Mortgage Loan

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Yashika Financial Services Overview

Unlock Your Property's Value

Get instant funds by mortgaging your property

What is a Mortgage Loan?

Mortgage loans, also known as Loan Against Property (LAP), enable you to unlock substantial funds by leveraging your residential or commercial property as security while retaining full ownership and usage rights. Perfect for business expansion, debt consolidation, medical emergencies, children's education, or significant financial requirements, these loans offer higher amounts at attractive interest rates compared to unsecured loans.

Loan Amount: ₹5,00,000 - ₹5 Crore
Interest Rate: From 10% p.a.
Tenure: Up to 20 years
Processing: Within 7 days

Perfect For

Business
Education
Wedding
Medical
Debt Relief
Renovation
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Yashika Financial Services Why Choose Us

Trusted Mortgage Loan Provider

Leverage your property for financial freedom

01

High Loan Amount

Get up to 80-90% of your property value as loan.

02

Long Tenure

Flexible repayment period up to 20 years.

03

Continue Living

Stay in your property while using it as collateral.

04

Lower Interest

Attractive rates starting from 10% per annum.

05

Multipurpose Usage

Use funds for any legitimate purpose.

06

Both Property Types

Accept residential and commercial properties.

Yashika Financial Services Quick Application

Apply for Mortgage Loan

Fill out the form below and our team will contact you within 48 hours

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Yashika Financial Services Eligibility

Mortgage Loan Eligibility Criteria

Basic Eligibility

Age Requirement

Between 21 to 65 years

Citizenship

Indian citizen or NRI

Property Ownership

Clear title of property

Credit Score

750+ for better rates

Property Requirements

Clear Title

Property should have clear legal title

Property Type

Residential or commercial property

Location

Property in approved locations

Loan-to-Value

Up to 80-90% of property value

Yashika Financial Services Documentation

Documents Required for Mortgage Loan

Keep these documents ready for quick loan processing

Identity Proof

Aadhaar / PAN / Passport

Address Proof

Utility Bill / Rent Agreement

Income Proof

Salary Slips / ITR / Bank Statements

Property Documents

Title Deed / Sale Deed / Approved Plans

Property Valuation

Property valuation report

Tax Receipts

Property tax receipts

Yashika Financial Services Features & Benefits

Mortgage Loan Advantages

01

High Loan Amount

Get up to ₹5 crore based on property value

02

Lower Interest

Lower rates than personal loans

03

Long Tenure

Repay over 20 years with low EMIs

04

No End-use Restriction

Use funds for any legitimate purpose

05

Retain Property

Continue using your property

06

Flexible Prepayment

Part-payment and foreclosure allowed

Yashika Financial Services More Options

Explore Other Loans

Find the perfect loan solution for your needs

Personal Loan

Business Loan

Home Loan

Car Loan

Education Loan

Loan Against Receivables

Bridge Funding

Machinery Loan

Working Capital

CC/OD Facility

Construction Finance

Lease Rental Discounting

Equity Funding

CGTMSE Loan

Yashika Financial Services Happy Customers

What Our Customers Say

Real experiences from customers who got mortgage loans

"Leveraged my commercial property to expand my manufacturing unit. Got ₹50 lakh at great rates while continuing to use the property. Thank you Ketan sir!"

Kiran Pawar

Manufacturer, Pune

"Secured loan against property for my son's education abroad. Got 85% LTV with 15-year tenure. Process was transparent and professional."

Rajesh Nambiar

Banker, Mumbai

"Used LAP to consolidate high-interest debts. Lower EMI, longer tenure, and excellent service. My financial stress is gone now!"

Sangeeta Desai

Entrepreneur, Thane

Need Funds? Leverage Your Property!

Apply now and get your mortgage loan approved within a week

Apply Now

Yashika Financial Services Mortgage Loan FAQs

Got Questions?
We Have Answers

Find answers to commonly asked questions about mortgage loans.

Contact Us

What is the difference between home loan and mortgage loan?

A home loan is specifically for purchasing or constructing a property, while a mortgage loan (loan against property) is taken by pledging an existing property as collateral. Mortgage loans can be used for any purpose - business, education, medical, etc.

How much loan can I get against my property?

You can typically get up to 80-90% of your property's market value as a loan. The exact amount depends on property location, type, condition, your income, and repayment capacity. We provide free property valuation services.

Can I live in the mortgaged property?

Yes, absolutely! You can continue to live in or use your property even after mortgaging it. The property is pledged as security, but you retain full usage rights until loan repayment is complete.

What types of properties are eligible?

We accept residential properties (house, flat, bungalow), commercial properties (office, shop, warehouse), and plots in approved locations. The property should have clear legal title and proper documentation.

Are there tax benefits on mortgage loans?

Unlike home loans, mortgage loans don't offer direct tax benefits unless the funds are used for specific purposes like home renovation or business. Consult with a tax advisor for detailed information based on your specific usage.