About Mortgage Loan

A loan against property(Mortgage Loan) allows you to borrow money against the value of your home to cover any expenses you may have. While the loan amount is determined by the overall worth of your home, you are free to spend the money however you want. The process is mediated by your property, but you can continue to utilize it as usual.

At Credokart, we give personalized property loans based on your needs. So, whether you’re employed, self-employed, or run a small business, we’ve got a product for you. Every customer enjoys a hassle-free experience thanks to our streamlined approach with little documentation.

You can contact our customer service staff via phone, email, or chat for answers to any questions you may have or information you require. Apply for a Loan Against Property today and take advantage of a variety of benefits as one of our valued customers.

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Interest Rates

The loan against the property’s interest rate is determined by a number of factors. These include:

  1. Your nature of work
  2. The type of property
  3. The current market value of the property
  4. Available documentation
  5. Your income
  6. Your credit history.

The interest rates on mortgage loans from Fullerton India vary between 9% and 24% based on the above factors.


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  • Ideal use of idle property – Make money from a property that might otherwise be sitting idle.
  • Withdraw money when needed and save on interest.
  • Deposit surplus money/regular income/salary and save interest.
  • Flexibility to withdraw money deposited earlier.
  • Depending on your needs, it can be availed as an overdraft or a demand loan.
  • Competitive rate of Interest
  • Loan available up to Rs.10.00 Cr

Faster Loan

With our Online Only loan application procedure, we’ve pushed loan processing times to the next level. We can eliminate a lot of manual effort and provide same-day loan approvals as a result of it.

Choose your amount

We provide qualifying SMEs with business loans ranging from ₹50,000 to ₹2 Crore. Our broader lending window boosts your chances of getting a business loan approved and offers you the finances you need to grow and expand your firm.

Enjoy the best rates

On a case-by-case basis, Credokart employs proprietary big data and machine learning algorithms to discover the lowest interest rates on business loans. This means that the interest rates offered by Credokart are the best available for your business.

Decide your tenure

Our loan tenure, which ranges from 1 month to 36 months, greatly expands the credit relief available to your company. If you are experiencing temporary business troubles, a business loan with a term of 6 months or longer can provide you with the required buffer to address operational issues.


If you are a salaried employee, self-employed individual, or a small business, you may be eligible for a loan against property. Your ability to repay is determined by a variety of factors, including your income, fixed obligations, credit history, and so on. As a result, in addition to the loan application, you must submit the following documents for a loan against property.

  1. Proof of Identity
  2. Address Proof
  3. Age proof
  4. Bank Statements for the last 6 months
  5. Salary slips from the previous six months (for salaried customers)
  6. Audited financial statements (in case of self-employed and SME applicants)
  7. Form 16
  8. Last 3 year’s Income Tax Returns
  9. Processing fee cheque
  10. Documentation relative to the collateralized property


Applicant’s maximum age at loan maturity: 60 years


Minimum Net Monthly Income: Rs 15,000

Credit Rating

The applicant should have a credit score that has been determined by the bank.

Frequently Ask Questions

Yes. The approved loan amount can be used for a variety of personal and business financial purposes. However, it’s critical to know what expenses can be covered with this loan. Some banks, for example, will not lend money to those who are interested in real estate development.

The types of borrowers who are eligible for this loan vary by bank. Most banks, for example, provide this loan to both salaried and self-employed people. NRIs and resident Indians are both eligible for a mortgage loan. However, you may be required to meet extra requirements in order to qualify for a mortgage loan.

The margin offered against your property varies depending on the bank and the sort of collateral you’re submitting. Banks and financial institutions often offer a % to 60% margin on average. Some banks also provide a 70% margin.

You have the option of paying using post-dated cheques or a standing instruction such as NACH. This ensures that you don’t miss your payment deadline and that your outstanding balance is paid on time. You will be charged a penalty fee if you do not make your payment on time.

Get a Quote

Now apply for a Mortgage Loan online, All you need to do is provide your details below application form.

    Call: 9166700355