Mortgage Loan
Unlock the value of your property with competitive mortgage loan rates. Get up to 70% of your property value at the best interest rates.
Overview
A mortgage loan, also known as Loan Against Property (LAP), allows you to leverage your residential or commercial property to raise funds for any purpose — business expansion, education, medical expenses, or debt consolidation. ZatpatLoans compares mortgage loan offers from multiple banks to ensure you get the highest loan amount at the lowest interest rate. We support all property types including residential, commercial, and industrial properties across Ahmedabad and Gujarat.
Key Features
High Loan Amount
Get up to 70% of your property's market value as a loan.
Lower Interest Rates
Enjoy significantly lower rates compared to personal or business loans.
Long Tenure
Repayment period up to 15 years for comfortable EMIs.
Multi-Purpose Use
Use the funds for any purpose — business, education, medical, etc.
Property Remains Yours
Continue to use and occupy your property during the loan tenure.
Overdraft Option
Some banks offer LAP overdraft — pay interest only on utilized amount.
Interest Rates Comparison
| Bank / NBFC | Interest Rate | Max Tenure | Processing Fee |
|---|---|---|---|
| SBI | 9.00% - 11.50% | Up to 15 Years | 0.50% + GST |
| HDFC Bank | 9.50% - 12.00% | Up to 15 Years | 1% |
| ICICI Bank | 9.25% - 11.75% | Up to 12 Years | 1% - 2% |
| Axis Bank | 9.50% - 12.50% | Up to 15 Years | 1% |
| PNB Housing | 9.75% - 13.00% | Up to 15 Years | 0.50% - 1% |
Eligibility Criteria
- Age: 25 to 65 years at loan maturity
- Property should be free from any legal disputes
- Salaried: Minimum 3 years experience; Self-employed: Minimum 3 years in business
- CIBIL score: 650+ for best rates
- Property should have clear title and all approvals
- Minimum property age: Not older than 30 years
Documents Required
- PAN Card and Aadhaar Card
- Income proof: Salary slips / ITR for 2 years
- Bank statements: Last 6 months
- Property documents: Title deed, tax receipts, encumbrance certificate
- Approved building plan and completion certificate
- Property valuation report (bank will arrange)
- Photographs of the property
Application Process
Apply online and submit property details
Bank conducts property valuation and legal verification
Loan amount sanctioned based on property value
Disbursement after mortgage registration
Best Tips for Mortgage Loan
Get your property valued before applying — this helps estimate your eligible loan amount.
Clear all pending property taxes and ensure no legal disputes on the property.
Mortgage loan rates are lower than personal loans — consider LAP for large fund requirements.
If you have an existing LAP, compare balance transfer options for lower rates.
Keep all original property documents ready — banks will hold them during the loan period.
EMI Calculator
Plan your finances with our easy-to-use EMI calculator. Get instant results for any loan amount.
Mortgage Loan FAQs
Common questions about mortgage loan services.
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