Mortgage loan is a secured loan, many banks and financial organizations grant the loan against the property. Here the newly purchased house playing the collateral for the mortgage loan. Kubera Loans is one-stop solutions for all your housing loan needs. Whether you’re looking to purchase, construct, or renovate a home, kubera loans provide loans to salaried individual and self-employees. Kubera loans help you to get loan from top banks / lenders. Check your eligibility & apply for home loans, and sit-back, kubera loans will do all remaining things until you get the loans. We also recommend you the best banks which provides the loans at low interest rates. We play as bridge between you and lender until the loan process done.

Mortgage Loans:
  • Eligible Loan Amount : Up to 60% of the mortgaged property’s market value
  • Minimum Eligible Income : Rs. 40,000 per month
  • Eligible Age : Above 18 Years to 70 Years
  • Interest Rate* (p.a.) : 7.90% onwards
  • Processing fee : 0.5% to (Max amount differ from lender to lender)
  • Maximum loan duration : Max 30 Years

Some news this fine day!

Documentation Required for Mortgage Loan:

The documents required to get a Mortgage loan are different for a salaried professional and a self- employed individual.

For salaried applicants:

  • Proof of Residence : Rent Agreement / Utility Bill (not more than 3 months old) / Passport / Voter’s ID / Ration Card (any one).
  • Proof of Identity : Passport / Driving License / Voters ID / Aadhaar Card (any one)
  • PAN Card
  • Income Proof : Form 16, Certified letter from Employer, IT returns of past 3 years, Latest 3 months Bank Statement, Salary slips for last 3 months, Salary slips for last 3 months
  • 2 passport size photographs
    For self-employed applicants:
  • Proof of Residence: Rent Agreement / Utility Bill (not more than 3 months old) / Passport / Voter’s ID / Ration Card / Bank Passbook (any one).
  • Proof of Identity: Passport / Driving License / Voters ID / Aadhaar Card (any one)
  • PAN Card
  • 2 passport size photographs
Income Proof:
  • Income Tax Returns (ITR) of last 3 years
  • Balance Sheet and Profit & Loss Account Statement of the Company/Firm (duly attested by a C.A.)
  • Proof of Business Address
  • Business License Details (or any other equivalent document)
  • The license of Professional Practice (For Doctors, Consultants, etc.)
  • Registration Certificate of Establishment (For Shops, Factories & Other Establishments)
    • Property Documents Required For Mortgage Loan for both salaried individual & self-employed:

    • NOC from Society/Builder.
    • A detailed estimate of the cost of construction of the house.
    • Registered Sale Deed, Allotment Letter or Stamped Agreement of Sale with the Builder (original document).
    • Occupancy Certificate (in case of ready-to-move-in properties).
    • Property Tax Receipts, Maintenance Bills and Electricity Bills.
    • Receipts of the advance payments made towards the purchase of flat (original document).
    • An approved copy of the building plan (key plan/floor plan in case of purchase of flats).
    • Original of the land tax paid receipt and possession certificate as issued by the revenue authority.
    • Payment receipt or bank account statements showing payments made to the Builder or Seller.


    Q).What are the main factors that effects business loan?

    Income Tax Returns(ITR):Banks consider borrowers who have filed ITRs of 2 years or more as eligible to get a business loan. Banks evaluate your monthly income and repayment capacity based on details submitted in the ITRs

    Investment / Turnover:Banks define companies into different categories based on the investment and revenue that a business enterprise has earned from the sale of goods and services to customers.

    Credit & Payment History:In order to sanction a loan banks do follow the credit history/ CIBIL score of every applicant. Positive payment history and better CIBIL score help to get the maximum loan amount at low interest rates.

    Applicant Age: Banks consider borrowers with age of 18 years to 65 years.

    Q).What is the maximum limit of MSME loan that I can get?

    The maximum loan amount depending on various eligibility factors, and it is varies from lender to lender. Banks provide maximum 100 Cr.

    Q).What kind of business comes under MSME?

    Manufacturing Enterprises: The enterprises dealing with the manufacturing and production of goods.

    Service Enterprises: The enterprises dealing with providing or rendering of services.

    Q).What are the age limit for MSME loan?

    Applicant should be at-least 18 years old and not more than 65 years of age

    Q). What is the maximum tenure for MSME loan?

    The maximum home loan tenure offered by all major lenders is 5 years.

    Q). Is there any turnover limit for MSME?

    The turnover limit for MSME is ₹ 5 Cr for micro enterprise, ₹ 5 Cr to ₹ 75 Cr for small enterprise, and for medium enterprise it is ₹ 7.50 Cr to ₹ 250 Cr.

    Q).What is the maximum turnover limit to get MSME Loan?

    Max ₹ 250 Cr p.a for both manufacturing and service Enterprises.

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