"Leverage residential or commercial real estate assets to obtain substantial capital for business expansion, weddings, medical emergencies, or debt consolidation."
Your real estate assets represent immense locked wealth. Backed by 16 years of banking sector authority, Sujan Singh Thakur structures high-value Mortgage Loans (LAP) up to 70%–75% of your property value at competitive interest rates—providing liquid capital with extended repayment flexibility up to 15–20 years.
Receive multi-bank mortgage assessment and pre-audited valuation directly from ex-bankers.
Estimate your maximum borrowing capacity against your property valuation, along with prospective monthly EMIs and total interest payable.
Based on 65% LTV Valuation
No upfront evaluation fee. Complete confidential pre-audit.
Whether you own self-occupied residential property, leased commercial offices, or factory land, we tailor mortgage structures according to your cash flow requirements.
Highest LTV (Up to 70%–75%) & Lowest Rates
Mortgage your self-occupied independent house, duplex villa, or apartment flat. Offers the lowest interest rates in the secured category with extended repayment tenures up to 20 years.
Shops, Showrooms, Corporate Offices & Plazas
Monetize your commercial retail showroom, SCO, office floor, or retail outlet. Unlocks significant liquidity to reinvest in business expansion or acquire new operational assets.
Manufacturing Units, Sheds & Logistics Hubs
Specialized institutional mortgage financing against manufacturing units, industrial land, and storage warehouses located inside approved industrial zones and state IDC parks.
Pay Interest Only on Utilized Amount
Instead of taking a lump-sum term loan, set up a continuous Overdraft credit line against your property. Deposit surplus sales cash to save interest and withdraw funds whenever required.
Replace 18%-24% Debts with a Single 9% Mortgage
Eliminate the suffocating burden of scattered personal loans, business overdrafts, and credit card dues. Consolidate them all into one manageable, low-interest mortgage loan.
Reduce Ongoing Rate & Unlock Fresh Capital
Transfer an existing mortgage loan from an expensive NBFC (paying 12%–14%) to a premier nationalized bank at 9.25% with substantial additional top-up funds based on new valuation.
Unsecured business or personal loans carry exorbitant interest rates (14%–22%) with suffocating short tenures of 3 to 5 years. By using your property as collateral, you slash your monthly financial strain by more than half!
Mortgage loans start at competitive rates of 9.00% to 10.50% compared to 16% to 24% for unsecured credit products.
Get up to 15 to 20 years to repay, making your monthly installment comfortable and freeing up essential monthly operating capital.
Unsecured loans rarely exceed ₹25 to ₹40 Lakhs. With LAP, you can easily raise ₹1 Crore to ₹15+ Crores depending on property valuation.
5-Year Maximum Tenure • Monthly EMI: ₹ 1,22,940
Total Interest Paid: ₹ 23,76,400 • Heavy drain on monthly cash flows
15-Year Flexible Tenure • Monthly EMI: ₹ 51,472
Saves ₹ 71,468 in monthly cash outflow burden!
Sujan Singh Thakur coordinates directly with senior underwriting teams across India's top mortgage providers to secure concessional rates and relaxed eligibility.
| Financial Institution | Max LTV Ratio | Max Tenure | Facility Types | Advisory Advantage |
|---|---|---|---|---|
| SBI State Bank of India | Up to 65% - 70% | 15 Years | Term Loan / Suraksha LAP | Lowest sovereign rates; daily reducing balance formula |
| BOB Bank of Baroda | Up to 75% | 15 - 20 Years | Baroda Mortgage / OD | Overdraft limit linked with current account; zero prepay penalty |
| PNB Punjab National Bank | Up to 65% | 15 Years | PNB MyProperty Scheme | High acceptance for commercial & mixed-use properties |
| HDFC HDFC Bank | Up to 70% | 15 Years | Term Loan & Drop-Line OD | Fast digital processing; flexible banking-based surrogate norms |
| LIC LIC Housing Finance | Up to 65% | 15 Years | Griha Suvidha Mortgage | Ideal for self-employed with high age tolerance up to 70 years |
| ICICI ICICI Bank | Up to 70% | 15 Years | Express Mortgage OD | Pre-approved limits; instant sanctioning for ongoing account holders |
Property mortgages involve legal searches and physical civil valuations. We coordinate every stage to avoid delays and guarantee smooth execution.
We review your property chain deeds, sanctioned plans, and CIBIL score to ensure zero title defects before login.
Empanelled civil engineers visit your site for market valuation, while bank advocates execute a 30-year title search.
File assessment by senior credit underwriters to release a written sanction letter specifying lowest ROI and loan quantum.
Execution of loan agreement and registration of equitable or simple mortgage (MODT) at the local sub-registrar office.
Loan funds credited directly into your bank account or Overdraft drawing power activated for business operations.
Both financial income documents and technical property papers are required for loan against property approval.
Collected hassle-free at your office or residence
Registered Sale Deed, Conveyance Deed, Gift Deed, or Lease Deed in favor of the applicant.
Complete backward chain documents establishing unbroken legal ownership for the past 13 to 30 years.
Municipality / Development Authority approved layout plan and completion certificate (CC/OC).
Latest paid Property Tax receipts, Electricity Bill, and Mutation / Jamabandi records.
Key criteria assessed across public & private banks
Consult Sujan Singh Thakur for 100% unbiased multi-bank comparison & lowest mortgage interest rates.
