Unlock the Value in Your Property
Use your existing residential or commercial property as collateral to access funds for business expansion, education, medical needs, or any major expense.
Why Choose Our Mortgage Loan?
A loan against property gives you access to large funds at lower interest rates than personal loans — secured against your existing asset.
High Loan Amount
Borrow up to 70% of your property's current market value — residential or commercial — assessed by our empanelled valuer.
Lower Interest Rates
Secured against property, mortgage loans carry significantly lower interest rates than unsecured personal loans or business loans.
Use Funds for Any Purpose
Business expansion, working capital, education, medical emergencies, debt consolidation — no end-use restrictions.
Retain Property Ownership
You continue to own and use your property throughout the loan tenure. Only the title documents are held as security.
Flexible Repayment
Choose a tenure of up to 15 years with EMI options tailored to your cash flow — monthly, quarterly, or step-up repayment.
Overdraft Facility Available
Opt for an overdraft structure and draw funds as needed, paying interest only on the amount utilised.
What Can You Use It For?
A mortgage loan is one of the most versatile financial instruments available to property owners.
Business Expansion
Fund new machinery, inventory, office space, or working capital for your growing business.
Higher Education
Finance your child's education at a premier institution in India or abroad without liquidating investments.
Medical Emergencies
Access large funds quickly for critical medical treatments, surgeries, or long-term care.
Debt Consolidation
Consolidate multiple high-interest loans into a single, lower-rate mortgage loan to reduce your monthly outgo.
Home Renovation
Upgrade, extend, or renovate your existing property using the equity you've already built up.
Wedding & Life Events
Finance major life milestones without dipping into long-term savings or retirement corpus.
Eligible Property Types
We accept a wide range of property types as collateral across Bangalore and Karnataka.
Interest Rate Plans
Competitive rates with transparent processing fees and no hidden charges.
Residential Property
For self-occupied or rented residential properties.
Commercial Property
For offices, shops, and commercial spaces.
Overdraft Facility
Interest charged only on utilised amount. Ideal for business use.
* Interest rates are indicative and subject to change based on credit profile, loan amount, property type, and RBI guidelines. Final rates are determined at loan sanction.
Eligibility Criteria
Check if you qualify for a CitiLoans Mortgage Loan.
Salaried Individuals
- Age: 21 to 60 years at loan maturity
- Minimum net monthly income: ₹40,000
- Minimum 3 years of continuous employment
- Credit score of 700 or above
- Clear title property in Bangalore / Karnataka
Self-Employed / Business Owners
- Age: 25 to 65 years at loan maturity
- Minimum 3 years in current business
- Minimum annual income: ₹6,00,000 (ITR basis)
- Credit score of 700 or above
- Clear title property in Bangalore / Karnataka
Documents Required
Minimal paperwork. We guide you through every document.
Identity & Address Proof
- Aadhaar Card
- PAN Card
- Passport / Voter ID / Driving Licence
Income Proof (Salaried)
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / ITR for last 2 years
Income Proof (Self-Employed)
- ITR with computation for last 3 years
- Last 12 months bank statements
- Business registration / GST certificate
Property Documents
- Original title deed and chain of documents
- Encumbrance certificate (EC) for last 15 years
- Khata certificate and property tax receipts
- Latest property valuation report (if available)
How It Works
Access funds against your property in four straightforward steps.
Apply & Consult
Submit your application online or visit our office. A relationship manager will assess your property and funding requirements.
Property Valuation & Legal Check
Our empanelled valuer assesses the current market value of your property. Our legal team verifies title documents and encumbrance.
Loan Sanction in 72 Hours
Post valuation and legal clearance, your loan is sanctioned within 72 hours and a formal sanction letter is issued.
Disbursement to Your Account
The loan amount is disbursed directly to your bank account. Your original property documents are held securely until full repayment.
Unlock Your Property's Potential Today
Get a free property assessment and loan eligibility check from our experts. No obligations.