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If you are looking to leverage the value of your property to meet your financial goals, our Mortgage service provides you with the ideal solution. With our expertise in the mortgage industry, we offer attractive loan options with flexible terms, allowing you to unlock the hidden potential of your property and access funds for personal or business needs.

Features of Mortgage Loan

Mortgages play a pivotal role in enabling individuals and families to realize their aspirations of property ownership. A mortgage is a loan secured by real estate, typically used to finance the purchase of a home or property. With favorable interest rates and extended repayment terms, mortgages offer long-term financing options that make homeownership more accessible. Lenders assess various factors, including creditworthiness, income stability, and property valuation, to determine the loan amount and interest rate.

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Mortgage Loan Interest Rates

Eligibility Criteria

  • You must be a Salaried Employee
  • Age: 23-55 years old
  • Net Monthly Income must be more than Rs. 20,000.
  • No defaults in the last 24 months.
  • You must be residing in Delhi/NCR, Bangalore, Pune, Chennai,Mumbai or Hyderabad.

What does a Mortgage loan cover?

Documents Required after Digital Approval

  • Aadhaar Card
  • PAN Card
  • 4 Cheques from your Salary Account
  • Current Address Proof
  • Permanent Address Proof (in case the permanent address is different from the address on Aadhaar card)

A mortgage loan, commonly referred to as a mortgage, is a type of loan specifically designed for financing the purchase of real estate. The coverage of a mortgage loan typically includes:

It's important to note that the coverage of a mortgage loan may vary depending on the lender, loan program, and local regulations. The specific terms and conditions of the loan, including the loan-to-value ratio, interest rate, and repayment schedule, will be determined based on factors such as the borrower's creditworthiness, income, and the value of the property. It's advisable to consult with lenders or financial institutions to understand the specific mortgage loan options available for your home financing needs.

Types of loans

Personal Loan

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Personal Loan

Buisness Loan

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Buisness Loan

Home Loan

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Home Loan

Mortgage

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Mortgage

Cash Credit

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Cash Credit

Gram Panchayat/Gavthan Property Loans

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Gram Panchayat/Gavthan Property Loans

FAQs

What is a Mortgage?

A Mortgage is a type of loan that allows individuals to borrow money by using their property as collateral. It is commonly used to finance the purchase of real estate, such as a home or commercial property. The property acts as security for the loan, and if the borrower fails to repay the loan, the lender can sell the property to recover their funds.

When you take out a Mortgage, the lender provides you with a loan amount based on the appraised value of the property. You then make regular payments, including principal and interest, over a specified period, typically ranging from 10 to 30 years. As you make payments, you gradually build equity in the property, which means you own a greater share of the property over time.

Mortgage eligibility is determined by various factors, including your income, credit score, employment history, debt-to-income ratio, and the appraised value of the property. Lenders assess these factors to evaluate your ability to repay the loan and the level of risk associated with lending to you. Additionally, they may consider factors such as the type of property, down payment amount, and your financial stability.

There are various types of Mortgages available, including fixed-rate Mortgages, adjustable-rate Mortgages, government-backed Mortgages (such as FHA loans or VA loans), and jumbo Mortgages. Each type has its own features, benefits, and eligibility requirements. It is important to understand the different Mortgage options and choose the one that best suits your financial situation and long-term goals.

When obtaining a Mortgage, there are several costs to consider. These may include the down payment (a percentage of the property's purchase price), closing costs (fees associated with loan processing, appraisal, title search, etc.), origination fees charged by the lender, mortgage insurance (if applicable), and property taxes. It is important to factor in these costs when budgeting for a Mortgage and consider them in addition to the loan's interest rate and monthly payments.