Adiyogi Enterprise offers a variety of mortgage loans, including fixed-rate, adjustable-rate (ARM), jumbo loans, and loans backed by FHA or VA programs, catering to diverse financial needs.
Apply for a mortgage loan online in Ahmedabad with Adiyogi Enterprise, your trusted partner for seamless financial solutions. We have over 20+ years of expertise in mortgage loan and offers specialized services to ensure you get the best deal. Whether it's funding your dream home or meeting personal or business requirements, our loan against property options are tailored to your needs, ensuring expert guidance at every step. A loan against property (LAP) is a secured loan provided against the mortgage of your self-owned property. With interest rates starting as low as 9% p.a., you can avail yourself of up to 80% of the property’s value for a tenure of up to 15 years. The property you pledge acts as collateral, ensuring affordable interest rates and higher borrowing limits. The loan-to-value (LTV) ratio typically ranges from 50-90%, depending on the property and lender's criteria.
At Adiyogi Enterprise, we simplify the process, offering a quick and hassle-free way to apply for a mortgage loan online in Ahmedabad. Whether you need funds for personal milestones or expanding your business, we ensure competitive rates and flexible repayment terms. Choose Adiyogi Enterprise to unlock the potential of your property while enjoying peace of mind. Start your journey today—apply for a mortgage loan online and achieve your financial goals effortlessly.
Mortgage loans are secured loans with simple eligibility criteria, ensuring quick approval and hassle-free processing. Whether it's for education, business expansion, or personal needs, you can avail financing of up to ₹15 crore, making high-value funding accessible with minimal requirements.
Mortgage loans start with attractive interest rates as low as 9% p.a., allowing you to secure higher loan amounts at affordable EMIs. Compared to personal loans, property loans are cost-effective and provide the added advantage of longer repayment tenures, making them an ideal choice for financial flexibility.
Leverage the maximum liquidity value of your property with a mortgage loan offering a repayment tenure of up to 15 years. Longer tenure options calculate to lower EMIs, easing the financial burden and ensuring smoother repayment. Whether short-term or long-term, the flexibility allows you to manage your finances effectively.
Offers loan against property from top banks at the lowest interest rates starting at just 9% p.a. Leverage the value of your property to fulfill your financial goals, whether for business, education, or personal needs. With Adiyogi Enterprise, enjoy hassle-free processing, expert guidance, and the lowest rates in the market. Achieve your dreams while ensuring flexible repayment options tailored to your requirements.
| Amount | Up to 15 Crore |
| Loan Tenure | 15 to 25 Years |
| Low Interest Rates | Starting from 9% p.a. |
| Eligibility Criteria | 21-65 Years |
| Loan Disbursal | Loan Disbursal in just 3-4 Business Days |
Here are some key features of a Mortgage loan offered by Adiyogi Enterprise:
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.5% to 4% of Loan Amount |
| Loan Cancellation | Usually around Rs 3,000 |
| Stamp Duty Charges | As per actuals |
| Legal Fees | As per actuals |
| Penal Charges | Usually 2% per month; 24% p.a. |
| EMI / Cheque Bonus | Around Rs 400 per bounce |
Click the button below to get approved for a mortgage loan of up to Rs. 15 crore for salaried and self-employed individuals, which is available online and offline. Use the loan for business growth, working capital, debt consolidation, equipment purchases, medical expenses, and more!
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| Principal | Interest | Total Payable |
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Compare the best mortgage loan interest rates and processing fees offered by india’s top banks like HDFC, ICICI, and SBI. With a detailed comparison table, you can easily evaluate options to choose the most affordable loan against property that meets your financial needs. These loans come with competitive rates and transparent fee structures, ensuring cost-effective solutions. Utilize mortgage loans for business expansion, working capital, debt consolidation, equipment purchase, medical emergencies, children’s education or marriage, holidays, and more. Find the ideal mortgage loan that aligns with your goals and ensures financial flexibility.
