Mortgage Loan

Vanakkam Enterprises — Chennai

Mortgage Loan

At Vanakkam Enterprises, we offer reliable and customer-friendly Mortgage Loan solutions that help you unlock the financial power of your property. Whether you need funds for business growth, personal requirements, medical needs, education, or debt consolidation, our mortgage loan services are designed to provide high-value funding at competitive interest rates with complete transparency. With strong experience in the loan sector and a commitment to customer satisfaction, Vanakkam Enterprises stands as a trusted financial partner in Chennai, offering fast processing, flexible repayment, and doorstep support.

A Mortgage Loan allows you to pledge your property—residential, commercial, or industrial—to secure a loan. You retain ownership of the property while gaining access to substantial funds at affordable rates. It is one of the safest and most convenient ways to meet medium to long-term financial needs.

Types of Mortgage Loans We Offer

Vanakkam Enterprises offers customized your financial needs:

Residential Property Mortgage

Get funds by mortgaging your house or apartment. Perfect for personal needs such as education, medical expenses, weddings, or home improvement.

Commercial Property Mortgage

Use your office space, shop, or commercial building to raise funds for business expansion, working capital, or investments.

Industrial Mortgage Loan

Mortgage industrial land or factory units to secure high-value loans ideal for business scale-up, machinery purchase, or industrial upgrades.

Mortgage Loan on Land / Plot

Get funding against approved residential or commercial land with clear and valid ownership documents.

Benefits of Loan Against Property with Vanakkam Enterprises

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  • Competitive Interest Rates We offer lower and affordable rates to reduce your EMI burden.
  • High Loan-to-Value (LTV) Get substantial loan amounts based on current market value of your property.
  • Fast Loan Approvals Quick verification, valuation, and processing for faster fund disbursal.
  • Flexible Tenure Options Choose repayment periods that fit your financial comfort.
  • Trusted Guidance Our experts assist you throughout the entire process—from evaluation to disbursal.
  • Transparent ProcessClear communication and no hidden charges.
  • Eligibility Criteria

    Vanakkam Enterprises ensures a simple and easy eligibility process:
    • Indian resident owning a residential, commercial, or industrial property
    • Salaried, self-employed, professionals, and business owners
    • Stable income source
    • Clear property documents
    • Age: 21 to 65 years
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  • Documents Required

    We ensure a smooth process with minimal documentation:
    • Aadhaar Card / PAN Card
    • Address Proof
    • Income Proof (Salary slips / ITR / Bank statements)
    • Business Proof (for self-employed)
    • Encumbrance certificate
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Faq’s

Read Questions & Answers

  • 01What is a mortgage loan?

    A mortgage loan is a secured loan where you pledge your residential, commercial, or industrial property as collateral to get funds for personal or business needs.

  • 02How much loan can I get?

    The loan amount depends on the market value of your property, your income, and repayment capacity. Generally, lenders offer up to 60%–70% of the property value.

  • 03What type of property can be mortgaged?

    You can mortgage houses, flats, plots, commercial buildings, shops, offices, and industrial properties with clear ownership and valid documents.

  • 04How long does it take to get loan approval?

    With proper documentation, the process typically takes 2–5 working days, including valuation and verification.

  • 05Can I continue to use the property during the loan?

    Yes. You remain the legal owner of the property and can continue to occupy or use it normally during the loan tenure.

  • 06What documents are required?

    You’ll need ID proof, address proof, bank statements, income proof, and property documents such as title deed, EC, tax receipts, and approved building plan.

  • 07Can I prepay or close my loan early?

    Yes, most lenders allow prepayment or foreclosure, though charges may vary. We help you choose lenders with minimal or zero charges whenever possible.