Mortgage Loan Solutions
Raise funds against property you already own, for business or personal needs, at rates well below unsecured borrowing.
Loan Eligibility Calculator
Estimate your EMI and total repayment before you apply.
Estimated Monthly EMI
₹19,533/-
Per Month
What is Mortgage Loan?
A mortgage loan lets you borrow against a residential or commercial property you own. The property stays yours; you draw a lump sum against its value and repay over a long tenure.
Why Choose Profinical for Mortgage Loan?
Lower Interest Rates
Secured against property, so pricing sits well below unsecured loans.
Large Ticket Sizes
Borrow a high share of your property's market value.
Long Tenures
Repay over up to 15 years, keeping EMIs manageable.
Use It For Anything
Business expansion, debt consolidation or a large personal expense.
Who Can Apply for Mortgage Loan?
We look at operations, cash flow structures and overall viability rather than standard rigid ratios.
Business owners who own residential or commercial property
Salaried and self-employed individuals with a clear title
Anyone consolidating higher-cost debt into one secured loan
Our Process for Mortgage Loan
Property Valuation
We evaluate the market value and legal status of the property to determine the maximum loan eligibility.
Eligibility & Document Check
Review income profiles, tax returns, property ownership records and bank statements.
Lender Matching
Identify and negotiate offers from banks and NBFCs to secure the lowest interest rates.
Sanction & Disbursement
Process legal reports, sign the agreement and execute final fund transfer.
Documents Required
Select your loan and applicant type to see the exact document checklist.
Income profile
Property registration
Personal Documents
- PAN Card
- Aadhaar Card / Passport / Voter ID / Driving License (any one as identity proof)
- Proof of address (utility bill, Aadhaar, passport, rent agreement, etc.)
Business Proof
- Last 6 months' salary slips
- Form 16 for the last 1 year
- Last 3 years' Income Tax Returns with computation
- Last 3 years' audited Profit & Loss A/c and Balance Sheet
- Bank statements (last 1 year)
- Loan sanction letters, if any
- Loan account statement of the last 12 months, if any
- Income tax ID and password
Property Documents
- RERA registration certificate and the builder–buyer agreement
- Allotment letter and the latest payment / demand schedule
Carry self-attested copies; originals are needed only for verification. Sanction remains subject to legal and technical clearance of the property.
Ready to discuss your Mortgage Loan?
Connect with our senior advisors to evaluate your requirement and design the right funding strategy.