Loan against property

Mortgage Loan is a secured loan provided by banks, home finance companies and NBFC for residential or commercial real estate. These loans are usually offered at a lower interest rate than an Personal Loan or Business Loan and are repaid within a reasonable time frame.

Anyone who owns a used property can avail of such loans, whether paid or self-employed in a commercial or professional enterprise.

A secured property loan is a boon for both business owners and employees. This opportunity can be used by self-employed people who are looking for funds to expand their business.

A loan Against Property is nothing more than a loan that you use to keep your business / residential property as collateral. Another name for a Mortgage Loan is a secured loan. The loan is secured by the property of the person applying for the loan. The value of your property determines the amount of any loan that will be given to you.

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Reasons to get a Loan Against Property

There are several reasons for getting a Mortgage Loan. Some of them are listed below:

You can avail substantial funds to pay off all debts

By pledging a property, you can claim a higher loan amount. Lenders base their loan amount approval on the value of the property you pledge.

You get the loan on lower interest

Since lenders have your property as collateral, they not only sanction large amount of funds, but also charge you a low rate of interest on loan against property.

You can repay the loan within a longer tenure with ease

One of the most important benefits of Mortgage Loan is the lengthy tenure it offers. Choosing a longer tenure will help you minimize your monthly EMIs. This will give you enough space to save some of your income for unplanned and urgent expenses.

You can pledge any type of property to avail a loan

You’re eligible to avail a loan against property by pledging diverse property ranging from your present home, to an office space. This helps you weigh the prices of the property your own based on their current valuation and then choose the right one.

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Features of Mortgage Loan

Loan against residential or commercial property: You can take a secured loan as a residential property to fund any form of monetary requirement.

Loan against for home renovation: From installing the latest lighting systems or false celling to have modern tiles, you can use a loan against home for that.

Loan against property for wedding: Opt for a Mortgage Loan from Qwikpay Matrix to cover venue bookings, food and beverages expenses, pre-wedding photo-shoots etc.

Loan against property for debt consolidation: Mortgage Loan for debt consolidation allows borrowers to consolidate multiple debts easily and save more on EMIs.


Any salaried, self-employed or professional Public and Private companies, Government sector employees including Public Sector is eligible for a loan against property.


Applicant's maximum age at maturity: 60 years.


Minimum Net Monthly Income: Rs 15,000

Credit Rating

Applicant should have the bank specified credit score.

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The realization of a dream for many of us is always a distant story. But we want you to open your eyes and help make these difficult dreams come true. Give us a chance to shake hands to make those dreams come true in the near future and we will never disappoint.

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Frequently Ask Questions

Check out our FAQ page to get answers for most of your questions

The loan amount depends on your solvency and is limited to a maximum of 75% of the total market value, depending on the circumstances. Solvency takes into account factors such as income, age, qualifications, number of dependents, marital income, assets, liabilities, stability, business continuity and savings history. And, of course, our main concern is to make sure that you can conveniently repay the loan amount.
You have the opportunity to choose a term that suits you, from 5 to 15 years, if the term does not exceed 65 years or retirement age, whichever comes first.
Yes, you can make your prepayment in either part or full.
Your CIBIL score is based on your credit report, which is essentially a summary of your credit history that includes your previous loans and repayment methods. A CIBIL score of 750 and + is considered as a good CIBIL and it helps you get a loan on favorable terms without any hassle.