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    About Loan Against Mortgage

    Loan Against Mortgage in Jaipur scheme is a secured personal loan which you can avail by pledging your property as a security or a collateral. These personal loan schemes are also known as mortgage loans. Our Loan against mortgage agency in Jaipur provide you  best Loan Against Mortgage at low interest rates range between 8.45% p.a. to 22% p.a. You can avail loans of up to Rs.25 crore for a tenure of up to 20 years with LAP just contact to our loan against mortgage agents in Jaipur.

    Your property can help you with fulfilling your own and business needs. Apply for Loan Against Mortgage in Jaipur with Munafawala at appealing credit costs. We will give you Loan against contract in Jaipur at low financing cost with our best loan against mortgage agent in Jaipur.

    Singular necessities like connections, high level training, business travel, wellbeing related emergencies or any unexpected expenses

    Gotten overdraft may be allowed as liquidity finance

    For exploiting lower financing cost, customers can similarly apply for takeover of existing home advance development/s from various Banks/FI

    A Loan Against Mortgage from Munafawala enables you to do it all. Munafawala offers customized Mortgage Loans to salaried and self-employed individuals. Financing your child’s education, managing your wedding expenses, expanding your business, or even handling unforeseen medical expenses.

    Munafawala gives you access to a higher loan amount at affordable Loan against Mortgage interest rates. Salaried individuals get a high loan amount up to Rs.1 crore, while self-employed individuals can avail a loan of up to Rs.3.5 crore.

    Simple Loan Against Mortgage Eligibility criteria, minimal documentation and doorstep service makes the loan application process a hassle-free one. Munafawala offers the loan in just 4 days.

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    Reason to Choose us

    We offer award-winning, low-rate mortgage loans with no ongoing fees, saving our customers thousands of dollars.

    Easy Loan Approvals

    Among the easiest loans to get is a secured loan. That’s where you put up something of value in exchange for cash.

    Lowest Possible Prices

    Cheapest personal loans are those loans which are available on lowest interest rates than market rates.

    Hassle free

    Fast, hassle-free. Personal Loan up to ₹500 Crore · Affordable interest rate starting from 11.99% p.a.

    Secure Loan Processs

    Secured loans are loans which require the borrower to pledge an asset or security to avail the loan.

    Best Loan Against Mortgage Schemes

    BankInterest RateLoan AmountTenure
    State Bank of India8.45% p.a.- 10.00% p.a.Up to 7.5 crore5-15 years
    ICICI Bank8.90% p.a. – 9.10% p.a.Up to Rs.5 croreUp to 15 years
    HDFC Bank9.25% p.a. – 10.35% p.a.Up to 65% of the value of the propertyUp to 15 years
    IDFC FirstAs per the terms and conditionsRs.5 lakh – Rs.10 croreUp to 20 years
    Tata Capital10.10% p.a. onwardsRs.10 lakh – Rs.3 croreUp to 15 years
    Axis BankUp to 11.25% p.a. onwardsRs.5 lakh – Rs.5 croreUp to 20 years
    Kotak Mahindra BankAt the discretion of the bankRs.10 lakh – Rs.5 croreUp to 15 years
    IIFL11.50% to 22% p.a.Up to Rs.10 croresUp to 10 years
    Edelweiss Financial Services LtdAs per the terms and conditionsUp to Rs.25 croreUp to 15 years

    Eligibility criteria for Loan Against Mortgage

    Type of mortgageThe mortgage should be in India, be it a residential or commercial mortgage.
    Minimum and maximum age 25 to 65 years
    Employment type Salaried or Self-employed
    Net monthly income Rs.25,000 minimum monthly income
    Others Legal property documents authorized by the Government of India – Registration Certificate, Property Tax Receipts, Sales Deed, etc.

    Documents required to apply for the Loan Against Mortgage

    Proof of IdentityPAN card, Passport, Driving License, etc.
    Proof of Address Passport, Electricity Bill, Aadhaar card, etc.
    Property Documents Copy of original sale deed, allotment-possession letter, NOC from society.
    Income Proof Latest Income Tax Return Certificate, Form 16, salary slips, audited financial sheet, certificate of practice, qualification certificate, Shop Act License, Sales Tax Certificate, etc.

    Features and Benefits of Loan Against Mortgage

    Lower rate of interestSecured loans usually have a lower rate of interest when compared to unsecured loans. In addition to that, if you have a good credit score and credit history, the chances of you getting a loan at a low rate of interest goes up.
    Simple documentation and approval processThe process of documentation and approval of loans is generally simple when it comes to a loan against mortgage. The mortgage against which the loan is availed acts as collateral in this case. This allows lenders to go forward with an easy documentation process.
    Flexibility in repayment of the loanMost loans against mortgage offers a flexible loan repayment tenure. On the basis of the lender that you choose, you can avail a loan repayment tenure of as long as 20 years.
    Continuous ownership of the mortgageIn case of a loan against mortgage, the ownership of the mortgage is retained with the borrower. When you offer your mortgage as a collateral for a loan, the ownership does not change. This also allows you to sell the mortgage in case you are unable to repay the loan.
    Availability of pre-closure optionYou have the option to pre-close your loan against mortgage if you wish to do the same. If the loan that you have availed comes with a variable interest rate, you will not be required to pay any penalties for the pre-closure of the loan. However, you will be required to pay a nominal amount if your loan was on fixed interest rate.
    Optimal utilisation of the mortgageIn case you avail a loan and you have a mortgage which you offer as a collateral, you get to satisfy your financial needs with the loan amount which will be at par with the mortgage. At the same time, you also get to retain your mortgage. You can decide to not sell your mortgage and still avail enough money to meet your requirements that too at affordable rates of interest.

    Customer Reviews

    See what our customers have to say about Munafawala products, people and services.

    “I loved the customer service you guys provided me. That was very nice and patient with questions I had. I would really like definitely come back here”


    “We came out of their offices very happy with their service. They treated us very kind. Definite will come back. The waiting time was very appropriate.”


    “I want to express my appreciation for assistance that you provided over several years to help resolve a difficult financial situation when my debt was out


    Is it safe to take loan against mortgage?

    Experts suggest, one should avoid over-leveraging as it can result in a loan default and you could end up losing the mortgage against which you have taken the loan.

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    Any loan against a residential or commercial property can be used for both personal and business purposes. In fact, you can use it for anything other than speculative or non-prohibitive activities.

    Basically, the bank looks at your repayment capacity. For calculating the loan amount, your income, age, qualifications, number of dependants, spouse’s income, assets, liabilities, stability and continuity of occupation and savings history are taken into consideration. However the eligibility of loan does not, generally, exceed 60 percent of the market value of the property.

    You can include your spouse as a co-applicant and that results in a higher amount being lent. However, if the property is co-owned, all co-owners mandatorily need to be co-applicants.

    Processing fee for loan against any property varies from bank to bank and is generally around 1 percent.

    Interest is calculated on daily reducing balance. Your monthly out-go (equated monthly installment – EMI) is much lower as compared to the interest on annual reducing balance.

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