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Property as Collateral

Mortgage Loans at 10% p.a.

Up to ₹20 Crore against residential or commercial property. Highest LTV. Any end use. 20-year tenure.

₹20 Crore
Max Amount
10% p.a.
Interest Rate
20 Years
Max Tenure
Up to 75%
LTV
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KEY BENEFITS

Why Choose Mortgage Loans

🏢

Residential & Commercial

Mortgage against any property type — apartment, villa, shop, office, or warehouse.

💰

Highest LTV Available

Get up to 75–80% of your property's market value as a loan. Maximum funds unlocked.

🎯

Any End Use

Business expansion, education, medical, travel, debt consolidation — no restrictions.

📅

Long Tenure — 20 Years

Low EMI with up to 20-year repayment tenure. Manage cash flow comfortably.

🔄

Balance Transfer

Transfer your existing high-rate mortgage loan for lower EMIs and significant interest savings.

⚡

Top-Up on Existing Loan

Already have a mortgage loan? Get a top-up loan without fresh property valuation.

EMI CALCULATOR

Plan Your Mortgage Loan

₹50.0L
₹5L₹20Cr
10 Years
1 Yr20 Yrs
Monthly EMI
₹66,075
Interest
₹29,29,044
Total
₹79,29,044
Apply for This Loan
ELIGIBILITY

Who Can Apply?

Applicant
Individual, HUF, Sole Proprietor, or company (for LAP)
Age
23 to 65 years at loan maturity (individual)
Property
Residential or commercial property in approved locations
CIBIL Score
700+ preferred; 680+ considered for higher-value properties
Income
Salaried: ₹40,000/month; Self-employed: ₹5L p.a. net profit
LTV Ratio
Up to 75% of property value for residential; 60% for commercial
DOCUMENTS

What You'll Need

🪪Aadhaar & PAN Card
🏠Property title deed & chain documents
✅Property approval plan & NOC from authorities
💼Last 3 years ITR / last 3 months salary slips
🏦Last 6 months bank statements
📊Valuation report from approved valuer
HOW IT WORKS

5-Step Mortgage Journey

01
Apply Online
Share basic details and property info in 5 minutes.
02
Property Valuation
Bank-appointed valuer visits and assesses your property's market value.
03
Legal & Title Check
Legal team verifies property title, ownership chain, and NOCs.
04
Sanction Letter
Loan sanction letter with approved amount and rate issued within 7 days.
05
Disbursal
Funds credited to your account. Property documents held as collateral.
FAQ

Mortgage Loan FAQs

A Loan Against Property (LAP) is a secured loan where you pledge your residential or commercial property to borrow funds. The property remains in your possession while only the title documents are held by the lender.

Mortgage loans go up to ₹20 Crore through CapitalFlax. The actual amount depends on your property's market value, CIBIL score, income, and LTV permitted by the lender (up to 75%).

Yes. Commercial properties like offices, shops, warehouses, and industrial properties can be mortgaged. LTV for commercial properties is typically up to 60% of market value.

Yes, jointly owned properties can be mortgaged. All co-owners must be co-applicants on the loan and sign the mortgage documents.

You retain full possession and use of the property. Only the title documents are held by the lender. You can continue to live in or rent out the property as usual.

Yes. Floating-rate mortgage loans have no foreclosure penalty per RBI guidelines. Fixed-rate loans may have 2–3% prepayment charges. CapitalFlax helps you choose options with minimum exit costs.

Unlock the Value of Your Property

Up to ₹20 Crore | 10% p.a. | 20-Year Tenure | Any Purpose

Apply Now