Explore property-backed finance with care.
A property-backed loan can offer access to funding, but it also puts an asset at risk if repayments are not maintained. Understand the terms before applying.
Check your loan against property eligibility
Answer a few questions to see an indicative affordability picture. Everything is calculated in your browser — nothing you enter here is sent or stored.
What lenders look at
Lenders may assess the property’s title and type, valuation, location, permitted use, income evidence, repayment capacity and legal status. Acceptable property types and loan-to-value limits vary significantly by lender.
Property title & type
Lenders have specific requirements for ownership, title, use, location and documentation.
Valuation & loan-to-value
The eligible amount depends partly on lender valuation and product limits—not only the owner’s estimate.
Income & cash flow
The lender will assess the ability to service repayments from acceptable income sources.
Risk & total cost
Understand the consequences of default, fees, tenure and prepayment terms before pledging property.
Documents lenders commonly ask for
- KYC of every owner and applicant
- Income proof: salary slips or ITRs with financial statements
- Bank statements
- Property title deeds and chain of ownership
- Approved building plan and latest property-tax receipts
A general list — each lender publishes its own requirements and may ask for more. Share documents only through the lender’s official channels.
Before you submit an application
- Obtain a document checklist from the lender before applying.
- Get qualified legal advice where title or property status is complex.
- Stress-test repayment affordability if income falls or rates change.
- Never rely on a verbal promise that a property type will be accepted.
Want to try other numbers? Use the EMI calculator →
Can every property be used as collateral?
No. Property type, title, location, approvals and lender policy affect acceptance. Confirm the criteria with each lender.
Is the loan amount based only on market value?
No. Lenders use their own valuation, loan-to-value limits and borrower eligibility checks.
What happens if I cannot repay?
A secured lender may have enforcement rights over the pledged property under applicable law and the loan agreement. Get independent advice if uncertain.