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Best Mortgage Loan in Kolkata

Tell us more about your requirements so that we can connect you to the right Best Mortgage Loan in Kolkata

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What type of mortgage loan do you need?
  • Loan against property
  • Loan against property without map
  • Loans on Lal Dora property
  • Loans against rent receivables
Select type of mortgage loan
What type of property do you want to mortgage?
  • Residential building
  • Plot
  • Commercial building
  • Industrial building
Select property for mortgage
What loan amount are you looking at?
  • Less than 10 lakhs
  • 11 - 25 lakhs
  • 26 - 50 lakhs
  • More than 50 lakhs
Select mortage loan amount
Please give an estimate of your montly income
  • Rs 20,000 - 40,000
  • Rs 40,000 - 60,000
  • More than Rs 60,000
Select income range for mortgage loans
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Kolkata
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Have an existing property in hand and want to buy a new one? Worry not! With instant approval and great interest rates, obtaining a loan is merely a click away now! Loan against Property, rent receivables, dora property can be availed for both personal and professional expenses. This way, you can mortgage your property like Residential, commercial, industrial building, plots and obtain a premium upto 25 lakhs based on the value of the property in Kolkata.

Top List of Mortgage Loan Agents in Kolkata

as on May 18, 2022
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  1. Captival Consultancy

    Hazra Road, Bhowanipore
    1 Review 7.0

    Mortgage Loans

    No. 1/1B, Ground Floor, Hazra Road, Bhowanipore, Kolkata - 700026 Get Directions
  2. H. Saraogi & Associates

    2nd Floor, Reekjoyoni
    3 Reviews 7.8

    Mortgage Loans

    heena reviewed for Mortgage loans 8th Jan, 2021

    Excellent service good service

    No. 5/1, Russel Street, Royal Court, 2nd Floor, Reekjoyoni, Kolkata - 700071 Get Directions
  3. Home Solutions-Kolkata-Mortgage Loans

    Home Solutions

    Ground Floor, Kestopur
    7 Reviews 8.4
    Offer 50% Off View offer

    Mortgage Loans

    HG-4/2, S.L. Sarani, Joramondir, VIP Road, Ground Floor, Kestopur, Kolkata - 700059
  4. V.C.Counsultancy

    Hemanta Basu Sarani, Dalhousie
    7.5

    Mortgage Loans

    12, Hemanta Basu Sarani, Dalhousie, Kolkata - 700069
  5. Shreeji Associates-Kolkata-Mortgage Loans

    Shreeji Associates

    Also Servicing in Kolkata
    1 Review 6.0

    Mortgage Loans

    No. 102 1st floor, Orchid Plaza, Borivali West, Mumbai - 400092 Get Directions
  6. Ridhi Sidhi Finance

    Also Servicing in Kolkata
    5.2

    Mortgage Loans

    F- 406, B Block, Tapovan Residential Estate Road No:2,, Ranchi G.P.O., Ranchi - 834003
  7. Loknath Finance-Kolkata-Mortgage Loans

    Loknath Finance

    Chakraborty Para, Garia
    1 Review 7.4

    Mortgage Loans

    Baruipur, Chakraborty Para, Garia, Kolkata - 700144 Get Directions
  8. Goutam Goswami-Kolkata-Mortgage Loans

    Goutam Goswami

    Sahapur Colony, New Alipore
    4 Reviews 8.7

    Mortgage Loans

    Altubuddin Shaikh reviewed for Mortgage loans 7th Apr, 2019

    A great person with great knowledge of loans. He can solve any kind of problems related to loans. In one word he is a LOAN GURU...

    Meherunnisha Khatun reviewed for Mortgage loans 2nd Mar, 2019

    Great service done by Goutam Goswami.

