Our mortgage loan is a secured loan specifically designed to help individuals purchase or refinance property. By using the property as collateral, borrowers can access substantial funding with competitive interest rates and flexible repayment options. This type of loan is ideal for buying homes, commercial spaces, or land, offering long-term affordability and stability to fulfill real estate aspirations.
| No. | Loan Type | Interest Rate |
|---|---|---|
| 1. | Mortgage Loan (HOME/SHED/COMMERCIAL) | 11.00% |
Applicant's Document Details :
- Address proof - Electric bill / Telephone bill / Tax bill
- Photo proof - Aadhar card / PAN card / Voter card / Driving license
- Last three years' copy of income tax return, or Pay slip of last 3 Months
- 3 photographs of Applicant
- Applicant has to show all original documents to the bank for verification with xerox copy. Original documents will be returned to the applicant after verification.
Gaurantor Document details :
- Address proof - Electric bill / Telephone bill/ Tax bill.
- Photo proof - Aadhar card /Pan card / Voter card / Driving license.
- Last three years copy of income tax return, or Pay slip of last 3 Months.
- 3 photographs of Applicant.
- Gaurantor has to show all original documents to the bank for verification with zerox copy. Original documents will be returned to Gaurantor after verification.
Conditions :
- Original documents of property to be submitted to the bank. Registered mortgage of property to be done in favour of bank.Bank charge will be noted in society's record.
- Margin - 30% for new property.(Ready possession).
- N.A/.N.O.C and BU permission required for sanction of Housing loan.
- Applicant will have to take insurance of the building in favour of bank.
- Loan amount with interest will be repaid within 180 equal monthly instalments.
- Applicant has to submit original share certificate of the Society/Association, Municipal Tax bill, Tax receipt, sales deed etc, for registered mortgage of the property.
- Title clearance and valuation report will be done by approved lawyer and valuer of the bank. Applicant has to pay their fees.
- Applicant has to take share @ 1% of the limit.
- Processing charges - As per NBFC Rules
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Plot/434 2nd Floor Mustafapur Khagaul road near Royal Inn marriage hall Patna - 801105 Bihar