About Rupascapitalservices
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Loan Against Property
Mortgage Loan


A mortgage loan, also known as a loan against property, is a type of secured loan where the borrower pledges their property as collateral. If the borrower fails to repay the loan, the lender can take possession of the property and sell it to recover the loan amount. Mortgage loans are typically used for large expenses such as business funding, consolidating debt, or financing education.

A salaried employee or a business professional can apply for this loan who are in the age range of 21 to 65 years. For salaried individuals, the following documents are required:
Proof of both Identity and Residence
  • PAN Card
  • Passport
  • Voter ID
  • Driving License
 Proof of Income
  • Last 3 months’ Salary slips
  • Last 6 months’ Bank Statements
  • Latest Form-16
  • IT Returns
 Property-related documents
  • Title Deeds including the previous chain of the property documents
  • Proof of no encumbrances on the property
  • Approved plan (if applicable)
 Other Documents
  • Employment Contract / Appointment Letter in case current employment is less than year old
  • Last 6 months’ Bank Statements showing repayment of any ongoing loans
  • Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across
  • Declaration and documents clearly stating the end use of the loan
  • Own Contribution Proof

For self-employed professionals, the following documents are required:

 Proof of both Identity and Residence
  • PAN Card
  • Passport
  • Voter ID
  • Driving License
 Address Proof for both Office and Residence
  • Rental Agreement copy or
  • Lease Agreement
  • Electricity Bill
 Ownership Proof
  • Agreement Copy or
  • Electricity Bill or
  • Maintenance Bill or
  • Municipal Tax Bill or
  • Share Certificate
 Business Continuity Proof
  • Shop and Establishment Certificate
  • Tax Registration Certificate
 Firm Constitution
  • MOA
  • AOA
  • Partnership Deed
  • GST Registration Certificate
  • Form 32
 Financial Statements
  • Last 3 years audited financial statements
  • Last 3 years Tax Audit Report
  • Latest GST Returns
  • Breakup of secured and unsecured loans
  • Existing loan sanction letters
  • Last 1 year Bank Statement

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