    K-11, Plot No. 131, Ground Floor, Sahapur Colony, New Alipore, Kolkata - 700053 Get Directions
  9. Dipayan Biswas-Kolkata-Mortgage Loans

    Dipayan Biswas

    Basunagar Block - 5, Madhyamgram
    6.3

    Mortgage Loans

    Basunagar Block - 5, Madhyamgram, Kolkata - 700129 Get Directions
  10. Dhani Fincorp And Advisory-Kolkata-Mortgage Loans

    Dhani Fincorp And Advisory

    Also Servicing in Kolkata
    7.5

    Mortgage Loans

    Shub Tower, 2nd Floor, Badgaon, Udaipur - 313011

Latest User Reviews for Mortgage Loan in Kolkata

as on May 18, 2022 Average Rating (5) - 159 reviews
10th Sep, 2021

Upto yesterday thier office was in Poddar court, and today it is in Barabazaar, contact person was Sanjeev Sen Sharma and today someone else name. Big fraud. Take money from people and cheat them

13
8th Jan, 2021

Excellent service good service

0
16th Jun, 2020

Brilliant Loan consultation in this company where i able to understand the process of loan and its calculation. The rate of interest is very smoothly understandable

0
26th Feb, 2020

Very professional and good service, recommend everyone to avail services

2
16th May, 2019

Very efficient. ..excellent services i got from them..

0
7th Apr, 2019

A great person with great knowledge of loans. He can solve any kind of problems related to loans. In one word he is a LOAN GURU...

1
7th Mar, 2019

Great working with them. The team is very professional and makes sure that they give the best solution to their clients.

1
8th Oct, 2018

Totally disgusting service. No after sales support. Totally fraud. There phone number is not valid also. Total FRAUD.

2
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Recent Enquiries for Mortgage Loan in Kolkata

  • Type of mortgage loan: Loan against property
  • Property for mortgage: Residential building
  • Mortage loan amount: 11 - 25 lakhs
  • Income range for mortgage loans: Rs 40,000 - 60,000
20 hours ago
  • Type of mortgage loan: Loan against property
  • Property for mortgage: Residential building
  • Mortage loan amount: Less than 10 lakhs
  • Income range for mortgage loans: Rs 20,000 - 40,000
5 days ago
  • Type of mortgage loan: Loan against property
  • Property for mortgage: Residential building
  • Mortage loan amount: Less than 10 lakhs
  • Income range for mortgage loans: Rs 20,000 - 40,000
6 days ago
  • Type of mortgage loan: Loan against property
  • Property for mortgage: Residential building
  • Mortage loan amount: 11 - 25 lakhs
  • Income range for mortgage loans: Rs 20,000 - 40,000
13 days ago

Recent Bookings for Mortgage Loan in Kolkata

  • Type of mortgage loan: Loan against property
  • Property for mortgage: Residential building
  • Mortage loan amount: 11 - 25 lakhs
  • Income range for mortgage loans: Rs 20,000 - 40,000
622 days ago
  • Type of mortgage loan: Loan against property
  • Property for mortgage: Residential building
  • Mortage loan amount: Less than 10 lakhs
  • Income range for mortgage loans: Rs 20,000 - 40,000
735 days ago
  • Type of mortgage loan: Loan against property
  • Property for mortgage: Residential building
  • Mortage loan amount: Less than 10 lakhs
  • Income range for mortgage loans: Rs 20,000 - 40,000
814 days ago
  • Type of mortgage loan: Loan against property
  • Property for mortgage: Residential building
  • Mortage loan amount: 26 - 50 lakhs
  • Income range for mortgage loans: Rs 40,000 - 60,000
817 days ago

Important Things to Consider before Apply to mortgage loan in Kolkata

To check property approval status and legal documents:

  1. The property against which loan is to be taken is required to have a spotless title, all statutory and government approvals and in addition, finish set of property records.
  2. Some of the property-related documents that a lender will require are Registered Sale Deed/ Conveyance/ Lease Deed, Past Sale Deeds Chain (each transaction in respect of this property since the first allotment), Latest House Tax Return/ Receipt, Approved Building Plan from Municipal Corporation, etc.
  3. Loans against residential properties are easy to get with a low rate of interest & should be the first choice of property for this loan option.

Eligibility and EMI:

  1. Gauge your loan sum qualification to know the credit sum you will be qualified for and can apply for.
  2. Calculate the monthly EMI that you can easily repay based on your current net income and other existing fixed obligations including rent and EMIs on other existing loans.
  3. Your loan eligibility is calculated based on your age, net income, existing obligations, property type, LTV ratio, and other factors. EMI is dependent on the loan amount, interest rate and tenure.

Decide on the type of mortgage loan interest rate offers

To check the various mortgage loan offers of different banks.

