Property Loan against Commercial & Residential Properties

The key to opening a new world of opportunity

Fullerton India’s Loan Against Property comes with the best in personalised offerings, services and technology.

Leveraging your property's value is one of the safest ways to meet your current financial needs. With our customised solutions, you enjoy benefits such as online account management, flexible offerings, transparent procedures and simple processes from the get-go. So whether you are looking at securing a loan for personal or business requirements, our mortgage products help you focus on your personal needs, right here, right now.

Our in-house support team is available for any answers or information you need on phone, email, and chat. Apply for a Loan Against Property today, and make the most of a host of advantages as our valued client.

Why Fullerton India Loan Against Property

Our Loan Against Property can get you going within minutes to achieve your life goals!

Our unmatched loan against property products and experienced team ensure quick loan disbursals, hassle-free documentation and flexible tenures.


Loan Against Property up to `12.5 crores* - Our mortgage products offer loan amounts up to 70% of your property's market value. With loans up to `12.5 crores*, you can fulfil your business and personal needs with ease.

Easy interest rates starting at 9%*- Get the very best interest rates on loan against property in the market with our loan against property and maximise your benefits. We offer flexible repayment tenures so that you can plan your finances according to your needs.

High LTV on market value of both commercial and residential properties - You can get the best value with our mortgage loan product against your residential or commercial properties. Your funds can be used to fulfill any business or personal need.

Convenient and transparent process - Our mortgage loan products and services promise maximum speed and transparency. Our team is available via phone and email to help you find the best loan options and interest rates.

Personalised products to suit your individual needs - We offer different types of Loan Against Property products to suit all your needs at different life stages.

Hassle-free documentation and quick disbursal -Our seamless process makes sure that you have the smoothest experience from start to finish. With our online application process, you can get a loan against property with absolute ease.

*Terms and Conditions Apply

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What is the maximum loan amount that I can avail against the property?

You can get an amount of up to 70 percent* of the market value of the residential property or 60 percent* of the market value of the commercial premises. It is recommended that you speak with a customer service representative to know more about the maximum loan amount that you can avail against your mortgaged property.

For what purpose can I avail of a Loan against Property?

You can avail of a Loan against Property for any personal or business purposes including funding a dream wedding, expanding business premises, paying for medical emergencies, and more. The end use of the mortgage loan product should not be for any speculative or prohibitive activities.

Loan Against Property Repayment

When do I have to start repaying the loan amount?

The repayment period will commence in the month subsequent to the month in which the loan was disbursed. To know more about our flexible loan offerings, speak to a customer representative online or at the nearest Fullerton India branch today.

How do I repay the loan amount?

You will need to repay the loan in Equated Monthly Instalments (EMI). The amount can be paid through CTS compliant Post Dated Cheques (PDC) or the Electronic Clearance System (ECS). For more information on EMIs and loan repayment options, get in touch with our in-house team.

Loan Against Property Process

What security do I need to provide to avail of the loan?

The security for the loan will be the first mortgage of the property to be financed - generally by way of deposit of Title Deeds and/ or such other collateral security. The title to the property has to be clear, marketable, and free from encumbrance. In other words, there should not be any existing mortgage, loan, or litigation, which is likely to affect the title to the property adversely.

How and when will the loan amount be disbursed?

The loan amount will be disbursed directly to your operating bank account - post approval from the company. The approval process includes a verification procedure for the loan agreement and other legal formalities. The loan amount is disbursed after the property has been technically and legally appraised.

What is the tenure of the Loan Against Property? Can I repay my loan before the due date?

The LAP can be availed for a maximum tenure of 15 years. You can take up the loan until a maximum age of 65 years (at the maturity of the loan). You can repay your loan amount at any time during the tenure.

Note: Loans are at the sole discretion of Fullerton India and are subject to guidelines of the Reserve Bank of India. Fullerton India may engage the services of marketing agents for sourcing loan assets in certain locations.

Loan Against Property Eligibility

How will my loan eligibility be calculated?

The loan against property eligibility is usually calculated on the basis of the repayment capacity of the borrower. The repayment capacity will be ascertained based on factors such as your income, age, qualifications, spouse's income, and others. It is recommended that you speak with a customer service representative via phone and email or at the nearest branch to know more.

* Terms and conditions apply

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How can we help?


Get in Touch

Have a query? You can contact us through any of the channels listed below.

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1800 103 6001 Timings: 9:00 AM to 7:00 PM on all days (except Sundays and public holidays).
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