Mortgage Loan
About Mortgage Loan
A Mortgage Loan is a secured loan that allows you to borrow funds by pledging your property (residential or commercial) as collateral. It’s an excellent way to unlock the hidden value of your assets while still retaining ownership.
At PaisAuthao, we offer convenient and flexible mortgage loan options designed to meet your business, personal, or financial needs. Whether you want to expand your business, fund higher education, manage medical expenses, or consolidate debt — our mortgage loans provide the perfect financial solution.
Types of Mortgage Loan in India
At PaisAuthao, we understand that every customer’s housing need is unique. That’s why we offer a variety of home loan options to help you achieve your dream of owning a home — whether you want to buy a new property, build your own house, renovate your existing home, or expand your living space.
Loan Against Residential Property (LAP)
Loan Against Commercial Property
Lease Rental Discounting (LRD)
Top-Up Loan on Existing Mortgage
Balance Transfer of Mortgage Loan
Reverse Mortgage Loan (For Senior Citizens)
Loan Against Residential Property (LAP)
If you own a residential property — self-occupied or rented — you can use it as collateral to get a mortgage loan.
Loan Against Commercial Property
If you have an office, shop, showroom, or commercial building, you can mortgage it to get funds for your business or other financial needs.
Lease Rental Discounting (LRD)
This loan is available to property owners who earn regular rental income from leased properties. The future rent receipts are discounted to provide an upfront loan amount.
Top-Up Loan on Existing Mortgage
Already have a mortgage loan? You can get additional funds on top of your existing loan without the need for new property security.
Balance Transfer of Mortgage Loan
If you already have a loan with another bank or NBFC, you can transfer it to PaisAuthao for better interest rates and improved terms.
Reverse Mortgage Loan (For Senior Citizens)
A special loan designed for senior citizens (60+ years) who own a home but need regular income. Instead of paying EMIs, the borrower receives monthly payouts against their property’s value.
FAQs
What is a mortgage loan?
A mortgage loan is a secured loan where you pledge your property (residential or commercial) as collateral to borrow money. You continue to own and use your property, while repaying the loan through EMIs.
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