{"id":1016,"date":"2024-09-30T16:04:13","date_gmt":"2024-09-30T10:34:13","guid":{"rendered":"https:\/\/www.jashnrealty.com\/blog\/?p=1016"},"modified":"2025-11-13T12:43:09","modified_gmt":"2025-11-13T07:13:09","slug":"types-of-real-estate-mortgages-in-india-a-handy-guide","status":"publish","type":"post","link":"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide","title":{"rendered":"Types of Real Estate Mortgages in India: A Handy Guide"},"content":{"rendered":"\n<p>Buying a home in India is a dream that everyone wants to bring into reality. The rapid development of the real estate sector in the country has given rise to different types of mortgages. Now, borrowing money has become easier than ever. So, in this blog, we will discuss the types of real estate mortgages in India, eligibility criteria, and other things related to it.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide\/#Types_of_real_estate_mortgages_in_India\" >Types of real estate mortgages in India:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide\/#Home_purchase_loans\" >Home purchase loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide\/#Construction_loans\" >Construction loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide\/#LAP_Loan_against_Property_or_Property_Mortgage_Loan\" >LAP (Loan against Property) or Property Mortgage Loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide\/#Top-up_loans\" >Top-up loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide\/#Balance_transfer_loans\" >Balance transfer loans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide\/#What_are_the_documentation_and_eligibility_criteria\" >What are the documentation and eligibility criteria?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.jashnrealty.com\/blog\/types-of-real-estate-mortgages-in-india-a-handy-guide\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_of_real_estate_mortgages_in_India\"><\/span>Types of real estate mortgages in India:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_purchase_loans\"><\/span>Home purchase loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Home purchase loans are the most popular mortgage type in India. Under this type, purchasers borrow money from banks or housing finance companies to buy <a href=\"https:\/\/www.jashnrealty.com\/3-bhk-flats-in-lucknow\">residential apartments<\/a>.<\/p>\n\n\n\n<p>Usually, the tenure of home loans varies from 10 years to 25 years based one one\u2019s eligibility. Borrowers can take tax benefits on home loan interest rates up to Rs 2 lakh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Construction_loans\"><\/span>Construction loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Plot owners who want to construct a home on their land can leverage construction loans. These are mortgages in which banks provide the loan to cover the <a href=\"https:\/\/www.jashnrealty.com\/blog\/an-in-depth-insight-into-the-cost-of-constructing-a-house-in-india\">construction cost<\/a>. Unlike other loans, this loan type offers the amount in a phase-wise manner or construction-linked disbursement. The amount is paid as the construction progresses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"LAP_Loan_against_Property_or_Property_Mortgage_Loan\"><\/span>LAP (Loan against Property) or Property Mortgage Loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>LAP is also known as the property mortgage loan. Under this loan type, homeowners or property owners can borrow money from banks against their property. Choosing such a loan also ensures that the person remains the owner either fully or partially as per the terms. The property is pledged as the security to obtain the loan.<\/p>\n\n\n\n<p>Borrowers can take out LAP on residential, rental, and commercial properties. Also, the rate of interest is usually cheaper than the home loan mortgage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Top-up_loans\"><\/span>Top-up loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Top-up loans allow borrowers to take an additional mortgage on their existing loan. A top up loan can be used for home renovations, expansions, repairs, and other needs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Balance_transfer_loans\"><\/span>Balance transfer loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Under this loan, borrowers can transfer their existing loans from one bank to another. The foremost use of this loan is to <a href=\"https:\/\/www.jashnrealty.com\/blog\/how-to-reduce-home-loan-interest-rates\">reduce home loan interest rates<\/a>. The new lender may provide flexible loan terms, lower EMIs, and other benefits if the borrowers transfer their loans from other banks to theirs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_documentation_and_eligibility_criteria\"><\/span>What are the documentation and eligibility criteria?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Make sure you fulfill these eligibility and documentation criteria to obtain any of the earlier-mentioned real estate mortgages.<\/p>\n\n\n\n<ul>\n<li>The applicant should be between 21 and 65 years old.<\/li>\n\n\n\n<li>The borrowers\u2019 income status should maintain a regular flow of income, ensuring repayment capacity.<\/li>\n\n\n\n<li>Borrowers should maintain a flawless credit score for easily loan approvals.<\/li>\n\n\n\n<li>Borrowers should have all the property-related documents such as, sale deed, encumbrance certificate, title deed and other to prove ownership. Check the list of documents required from your side.<\/li>\n\n\n\n<li>Borrowers also need to submit bank statements, proof of address, and proof of identity to the bank before obtaining a mortgage.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Having a thorough understanding of mortgages in Indian real estate is essential. You can make informed decisions based on your knowledge of these mortgage types, eligibility criteria, interest rates, repayment options, and documentation requirements. The more informed you are, the better decisions you will make.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a home in India is a dream that everyone wants to bring into reality. The rapid development of the real estate sector in the country has given rise to different types of mortgages. Now, borrowing money has become easier than ever. So, in this blog, we will discuss the types of real estate mortgages [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1018,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[220,221],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - 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