Secured loan · Asset-backed Mortgage Loans (LAP)

Mortgage Loans (Loan Against Property)

NRT Easy Loans helps you explore mortgage loan options with leading banks and NBFCs by leveraging your residential or commercial property as security.

Check Eligibility Speak to an Expert

Multi-bank & NBFC partnerships

End-to-end customer assistance

Secure and confidential process

Our facilitation role

NRT Easy Loans does not lend directly and acts only as a mortgage loan facilitation partner.
Assistance with eligibility evaluation, documentation preparation and application submission to banks and NBFCs.
Final approval, interest rate, tenure and disbursement are decided solely by the respective bank or financial institution.
No guarantee of sanction; all credit decisions rest with the lending partners based on their policies.

About mortgage loans / loan against property

A mortgage loan, often called a loan against property (LAP), is a secured loan where you pledge your owned residential or commercial property as security to a bank or NBFC.

The lender evaluates the property and your overall repayment capacity and may offer funding up to a certain percentage of the property’s assessed value, subject to its policies and internal approvals.

NRT Easy Loans acts as a facilitation partner, helping you understand options, prepare documentation and coordinate with multiple banks and NBFCs; it does not provide mortgage loans directly in its own name.

Using your property as security

The property remains in your name, while the lender typically creates a charge or mortgage until the loan is repaid as per agreed terms.

Secured, asset-backed borrowing

Property security can help customers access structured funding options, subject to lender evaluation and policies.

Facilitation from NRT Easy Loans

Guidance on documentation, application submission and follow-ups with partner banks and NBFCs, from enquiry to disbursement stage.

Bank & NBFC decisions

All decisions regarding loan amount, pricing, documentation and disbursement are taken only by the respective lending institutions.

Properties typically considered for mortgage

Partner banks and NBFCs may consider different categories of property as security, subject to their internal credit and legal norms.

Residential property

Self-occupied or rented residential flats, apartments or independent houses, as permitted by lender policies and legal due diligence.

Commercial property

Approved commercial units, offices or shops that meet the lending institution’s eligibility, documentation and valuation requirements.

Mixed-use property

Properties with combined residential and commercial usage, evaluated on a case-by-case basis by the respective bank or NBFC.

Actual acceptability of any property type depends on lender-specific guidelines, location, documentation and legal and technical verification.

Why many customers consider mortgage loans

Subject to lender assessment and approval, mortgage loans can offer several practical advantages compared to unsecured borrowing.

Potentially lower interest

Being a secured facility, mortgage loans may be priced more favourably than many unsecured loans, depending on your profile and lender policies.

Higher loan eligibility

Subject to income and property valuation, asset backing can sometimes support higher sanctioned amounts than unsecured funding, at lender discretion.

Longer repayment tenure

Lenders may offer longer repayment tenures on mortgage loans than on short-term credit, subject to their internal norms and regulatory guidelines.

Flexible end-use of funds

Depending on the specific product and lender policy, mortgage loans can often be used for a variety of legitimate personal, business or consolidation purposes.

End-to-end assistance

NRT Easy Loans provides support from initial discussion through documentation, application filing and coordination with lending partners.

Guidance on options

Assistance in understanding different lender offerings, features and key considerations, so that you can take an informed decision.

Eligibility overview

Final eligibility is decided by each bank or NBFC, but broadly tends to revolve around property value, income stability, credit track record and repayment capacity.

Salaried individuals

Employees & professionals

Salaried applicants are typically assessed on the basis of their employment profile, monthly income, property details and existing obligations.

Stable employment with recognised organisations, subject to lender policies.
Consistent salary credits and acceptable debt-to-income levels.
Property with clear title, approved construction and acceptable legal status.
Favourable repayment capacity as per lender-calculated income and expenses.

Age criteria, minimum income thresholds and other norms vary across banks and NBFCs.

Self-employed / business owners

Entrepreneurs & professionals

Self-employed individuals and business owners are generally evaluated on their business performance, cash flows and property characteristics.

Stability and continuity of business operations, evidenced through financials.
Documented income, turnover and profit trends, as per audited accounts.
Property valuation and legal checks in line with lender requirements.
Overall credit profile and repayment track record across existing facilities.

Exact criteria, documentation and ratios are set independently by each lending institution.

Key documents typically required

NRT Easy Loans supports you in preparing and organising documents commonly requested by mortgage loan providers, based on their checklists.

Identity & address proof

KYC documents to confirm identity and current address of applicants and co-applicants, as per lender requirements.

Government-approved ID proof.
Valid address proof and photographs.

Income proof

Documents evidencing regular income or business profits, supporting the repayment capacity assessment.

Salary slips and Form 16 or tax returns.
Business financials, ITRs and bank statements.

Property ownership documents

Title and property-related documents required for legal and technical evaluation by the lender’s empanelled agencies.

Sale deed, title documents and link documents.
Approved plans, tax receipts and encumbrance details.

Existing loan details (if any)

Information relating to existing credit facilities, if applicable, for overall obligation and credit assessment.

Loan statements and sanction letters.
Closure letters for loans to be taken over, where relevant.

The specific list of documents may vary by lender, applicant type, property type and loan structure.

Mortgage loan process with NRT Easy Loans

01 Enquiry

Initial enquiry & discussion

Share basic details about your requirement, property and profile so that our team can understand the context and suggest next steps.

02 Property assessment

Preliminary property review

High-level review of the property type, location and documentation available, before sharing the case with potential lending partners.

03 Eligibility review

Indicative eligibility understanding

Guidance on factors that may impact eligibility, based on shared information and standard lender practices, without any assurance of approval.

04 Documentation

Documentation preparation

Support in compiling application forms, KYC, income and property documents as per the respective bank or NBFC checklist and formats.

05 Bank approval

Lender evaluation & decision

The chosen lender independently undertakes credit appraisal, property valuation, legal checks and decides on sanction, terms and conditions.

06 Disbursement

Documentation signing & disbursement

Subject to acceptance of terms, loan agreements and security documents are executed with the lender, followed by disbursement as per their processes.

Actual timelines depend on the completeness of information, property specifics and the internal processes of the selected bank or NBFC.

Important disclosure

Please read carefully

NRT Easy Loans is not a bank or NBFC and does not provide mortgage loans directly; it only facilitates interactions between customers and partner lending institutions.
Loan approval, interest rate, processing fees, tenure, loan-to-value ratio, documentation conditions and disbursement are determined solely by the respective bank or NBFC.
Each lender conducts its own independent property valuation, legal scrutiny and credit appraisal before taking any lending decision.
No guarantee or assurance of loan sanction, amount, pricing or timelines is provided by NRT Easy Loans at any stage.
Customers are encouraged to review all terms, conditions and documentation carefully and seek independent legal, tax and financial advice before accepting any loan offer.

Content on this page is for general information purposes only and does not constitute an offer or commitment to lend by NRT Easy Loans or any partner institution.

Property valuation & legal checks

Banks and NBFCs typically appoint empanelled valuers and legal professionals to independently assess the property’s market value and legal status before sanctioning a mortgage loan.

Technical valuation to estimate property value and condition.
Legal verifications covering title, approvals and encumbrances.

These assessments are carried out at the discretion of each lender and their findings may materially influence eligibility, sanction amount and loan conditions.

Mortgage Desk Personalised discussion

Talk to a mortgage loan advisor

Share your property details and funding requirement, and the NRT Easy Loans team can coordinate a structured interaction around suitable mortgage loan options.

Talk to a Mortgage Loan Advisor Request a Property Evaluation

Enquiries and evaluations are exploratory in nature and do not imply any assurance of loan sanction or specific terms.