Latest news:  
  • Limit for E-Invoicing has been reduced to 5 crores from existing 10 crores respectively.

Home / Advisory / Mortgage Loan Advisory

Mortgage loan advisory

Have a property and want to start a new business by pledging that property?

  •  Our team can help you get the best valuation of your possible and get maximum loan on it so that you can start your new venture easily.

Mortgage loan advisory


Loan against your property is known as Mortgage loan. If you own a house you can give it up as collateral and get required finance for your business.

Loans are provided by the lender which is a financial institution such as a bank or a mortgage company. There are two types of loan widely offered to customer:

  • Fixed interest rate loan
  • Fluctuating/variable interest rate loan 

Fixed interest rate loan: It is the type of loan where interest rate remains constant for the life of the loan.

Fluctuating/Variable interest rate loan: It is the type of loan where the interest rate is fixed for the period but then it fluctuates with the market interest rates.



  •  Copy of the documents of the property that is to be mortgaged.
  •  Identity proof
  •  Address proof
  •  Income proof includes latest salary slips or Form 16 for salaried applicants and P&L statement and ITR documents for self-employed individuals
  •  Passport-sized photographs
  •  Proof of business existence with at least a 5-year vintage (for self-employed applicants only)
  •  Account statements for the last 6 months

Contact us

Fill the form to contact us

Eligibility criteria

Loan Against Property Eligibility Criteria for Salaried Individuals:
Loan eligibility requirements for salaried individuals include:

  • He/she must be a residing Indian citizen
  • He/she must be in employment from atleast last 3years.
  • He /she shall have a stable source of income.

Note that the home loan qualifying requirements are only a guideline and may include additional requirements.


Loan Against Property Eligibility Criteria for Self-Employed Individuals:
Loan eligibility requirements for self-employed individuals include:

  • The applicant must be self-employed and have been with the current enterprise for at least 5 years.
  • He/she must be a residing citizen of India

Note that the home loan qualifying requirements are only a guideline and may include additional requirements.

Security required for lap

A loan against property are the most preferred secured loans in India as applicant are free to use the fund as they deem fit.
Provide any of the following as collateral for the mortgage loan:

  • Residential properties(Both self occupied or rented)
  • Commercial properties(Both self occupied or rented)
  • Residential plot without construction
  • Industrial property. 



The first step is filling the application form with all the relevant personal details.


The next step is to document submission.


Next comes the document processing and verification. In this step they will also conduct a credit enquiry to check your CIBIL score and credit report. Your loan application shall move to next step only if the the authority finds that the CIBIL score and credit rating is satisfactory.


You will receive the sanction letter after the successful completion of all the above steps. Sanction letter mainly contains the following details:
• Loan amount
• Rate of interest
• Tenure of repayment
• Type of interest rate


You need to sign the sanction letter and send it to the lender to accept their offer.


You need to pay one time secure fee after you sign the sanction letter.


The lender shall perform legal and technical check before disbursing your loan through their representative.


You will receive the final agreement after the lender has performed all their checks. Finally the loan get disbursed into your account.


What they say about us

Abhishek Taliya

Quick response to any query. Excellent services and Extremely polite and professional staff.
Abhishek Taliya, 3Tee Elastic Private Limited

Shreyansh Kothari

Best in business in their respective fields
Shreyansh Kothari, K Lal

Abhishek Gotawala

Great service by Team of Finaccle. Their execution method is amazing. Would love to continue with them in future!
Abhishek Gotawala, Harikanta Overseas Private limited

Mr. Sharma

It's good to work with Finaccle's Advisors. Perfect and Reliable.
Mr. Sharma, Ganesh Weaving

Latest blog posts

More blog posts