Bespoke Credit Solutions for Discerning Borrowers
Your real estate assets in Bengaluru hold substantial dormant equity. A Loan Against Property (Mortgage Loan) allows you to unlock high-ticket funding at interest rates significantly lower than unsecured debt, with extended tenures up to 15 years.
At Pavanasutha Financial Consultants, we specialize in mortgaging residential houses, self-occupied flats, commercial buildings, rented warehouses, and industrial sheds across Bengaluru, coordinating legal searches and municipal valuations smoothly.
Key Highlights & Product Specifications
Eligibility Guidelines
Criteria (Category A)
- • Salaried or Self-Employed individuals, firms, and private limited entities
- • Age: 23 to 70 years at loan maturity
- • Clear legal title to the property without ongoing encumbrances or litigation
- • Minimum monthly household / company income sufficient to service EMI
Criteria (Category B)
- • Both self-occupied and commercial rented properties are eligible
- • Lease Rental Discounting (LRD) available for properties with corporate tenants
- • Minimum CIBIL score: 680+
- • Property must be within BBMP, BDA, or approved BMRDA layout jurisdictions
Documentation Checklist
Complete Title Deed chain (Sale Deed, Gift Deed, Partition Deed) for past 30 years.
Khata Certificate & Extract (A-Khata / B-Khata verification), latest Property Tax paid receipts, and Sanctioned Building Plan.
Encumbrance Certificate (Form 15 & 16) and latest 3 years income proof / audited balance sheets of the borrowers.
Frequently Asked Questions
Absolutely! You retain complete possession, ownership, and tenancy rights. The bank only keeps the original title deeds as security until the loan is paid off.
For residential properties, banks fund up to 65%–70% of the fair market value determined by certified independent evaluators. For commercial properties, LTV is typically 50%–60%.
Yes, LAP is an open-ended loan. You can deploy the funds for business expansion, child education abroad, medical care, buying machinery, or consolidating expensive debts.