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Mortgage Loan

What is Mortgage Loan

A Mortgage loan allows you to borrow funds using your property as security. It helps finance home purchases, construction, or personal needs with flexible repayment terms and competitive interest rates. 

Morgage Loan Benefits 

  • Higher Loan Amounts – Borrow larger sums by pledging your property. 

  • Lower Interest Rates – More affordable than unsecured loans.

  • Flexible Repayment – Choose tenure and EMI options that fit your budget.

  • Financial Flexibility – Use funds for home purchase, construction, renovation, or personal/business needs.

  • Retain Property Use – Continue living in or using the property while repaying.

  • Tax Benefits – Interest paid may be eligible for tax deductions.

  • Build Credit History – Timely repayments improve your credit score. 

Why GetMy Loan for your Mortgage Loan 

GetMyLoan offers fast, transparent, and reliable mortgage solutions. With expert guidance, flexible repayment options, and competitive rates, we make financing your dream property simple and stress-free.

Mortgage Loan Features 

  • Secured Loan

    Your property acts as collateral, ensuring safety for both you and the lender.

  • High Loan Amounts

    Access larger funds compared to unsecured loans.

  • Flexible Repayment

    Choose a repayment tenure that fits your budget.

  • Competitive Interest Rates

    Affordable rates to reduce financial burden.

  • Multiple Purposes

    Use funds for home purchase, construction, renovation, or personal/business needs.

  • Easy EMIs

    Pay in convenient monthly installments

  • Tax Benefits

    Eligible for tax deductions under applicable laws.

Eligibility 

To apply for a loan, you need to meet the following criteria: 

    • 📅 Age: 21–60 years (salaried) / up to 65 years (self-employed)

    • 💼 Employment: Salaried with a stable job OR self-employed with a proven business track record

    • 💰 Income: Regular monthly income from salary, business, or profession

    • Credit Score: 650+ CIBIL score preferred

    • 🏠 Residency: Must be a resident of India 

Calculate your Monthly EMI 

Documents Required for Mortgage Loan 

Document Type

Salaried / Self Employee  

Application Form

Yes 

Identity Proof
  • PAN 
  • Voter ID
  • Passport
  • Driving Licence
  • Aadhar Card 
Address Proof
  • Passport
  • Voter ID
  • Driving Licence
  • Aadhar Card 
Income & Other Documents
  • Salary Slip/Certificate
  • Form 16/ITR
  • Bank Statement 

Frequently Asked Que’s 

Who can apply for a loan?

Any salaried, self-employed, or business individual with valid income proof can apply. 

What documents are required?

You need ID proof, address proof, income proof (salary slips/ITR/bank statements), and business proof (if self-employed). 

How much loan can I get?

It depends on your income, credit score, repayment capacity, and lender’s policy. 

How is EMI calculated?

EMI is based on loan amount, interest rate, and tenure. You can use our EMI Calculator for quick results. 

EMI is based on loan amount, interest rate, and tenure. You can use our EMI Calculator for quick results. 

With proper documentation, approvals usually take 24–48 hours. 

Do I need collateral?

Collateral is required for secured loans like Morgage  loans  

Can I prepay or foreclose my loan?

Yes, most banks allow it. Some may charge a nominal prepayment/foreclosure fee. 

Quick Links 

Documents & Policies 

One of the best leading loan provider’s in India 

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