Property

A mortgage is a twenty-year relationship. Price it like one.

We originate home loans, plot-plus-construction facilities and loans against residential or commercial property through bank and HFC partners — with a bias for total cost, not just the teaser rate.

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Ticket₹10 lakh – ₹5 crore+

HorizonUp to 30 years

Indicative8.40% p.a.*

At a glance

Mortgage Loan

—Home loan, LAP and BT-top-up
—Salaried, professional, self-employed
—Legal and technical coordination
—Pune, PCMC and pan-India properties

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Why this desk

What you actually get.

Rate vs.reset

We compare repo-linked spreads, reset frequency and conversion fees — not just the advertised starting rate.

Eligibility maximised

Income of co-applicants, existing obligations and FOIR are modelled so the sanction is sized honestly.

Property diligence

Title, approved plans, society NOC and technical valuation are sequenced so disbursal is not stuck at the last mile.

Balance transfer

If your current rate or service has drifted, we run a BT math including stamp, CERSAI and foreclosure costs.

Fit

Eligibility, in outline.

—Age typically 21–65 (or up to retirement for salaried)
—Documented income that supports FOIR after the new EMI
—Clear title on the property being purchased or mortgaged
—Acceptable property location and construction as per lender grid

Partner grids vary. These are typical gates, not a promise of sanction.

Paper

Documents we usually ask for.

—KYC and income proofs of all applicants
—Bank statements and existing loan SOA
—Sale agreement, title chain, tax receipts, society documents
—Approved plans, occupancy / completion as applicable

Illustration

EMI sketch

Indicative only. Sanctioned rate, tenor and fees will differ.

Principal Annual rate Tenure

Estimated EMI —

Interest
Total

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Questions

Frequently asked.

A home loan funds purchase or construction of the same property and usually prices finer, with tax benefits under current law. LAP is against owned property and is more flexible on end-use.

During under-construction disbursals you typically pay interest on the amount drawn (pre-EMI). Full EMI starts after complete disbursal or as per sanction terms.

We outline the Maharashtra stamp and registration stack so your down-payment plan is complete — the deed itself is executed with your lawyer.

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