Mortgage loans for large, long-term funding
Use residential or commercial property as security to raise large amounts at lower rates, for business expansion, education, a wedding, debt consolidation or other big needs.
- Loan amount
- Up to ₹10 crore
- Interest from
- 8.75% p.a.
- Tenure
- Up to 20 years
Rates and fees are indicative and set by the lender.
Key features
Why choose a mortgage loan through Fund Finserv
Lower rates
The property secures the loan, so rates are lower than unsecured loans.
Long tenures
Spread repayment over up to 20 years to keep the EMI comfortable.
Balance transfer and top-up
Move an existing mortgage to a cheaper lender, often with an extra top-up amount.
Salaried or self-employed
Available to both, with income assessed from salary slips or ITRs.
Eligibility
Who can apply
- Indian resident aged 21 to 70 years at loan maturity
- You own a residential or commercial property with clear title
- A stable income to support the EMI
- A credit score of 700 or more improves your chances
Documents required
What you will need
- PAN and Aadhaar
- Income proof: salary slips, Form 16 or ITRs
- Last 6–12 months’ bank statements
- Property title chain, approved plan and tax receipts
Rates
Interest rates and charges
Indicative. The final rate is set by the lender after assessing your profile.
| Charge | Indicative range |
|---|---|
| Interest rate | 8.75% to 15% p.a. Indicative |
| Processing fee | Up to 1.5% of the loan amount + GST Indicative |
| Prepayment (floating rate) | Nil for individual borrowers Indicative |
| Late payment charge | Up to 2% per month on the overdue amount Indicative |
EMI calculator
Work out your EMI
The rate here is only an example. Your lender will confirm your actual rate.
Monthly EMI
₹52,211
for 180 months
- Principal
- ₹50,00,000
- Total interest
- ₹43,98,022
- Total payable
- ₹93,98,022
For illustration only. Your actual EMI depends on the rate and tenure the lender offers you.
FAQs
Mortgage Loan FAQs
A loan against property is one kind of mortgage loan. “Mortgage loan” covers any loan secured by property, including balance transfers, top-ups and lease rental discounting.