| Bank Name | Mortgage Loan Interest Rate | Processing Fee |
|---|---|---|
| HDFC Bank | 9.50% to 11.00% | Up to 1.50% of loan amount + taxes |
| Kotak Mahindra Bank | 9.50% to 10.50% | 1% of loan amount + GST |
| PNB Housing | 9.24% to 12.45% | 2% of loan amount + GST |
| SBI Bank | 10.10% to 11.65% | Up to 1% of loan amount |
| Bank of Baroda | 10.85% to 16.50% | Up to 1% of loan amount |
| Aditya Birla Housing | 10% to 16.50% | 0.5% to 1% of the loan amount |
| YES Bank | 8.85% | Up to 1% of loan amount + GST |
| Axis Bank | 11.75% to 12.75% | 1% of loan amount + GST |
| ICICI Bank | 10.85% | 1.50% of the loan amount |
| Ugro Capital | 14% to 18% | 1.5% to 2% of the loan amount |
| Bajaj Housing | 9.40% to 18.00% | 4% of the loan amount + GST |
| L&T Housing | 9.60% | Up to 2% of loan amount |
| Tata Capital | 9.00% to 13.00% | Up to 1.25% of the loan amount |
| Standard Chartered Bank | 9.25% to 11.50% | 0.50% + GST |
Mortgage loans can be availed for various purposes, offering financial flexibility to individuals and businesses. Here's a detailed look at the types of mortgage loans/loan against property (LAP) based on the purpose:
Businesses can utilize mortgage loans/loan against property (LAP) to fund new machinery, purchase plants, meet working capital requirements, or invest in technology and expansion. The loan amount depends on the property used as collateral—residential, commercial, or industrial. For residential properties, the loan-to-value (LTV) ratio is 65-70%, while commercial properties have an LTV of 55-65%. Industrial properties have a lower LTV of 40-55%.
Banks provide borrowing facilities against property to meet daily working capital needs. The loan amount depends on the property’s value and type, along with the borrower’s projected annual turnover. This option offers businesses flexibility in managing their financial obligations.
Mortgage loans/loans against property (LAP) can be used for personal purposes such as medical emergencies, education fees, weddings, travel, or purchasing consumer durables. It allows borrowers to leverage their property’s value for financial needs without selling it.
When home renovation loans have lower interest rates, homeowners may prefer mortgage loans or loans against property (LAP) for major improvements when a larger amount is required. This other option allows you more options when particular renovation financing are insufficient.
LRD is a unique mortgage loans or loans against property (LAP) option where banks offer loans based on future rent receivables. Commonly available in metropolitan areas, this loan requires the property generating rent to be mortgaged. Banks typically finance 75-90% of future rent receivables, and the loan tenure is linked to the lease period.
Mortgage loans, also known as loans against property (LAP), are a diverse means of financing that provides to a wide range of demands, from corporate development to personal costs, providing financial help without liquidating assets.
Adiyogi Enterprise is an innovative one stop solution for all your financial needs, including Home Loans, Personal Loans, Credit Cards, Business Loans, Personal Loans, Balance Transfers and more. With a PAN Gujarat presence, Adiyogi Enterprise is a trusted Home Loan DSA in Ahmedabad and leading credit lending establishment. Founded by financial experts with over 20+ years of experience, we have satisfied the needs of over 1 lakh+ clients. As a reliable loan agent and home loan provider in Ahmedabad, we use a highly proficient, internally developed Loan Calculator algorithm to offer the best options and deals suited to your requirements. Our advanced algorithm leverages factual data, market trends, and future predictions to ensure you receive optimal financial solutions that meet to your goals and aspirations.
Adiyogi Enterprise offers a variety of mortgage loans, including fixed-rate, adjustable-rate (ARM), jumbo loans, and loans backed by FHA or VA programs, catering to diverse financial needs.
Eligibility depends on your credit score, income, employment history, debt-to-income ratio, and property details. Each factor is assessed to ensure affordability and compliance.
The maximum loan amount is based on your income, creditworthiness, property value, and the loan-to-value (LTV) ratio, ensuring it aligns with your financial capacity.
You will need proof of identity, address, income (payslips or tax returns), employment history, and property documents to complete the application process.
Interest rates vary based on the loan type and market conditions. Contact Adiyogi Enterprise for up-to-date rates and tailored options.
Yes, Adiyogi Enterprise offers pre-approval, providing clarity on your eligible loan amount and strengthening your property purchase negotiations.
The LTV ratio depends on the loan type but typically ranges from 75% to 90% of the property's value, subject to eligibility and loan guidelines.
Adiyogi Enterprise offers flexible repayment options, including fixed EMIs, variable tenure periods, and prepayment facilities without penalties.
Yes, joint applications are allowed. A co-borrower can enhance loan eligibility, improve interest rates, and share repayment responsibilities.
Yes, additional costs may include processing fees, appraisal charges, documentation fees, and closing costs. Please check for a detailed breakdown during loan discussions.