loan amount is used.

Balance Transfer

Transfer your existing loan against property to us for a better rate.

Coverage

Eligible property types

Assetra mascot flying with open arms between cloud islands holding a property deed, a house with a percentage tag, a bank building, a growth graph, and a stack of coins — what a mortgage loan can unlock

Residential

Independent houses & villas
Apartments & builder floors
Residential plots & complexes

Commercial

Office & retail spaces
Industrial property & land
Mixed-use buildings & hotels

Loan details

Amount, interest & repayment

Loan Amount

Based on your property's market value.

₹5L – ₹3Cr

Loan-to-value (LTV) up to 70%

Interest Rates

Rate depends on your employment type.

8.75% – 12.5%

Salaried: 8.75-11.25%
Self-employed: 9.25-12.5%

Repayment

Tenure depends on your employment type.

Up to 20 Years

Salaried: up to 20 years
Self-employed: up to 15 years

Requirements

Eligibility criteria

Salaried Applicants

Age 21-60 years
Minimum income ₹25,000/month
2 years of employment stability

Self-Employed Applicants

Age 21-65 years
3 years in current business
Minimum annual income ₹3 Lakhs

Property Requirements

Clear and marketable title
No legal encumbrances
Property age under 50 years

Financial Requirements

CIBIL score of 700 or above
FOIR (debt-to-income) up to 55%
LTV capped at 70%

Documentation

Required documents

Identity & Address

Aadhaar, PAN, Passport
Recent address proof

Income (Salaried)

Salary slips (3 months)
Form 16 / ITR (2 years)

Income (Self-Employed)

ITR & financials (2-3 years)
Business registration proof

Property Documents

Title deed & sale agreement
Property tax receipts

Balance Transfer (if applicable)

Existing loan statement
Foreclosure letter / NOC

Simple process

How to apply

Apply Online

Fill our short mortgage loan form — takes just a few minutes.

Document Submission

Share your KYC, income and property documents for verification.

Legal & Technical Check

Our partner bank conducts a legal and technical valuation of the property.

Loan Disbursement

Funds are disbursed directly to your bank account.

Questions & answers

Frequently asked questions

You can typically borrow up to 70% of your property's current market value, subject to a maximum of ₹3 Crores, and depending on your income, credit profile, and the property's condition and location.

Yes, a mortgage loan (loan against property) has no end-use restriction — you can use the funds for business expansion, your child's education, medical expenses, or any other personal requirement.

A CIBIL score of 700 or above is generally required for the best rates and approval odds. Lower scores may still qualify but typically with a reduced loan amount or a higher interest rate.

No, salaried applicants can get a tenure of up to 20 years, while self-employed applicants are typically capped at 15 years, reflecting the difference in income predictability assessed by lenders.

Yes, our balance transfer facility lets you move your existing mortgage loan to a more competitive interest rate, potentially lowering your EMI or freeing up additional funds through a top-up.