Mortgage Loan

Your property is one of your most valuable investments—why not let it work for you? At WES BEN ENTERPRISES PVT LTD., our Mortgage Loan (Loan Against Property) allows you to leverage the market value of your residential or commercial property to access high-value financing.

Unlike specific-purpose loans, a Mortgage Loan offers no end-use restrictions. Whether you’re looking to infuse capital into your business, fund higher education abroad, or manage a large-scale personal expense, we provide the liquidity you need at lower interest rates and with extended repayment tenures.

Why Choose a Mortgage Loan?

A Loan Against Property (LAP) is often the smartest way to borrow large sums while keeping your monthly outgoings manageable.

Lower Interest Rates:As a secured loan, LAP typically offers much lower rates than unsecured personal or business loans.
Higher Loan Quantum:Access a significant percentage of your property’s market value.
Extended Tenure:Enjoy longer repayment periods, making your EMIs easy on the pocket.
Retain Ownership:Continue to use or occupy your property while the loan is active.

Eligibility Criteria

We aim to make the application process as accessible as possible for both salaried and self-employed individuals.

Nationality:Open to Indian citizens (NRI applications may be considered based on specific criteria).
Age Bracket:Minimum 23 years at the time of application and up to 65 years at the time of maturity.
Employment Status:Applicants must be earning individuals. Unemployed family members may join as co-applicants to strengthen the application.
Professional Stability:
- Salaried:Minimum 3 years of total work experience.
- Self-Employed:Minimum 5 years of continuity in the current business or profession.
Credit Profile:A credit score of 750+ is preferred for optimal terms. However, we also consider applicants with lower scores at adjusted interest rates.

Documentation Checklist

Category	Documents Required
Identity Proof	PAN Card, Aadhaar Card, Passport, or Driving License.
Address Proof	Utility Bills (Electricity), Voter ID, Passport, or Rent Agreement.
Salaried Financials	Last 3 months’ salary slips and 6 months’ bank statements.
Self-Employed Financials	Business Registration Proof, ITR, and Practice License (for professionals).
Property Documents	Original Sale Deed, Title Deeds, and Ownership Transfer documents.
Photographs	Recent passport-size colored photographs.