Loan to Value Ratio (LTV)

LTV ratio is different for different banks. Banks generally provide mortgage loan based on market value of property or on registered value . LTV varies from 50% to 75% based on property type and its value.

Age Limit

Minimum age is 21 years and maximum age is 60 years to avail this loan.

Monthly Income

Monthly income for mortgage loan should be Rs 25,000 for salaried person and for self employed minimum annual income should be Rs 3lakh and above.

CIBIL score

CIBIL score is about your report of the credit history. This report helps to know about the repayment track of the customer. So, the bank or loan lending company can ensure that you can repay the loan.

Property Eligibility

Rented /Self occupied/vacant residential, commercial can be considered as collateral.

Tenure

Loan tenure which one can get varies from 20 years to 30  years

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