Mortgage Loan
Funds against a residential or commercial property you own, for business or personal needs, or finance to buy commercial premises.
Total loan ₹50 lakh to ₹100 crore
Which one fits
Terms shown are typical; each lender sets its own.
Loan against property
A term loan against a property you own.
- Up to 15 years
- Residential, commercial and industrial property accepted
Balance transfer
Move your loan against property to a new lender.
- 12 months' account statement with an outstanding letter
- 6 months' statements showing EMIs
BT + top-up
Transfer your loan and take extra funds on the same property.
- About a year of clear repayment before a top-up
Top-up
Extra funds on the loan against property you already have.
- Not for speculation
Overdraft
Draw as needed, and pay only on the amount you use.
- For salaried, self-employed and professional applicants
- Up to about 70% of value on residential property, 60% on non-residential
Commercial property purchase
Buy an office, shop or other commercial space.
- Also for expansion, construction or renovation
- An overdraft may be available
Lease rental discounting
A loan against rent from a leased commercial property.
- Registered lease of at least 3 years
- Rent paid through an escrow account
- Up to 15 years
Documents to keep ready
Nayaasa is a loan advisor, not a lender. This is what lenders typically ask for, and yours may differ. Approval is the lender's decision.
Applying jointly? Each person gives their own documents. Choose each type in turn.
What to expect
Typically; each lender sets its own.
Up to 15 years
A term loan against property typically runs up to 15 years.
Credit record
Lenders often look for a credit score of 700 or more, and 750 or more when you are buying commercial property.
What the property must do
It must be owned by the applicant and clear the lender's legal and technical checks. Built-up property is preferred; vacant plots only in some cases.
Value
The lender does the valuation, and usually lends less against commercial property than a self-occupied home.
Rules and schemes that apply
No charge for paying early
Floating-rate loans to individuals for non-business purposes, sanctioned or renewed on or after 1 January 2026, carry no pre-payment charge and no lock-in, whatever the source of the money.
Business loans too
At commercial banks, floating-rate loans for business purposes to individuals and micro and small enterprises also carry no pre-payment charge. At some other lenders this holds up to ₹50 lakh.
Your property papers come back
A lender must return them within 30 days of closure, or pay ₹5,000 for each day of delay it causes.
Figures last checked November 2026.
Who it suits
- Owners of a residential, commercial or industrial property who need funds
- Businesses buying an office, shop or other commercial space
- Owners earning rent from a leased commercial property
- Borrowers who want to move a running loan against property
How it works
Tell us what you need
The property, the amount and what the money is for.
We look at your profile
Your income or business, running loans and the property, set against what lenders ask for.
Gather the documents
We give you the list for your case and check each file before it goes to a lender.
The lender assesses
The lender checks your credit and the property, and values it.
Sanction and agreement
If the lender agrees, it issues a sanction letter and you sign the mortgage documents.
Disbursement
The lender releases the money on its terms.
Common questions
What can the money be used for?
Business or personal needs, subject to the lender's rules. Lenders ask what it is for and may ask for proof.
What is lease rental discounting?
A loan sized on the rent from a commercial property on a registered lease. Rent from residential property is not usually eligible.
Can an NRI buy commercial property this way?
Some lenders allow it for self-use only, with a Power of Attorney if the buyer is away at disbursement.
Does Nayaasa approve the loan?
No. Nayaasa is a loan advisor, not a lender. The final decision and the terms are the lender's.
Other loans we arrange
Let's Build Your Brighter Tomorrow
Get in touch with our advisors for guidance on the loan that fits your plans.