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Loan Against Property

SMC Finance brings the trust and expertise of the SMC Group into the world of financial services. In our product offerings, we are pleased to present Loans against property. With attractive interest rates, transparency in dealings, quick disbursement and minimal paper work, it’s our way of taking you a step closer towards fulfilling your dreams come true.

The multi-purpose loan put funds at your disposal to use as per your need. What’s more, this loan is available at a reasonable rate and can be repaid comfortably over 15 years time.


  • For your business or personal needs
  • Property can be residential or commercial
  • Fixed rate of interest
  • Flexible loan offerings – EMI based loan
  • Overdraft facility available
  • Loans amount ranging from Rs. 10 lakhs to Rs. 5 crores
  • Security is a first charge by way of an equitable / registered mortgage of the property and/ or such other collateral securities as may be deemed fit by SMC Finance.


  • Attractive rate of interest
  • Quick turn-around time
  • Part payment facility also available.
  • Hassle-free documentation process
  • Professional and transparent approach

Need A Loan

* Indicates Mandatory fields


  • An Indian Residents
  • LTV upto 70% of the valuation report given by designated value
  • Above 18 years of age at the commencement of the loan
  • Income / cash flows to establish source of repayment.
  • Maximum age of 65 years when the loan matures
  • Clear Marketable Title over property.
  • Both for salaries and self-employed

Service Charges

  • Nominal processing fees
  • Legal and valuation charges at actual
  • Cheque bounce charges Rs. 750/-
  • Stamp Duty / Registration Charges – as per actual
  • Cersai registration fees + service tax as applicable


  • Application form.
  • Loan agreement.
  • Mortgage Deed.
  • FATCA Declaration.
  • Basic KYC Documents.
  • Copy of property papers to be mortgaged.
  • Income documents & Bank statement.

Terms & Conditions

  • The property must be free from any encumbrances.
  • The property must be mortgagble.
  • The loan amount is subject to the valuation of the property.
  • All property papers in original has to be with the customer at the time of loan proposal and needs to be submitted to us before disbursement.
  • The loan funding depends upon validity of title documents of the said property and its current market value.
  • The Loan to value on residential Property is upto 75% and against commercial property is upto 70%.

About SMC

Established in 1990, SMC is one of the leading and well-diversified financial services companies in India offering services across brokerage (across the asset classes of equities (cash and derivatives), commodities and currency), investment banking, wealth management, distribution of third party financial products, research, financing, depository services, insurance broking and clearing services and real estate advisory services to corporate, institutional, high net worth individuals and other retail clients.

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serving over
18 Lac
unique clients
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Workforce of
Presence in500+ cities & oversease offices in Dubai
large network of
2,500+ sub-brokers & authorised persons
secure wallet
Cumulative AUM under Mutual Funds 3,000+ crores
*As on 31st March 2018


What is Loan against Property?
Loan against property is a loan given by creating mortgage over any of your property.
What are the properties against which Loan can be availed?
You can avail the Loan against the following properties:
  • Loan Against Commercial Property
  • Loan Against Residential Property
  • Loan Against Plot
  • Lease Rental Discounting
What is the maximum amount I can borrow?
In general the maximum amount can be borrowed against residential property is up to 75% and against commercial property is up to 70%. However the loan amount varies case to case basis as it depends upon other factors as well.
When will the loan be disbursed?
Disbursement only be made after credit, technical and legal appraisals of the property have been done, besides execution of loan documents and creation of mortgage over property be made either by deposit of original property documents or by registered mortgage or by both has been completed.
Can I repay the loan ahead of schedule?
Yes repayment of loan in full or part can be made ahead of schedule. Early redemption or foreclosure charges will be applicable as per schedule in Loan agreement.

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SMC Global Securities Ltd: SEBI Reg. No. INZ000199438, Member: BSE (470), NSE (07714), MSEI (1002), NCDEX (00021) & MCX (8200). DP SEBI Regn. No. CDSL/NSDL-IN-DP-130-2015, SMC Research Analyst Registration- INH100001849 Mutual Funds Distributor ARN No. 29345. SMC Insurance Brokers Pvt. Ltd. IRDAI Regn. No: DB 272/04 License No. 289 Valid upto 27/01/2026. • Real Estate Advisory services are offered through SMC Real Estate Advisors Pvt. Ltd.

Registered Office:11/6B, Shanti Chamber, Pusa Road, Delhi-110005. CIN : L74899DL1994PLC063609 Tel +91-11-30111000 . For any complaints email –, website: Disclaimer: Investments in securities market are subject to market risks, read all the related documents carefully before investing. PMS is not offered in commodity derivative segment. Insurance is the subject matter of solicitation.


Toll-free : 1800-11-0909

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