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Mortgage Loan Against Property

Features of Mortgage Loan against Property

Customized Repayment options to suit your requirements

Loan can be obtained at competitive interest rates

Quick loan disbursement

About Mortgage Loan against Property

A mortgage loan against property is a flexible and affordable option for property owners to access funds for their financial needs. At Capital Bank, we offer competitive interest rates, longer loan tenures, and flexible products i.e. Term Loans as well as Overdraft limits for this type of loan. Contact us today to unlock the true value of your property with a mortgage loan against property.


Up to 50%

Security Norms

Equitable/Registered Mortgage of free hold, unencumbered, residential/commercial properties

Guarantee Norms

Third party guarantee of substantial means

Documents Required

Income Proof

Identity Proof

Address Proof


Individuals who are 18 years of age or older

Income tax assessee and regularly filing Income Tax Returns for the last two years

Loan upto ₹25 lac for rural branches; Upto ₹50 lac for Semi-urban, Urban & Metro branches

How to apply for Mortgage Loan against Property?

Visit your nearest branch: To begin the process, bring your KYC documents and passport-sized photographs to your nearest branch. You can fill out the application form at the branch to get started.

Customer Care: Call us at 1800 120 1600, one of our representatives will get in touch with you.

Email: Mail us as at lead@capitalbank.co.in with your Name, Contact Number, Address & Message. One of our representatives will get in touch with you.


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The mortgage loan against property is a general-purpose loan that can be utilised by the client for any purpose including Education, Household needs as well as business needs.

The maximum permissible loan amount is Rs. 50.00 lacs for Semi Urban, Urban and Metro Branches, while the ceiling is Rs. 25.00 lacs for Rural Branches.

The loan against property can be availed for 10 years, however in deserving cases, the tenor can be extended up to a period of 12 years with permission of competent authority.

Yes, it is possible to transfer your existing Mortgage Loan against Property to Capital Bank. We offer attractive interest rates and flexible loan options to make the transfer process hassle-free. Contact us today to learn more about the transfer process and how we can help you save on your loan repayments.

At Capital Bank, we offer flexible loan options to suit your needs. You can choose to avail Term Loan repayable in Equated Monthly Installments (EMIs) or Overdraft Limit. You can also choose to prepay the loan anytime.

The loan amount that you can get against your property depends on various factors such as the value of your property, your income, and your credit history. Typically, LAP is upto Rs.25 lacs for rural branches (upto Rs.50 lac for other branches)

 RTGS/NEFT/IMPS/NACH payments received by the Bank in loan accounts after 9:00 p.m.,
will be considered as credit in next day for overdue calculation.