Unlock Property Value
Leverage your residential or commercial property to secure high-value loans up to ₹10 Crore+ with interest rates starting at 8.50% p.a. Retain property ownership while satisfying major funding needs.
Mortgage Loan EMI Calculator
Calculate your Loan Against Property (LAP) monthly EMI and interest schedule
Use Cases & Loan Types
Mortgage Loan (LAP) can be used for virtually any purpose. Choose the right variant based on your property type and financial need.
Residential Property LAP
Unlock funds against your residential property — independent house, apartment, or villa.
Homeowners needing large funds without selling the property.
- Up to 75% of property value
- Attractive interest rates
- Retain property ownership
- Long flexible tenure
Commercial Property LAP
Use your commercial space — office, shop, or warehouse — as collateral for higher funding.
Business owners and investors with commercial real estate assets.
- Higher loan amounts available
- Both self-occupied & rented
- Flexible repayment
- Quick processing
Business Purpose LAP
Fund your business expansion, working capital, or equipment purchase using property.
SMEs and self-employed professionals needing business funds.
- Tax-efficient borrowing
- No end-use restriction
- Balance transfer option
- High eligibility
Education LAP
Finance premium education or overseas studies by leveraging your property's value.
Parents funding higher education or study abroad programs.
- Lower rate than personal loans
- High loan amounts
- Flexible disbursement
- Easy documentation
Medical Emergency LAP
Access funds quickly against your property for critical medical treatments.
Families needing immediate large funds for medical procedures.
- Fast track approval
- Disbursal within 7 days
- Retain property use
- Competitive rates
Balance Transfer LAP
Transfer your existing mortgage loan to avail lower interest rates and better terms.
Borrowers paying high rates on existing LAP from other lenders.
- Reduce interest burden
- Top-up loan available
- Better terms & service
- Minimal documentation
Why Choose Our Mortgage Loans?
Leverage the value of your property with transparent, flexible, and competitive mortgage loan solutions from India's top lenders.
High Loan Amounts
Access loan amounts up to ₹10 Crore based on the market value of your property — ideal for large financial requirements.
All Property Types Accepted
Residential, commercial, or industrial property — we accept a wide variety of property types as mortgage collateral.
Retain Full Ownership
You continue to own and use your property while the loan is active. There is no change in possession during the loan period.
Minimal Documentation
Our streamlined process requires only essential documents for property valuation and income verification. No unnecessary paperwork.
Balance Transfer Option
Switch your existing LAP from a high-interest lender to our partner banks for better rates and improved terms.
End-Use Freedom
Use the loan for any purpose — business expansion, education, medical emergencies, debt consolidation, or personal needs.
Eligibility & Documents
Clear, transparent eligibility criteria and minimal documentation to help you get your Mortgage Loan approved fast.
Eligibility Criteria
Employment / Business
Salaried, self-employed, professional, or business owner with 3+ years of stability.
Age Requirements
Between 25 and 70 years of age at loan maturity for both salaried and self-employed.
Income Requirements
Minimum annual income of ₹3 Lakhs (salaried) or ITR ≥ ₹3 LPA for self-employed.
CIBIL Score
A credit score of 650 or above is recommended for competitive interest rates.
Documents Required
Keep these handy for property evaluation:
Mortgage Loan Process in 4 Simple Steps
Seamless property valuation and fast approval process with zero hassle.
Check Eligibility
Quick preliminary assessment of property value, title clarity, and income profile.
Property Valuation
On-site legal and technical appraisal by certified property evaluators.
Offer Sanction
Receive customized loan terms with maximum LTV and optimal interest rates.
Loan Disbursal
Mortgage registration complete and loan amount credited directly to your bank account.
Disclaimer: Loan Against Property disbursals, interest rates, and LTV ratios are subject to lender eligibility norms, property valuation, and applicable RBI guidelines. BhartiMall acts solely as a financial facilitator and not a direct lender.
Frequently Asked Questions
Find answers to common questions about Mortgage Loans, LTV ratios, property requirements, and interest rates.
Ready to Unlock Your Property's Full Potential?
Leverage your commercial or residential property to get funds up to ₹10 Crore. Our loan specialists ensure transparent valuation, maximum LTV, and competitive interest rates.