Mortgage Loan

Unlock the value of your property

A mortgage loan (loan against property) lets you raise funds for personal or business goals while you keep using the house or plot. AV helps you understand loan-to-value, valuation and repayment so the facility stays simple and secure.

Why choose our mortgage loans?

High loan-to-value

Get up to about 80% of the property’s market value, subject to valuation.

Affordable interest

Secured against property, so rates are usually lower than unsecured loans.

Flexible repayment

Choose a tenure from 5 to 20 years as per your comfort.

Quick disbursal

After legal and technical checks, funds are released when you need them.

Retain usage

Continue to live in or use the property while the loan is active.

Eligibility criteria

Age: 21 years and above (upper age as per lender)
Stable, verifiable income
Clear and marketable title to the property being mortgaged
Property should be acceptable to the lender after valuation

Documents required

Identity proof: Aadhaar, PAN or passport
Address proof: utility bill, Aadhaar or rental agreement
Income proof: IT returns, salary slips or bank statements
Property documents: title deed and property tax receipts

How it works

Submit application

Share property details and the purpose of funds.

Verification

Legal and technical evaluation of the property and papers.

Approval & disbursement

On sanction, funds are transferred as agreed.

FAQs

A secured loan against immovable property such as a house or land, used for personal or business needs.

Yes. You typically continue to use it as long as EMIs are paid as agreed.

Usually 50–80% of the property’s assessed market value.

Flexible, commonly 5 to 20 years.

KYC, income proofs, title deed and tax receipts for the property.