  1. Fixed rates come at a marginally higher rate of intrigue contrasted with floating-rate loans and financing cost stays consistent amid the residency of property advance. In gliding rate advance, loan fees are reset at periodic intervals in light of changes in MCLR and PLR rates of banks or NBFCs. Greater part of credit against property in India today are gliding rate advances as it permits the loan costs on LAP to move as per the present financing costs.
  2. You can also evaluate the option of an overdraft facility with a property loan. The overdraft facility allows to you to deposit surplus amount in your Loan against property overdraft account when available and hence, reduce your overall interest amount outgo and also shorten your loan tenure. This loan is highly recommended to self-employed businessmen who generally have surplus cash lying idle at home. The interest rates on overdraft loan are slightly higher than that of a regular mortgage loan interest rates.
  3. Do mortgage loan interest rate comparison of the banks on various types of mortgage loan products and make an informed decision.
Bank NameInterest Rate(Floating)Processing fee (one-time fee)
HDFC9.60%1.25%
ICICI Bank9.50%0.50%
Axis Bank9.75%0.50%
SBI9.40%0%1.00%
Citi Bank8.50%Max rs 10,000
Indian Bank13.80%1.17%
PNB Housing Finance9.75%2.00%
Bank of india10.50%1.00%
Canara Bank11.45%1.00%
Central Bank of india10.80%0.50%
City Union Bank14.75%-
Dena Bank9.95%1.00%
Dhanlaxmi Bank11.58%1.50%
DHFL12.00%2.00%
Federal Bank11.60%0.50%
HSBC Bank9.85%1.00%
IDBI Bank9.90%1.00%
IDFC Bank9.50%1.00%
Indiabulls10.50%1.00%
Indian overseas Bank10.60%0.62%
IndusInd Bank9.65%2.00%
karnataka Bank13.20%-
Karur Vysya Bank11.50%0.50%
Kotak Bank10.00%1.00%
Laxmi Vilas Bank11.70%1.20%
Naintal Bank14.75%0.50%
RBL Bank12.80%1.25%
South Indian Bank13.60%0.50%
Standard Chartered Bank9.50%1.00%
Syndicate Bank11.50%0.50%
UCO Bank10.70%1.00%
Union Bank of India11.10%0.50%
United Bank of india10.65%1.00%
Vijaya Bank11.90%0.55%
Read More

FAQ - Best Mortgage Loan in Kolkata

  • Q. Which documents are required for the application of a mortgage loan?

    The list of documents required by an individual for the mortgage loan includes

    • Proof of Income (salary slip for salaried persons/ recent ITR for self-employed persons)
    • Copy of Identity Proofs (PAN card & Adhaar Card)
    • Bank Statements (last three months)
    • Copy of address proof
    These are the basic documents that individual needs for the loan. Apart from these, the other documents vary from one bank to another.
  • Q. What type of property can I offer for a mortgage?

    For getting a secured loan, you can mortgage several kinds of properties such as commercial building, residential building, plot (non-agricultural), and industrial building too.
  • Q. How do I qualify the criteria of mortgage loan?

    The criterion for mortgage loan varies from one financial institution to another. Generally, the criteria include

    • Age- Above 25 years
    • Indian citizenship
    • Dispute-free property
    • No default history
    • Regular source of income
    Property should not belong to the lost of negative areas
  • Q. What kind of mortgage loans can I avail?

    The banks offer several kinds of mortgage loans. The list of the loans includes home loan, loan against property without a map, top-up loan, loan against property, loan on Lal Dora property, commercial property loan, and loan against rent receivables.
  • Q. What would my loan amount depend on?

    The reputed mortgage loan providers help in getting the loan of the different amounts such as

    • Less than ten lakhs
    • 11 to 25 lakhs
    • 26 to 50 lakhs
    • More than 50 lakhs
    However, the amount of the loan sanctioned depends on several factors like valuation of property, type of property, location, age of the property, CIBIL score, financial discipline, source of income and many others.
  • Q. Why Sulekha is the right platform to find a dependable mortgage loan provider?

    Sulekha is a leading business-listing directory. At Sulekha, we bring to you a list of verified and reputed mortgage loan providers. If you wish to hire expert services, fill the form above with your basic details. The experience loan agents from your area would contact you. You can discuss the required services and fee and hire the experienced consultant offering the right guidance for the mortgage loan.

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