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Kotak Mahindra Bank

Kotak Mahindra Banks Loan Against Property gives you opportunities to raise capital ranging from 10 Lakh to 5 Crore. Your Residential or Commercial property can help you fulfil your personal and business needs by availing our Loan Against Property. It comes along with these beneficial features: Maximum loan amount up to 5 Crore, attractive interest rate, flexible EMI options, processing fees up to 1%, repayment tenure up to 15 years, Overdraft facility, quick loan disbursal with hassle-free documentation. Apply online for loan against property through LoanMoney at attractive interest rates.

Loan Against Property is primarily taken for the purpose of Business Expansion, increase working capital, Debt Consolidation, Purchase of Machinery, Finance your other business requirement. Our Loan Against Property EMI Calculator will help you calculate the monthly EMI instalments for repayment of your loan amount. The factors that are taken into account when calculating Loan Against Property EMIs are your desired loan amount, loan tenure, and the rate of interest.

Kotak Mahindra bank also gives Term Loan and Overdraft facility in Loan against Property. No prepayment/foreclosure is allowed after 6 months EMI. Avail the Mortgage loan from Kotak Mahindra Bank at desirable interest rates. A non-refundable processing fee of up to 1% is charged. You can avail up to 65% of the cost of the asset as Loan.

 Use Loan Against Property EMI Calculator to calculate monthly EMIs on the basis of Loan Amount, Interest Rate & Tenure. Apply for Mortgage Loans in Delhi-NCR online with LoanMoney to avail the lowest interest rates and quick approval.

  Salaried Self Employed Professional
Age 21 To 60 Years 21 To 65 Years 21 To 65 Years
Loan Amount 10 Lakh To 5 Crore 10 Lakh To 25 Crore 10 Lakh To 25 Crore
Tenure  5 To 15 Years 5 To 15 Years 5 To 15 Years
Rate of Interest / APR [Annual Percentage Rate] 9.60% Onwords 9.60% Onwords 9.60% Onwords
Features Loan Eligibility Up to 200% Of Income Loan Eligibility Up to 200% Of Income Loan Eligibility Up to 200% Of Income
Processing Fees 0.50% to 0.75% 0.50% to 0.75% 0.50% to 0.75%
Special NA NA NA
Documentation KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents. KYC/Financial(2 Years) & Property Documents.
Eligibility

For Salaried Employee:

  • Minimum annual income should be Rs. 6 Lakhs as per the P&L.
  • Minimum 21 years of age.
  • Maximum 60 years of age at the time of loan maturity.
  • Minimum Experience: 1 Year Current Company

For Self-Employed Non-Professionals:

  • Minimum annual income should be Rs. 1.44 Lakhs as per the P&L.
  • Minimum 21 years of age.
  • Maximum 65 years of age at the time of loan maturity.
  • Firm/company should have been in operation for the last 3 years.
  • Firm/company should be making cash profits for the last two years.

For Self-Employed Professionals:

  • Minimum annual income should be Rs. 1.44 Lakhs as per the P&L.
  • Minimum 21 years of age.
  • Maximum 65 years of age at the time of loan maturity.
  • Firm/company should have been in operation for the last 3 years.
  • Firm/company should be making cash profits for the last two years
Particulars Salaried Self Employed Professional
Age(Min-Max) 21 To 60 Years 21 To 65 Years 21 To 65 Years
Minimum Income Min. 6,00,000/- Per Annum Min. 2,50,000/- Per Annum Min. 2,50,000/- Per Annum
Co-applicant Yes Yes Yes
Loan Tenure 5 To 15 Years 5 To 15 Years 5 To 15 Years
Maximum Loan Amount Max. 10 Crore Max. 25 Crore Max. 25 Crore
Employment/Business Continuity Min. 3 Years Min. 3 Years Min. 3 Years
CIBIL Score Min. 600+ Min. 600+ Min. 600+

Documents Required for Salaried Employees

  • Duly filled Application Form with Photograph
  • Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
  • Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
  • Education Qualifications – Latest Degree
  • Latest Salary- slips for 3 months
  • Form 16 for last 2 years
  • Last 6 months Bank Statements(salary account)

Documents Required for Sel-Employed/Professional 

  • Duly filled Application Form with Photograph
  • Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)
  • Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)
  • Education Qualifications – Latest Degree (for professionals), Certificate & Proof of business existence along with Business Profile
  • Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant
  • Last 12 months Bank Account Statements (self & business).
Fee Amount to be Paid
Rate of Interest 9.60% Onwords
Loan Processing Charges 0.50% to 0.75%
Cheque Bounce Charges NA
Cheque/ Instrument Swap charges NA
Prepayment/ Foreclosure Charges NA
Default Interest Rate NA
Duplicate Statement Issuance Charges NA
Duplicate Amortization Schedule Charges NA
Duplicate Interest Certificate NA
S(Provisional/ Actual) issuance Charges NA

Feature of Kotak Mahindra Bank

Your property can help you fulfil your personal and business needs. Apply for loan against property with Kotak bank at attractive interest rates. Avail it today and unlock the potential of your property. 

Advantage of of Kotak Mahindra Bank

Loan Against Property is primarily taken for the purpose of Business Expansion, Purchase of Machinery, Debt Consolidation, Funding your other business requirement. We generally offer a loan up to 10 years, however the maximum permissible tenure is 15 Years. We offer Term Loan and Overdraft facility under Loan against Property. For foreclosing the loan, there are foreclosure charges levied which are subjected to bank’s policy.

Benefits of of Kotak Mahindra Bank

  • Kotak provides flexible Eligibility Criteria for Loan Against Property.
  • Loan Against Property Applicants can avail loans amounting from Rs. 10 Lakh to Rs. 25 Crore.
  • Loan Against Property can be availed against the commercial, residential or industrial property. 
  • The loan can be availed for Business as well as Personal needs such as education, travel and other expenses.
  • Get flexible loan offerings in the form of EMI based loans or overdraft facility.
  • Loan Against Property is issued with ease of repayment through flexible tenure.

Advantage for Customer

  • Instant Approval
  • Maximum Loan Amount
  • Flexible Repayment Options
  • Loan Tenure upto 15 Years 
  • Doorstep Services
segmentation

Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S. ,Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.


  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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