Smart Borrowing Starts Here – Today Finserv Mortgage Loan
- akstopseo
- Jun 2
- 4 min read
Would you like to help your personal or business needs without having to liquidate an asset? Today Finserv offers the best solution with their mortgage loan. Whether you want to pay for an educational course, run a business, manage a medical emergency, or consolidate debts, Today Finserv mortgage loan solutions are reliable, flexible, and affordable.
Defining a Mortgage Loan
A mortgage loan, or loan against property (LAP), is a secured loan in which an individual pledges his/her residential or commercial property as collateral in exchange for funds. The borrower can continue to use and enjoy the property, but a lien is placed by the lender until the funds advanced are paid in full.
What distinguishes Today Finserv from the rest?
In the midst of competitive lenders, Today Finserv stands out with their customer-first approach, low-interest offers, and streamlined process to access funds. Here are more reasons to pick Today Finserv:
Enhanced Loan Limits: Access loans between ₹5 crores and more, granted you qualify with your property value and other determining factors.
Low-Interest Loans: Starting from 8.75% p.a.*
Lenient Payment Period: From 5-20 years to repay the loan.
Minimal Documentation: All paperwork and approvals done faster.
Use Funds Freely: No limitation on the purpose of the loan, whether personal or business.
Features of Today Finserv Mortgage Loan
Loan Amount: Ranges from ₹5 lakhs to ₹5 crores.
Interest Rate: 8.75% p.a.* and above.
Loan Tenure: Between 5 - 20 years.
Processing Time: 3 - 7 working days for approval and disbursement of the loan.
Loan Type: Term loan, overdraft, or balance transfer.
Top-up Loans: More funds can be added to existing mortgage loans.
Prepayment Charges: None for individual borrowers as long as they have a floating rate loan.
Eligibility standards
If you wish to apply for a Today Finserv mortgage loan, you need to comply with the following eligibility criteria:
Criteria: Salaried Individuals | Self Employed Individuals
Age: 25 - 60 years | 25 - 65 years
Income: Minimum ₹25,000/month | Minimum ₹3 lakhs/year
Property Type: Residential or Commercial for both
Credit Score: 700+ (preferable) for both
Employment Status: Minimum 2 years in current job for salaried and At least 3 years in business for self-employed
Documents Needed
Here’s a list of documents that you will require in order to make an application:
Identity proof: (Aadhaar, PAN card, Voter ID card)
Address proof: (Utility bills, Passport)
Income proof: (Salary slips/ITR)
Bank statements: (last 6 months)
Property documents: (Title deed, tax receipts)
Employment proof: Business continuity proof
Procedure to apply for Today Finserv Mortgage loan
Applying for a mortgage loan from Today Finserv is simple and straightforward:
Begin by filling out the mortgage loan form on the Today Finserv website.
Upload or submit documents as needed.
Wait for your property and financial details to be verified.
A mortgage loan from Today Finserv enables you to leverage the value locked in your property. Its low processing rates and interest, flexible repayment plans, and competitive rates make it suitable for self-employed professionals and salaried individuals alike.
Be it personal aspirations or burgeoning business plans, the mortgage loan from Today Finserv enables you to achieve them all while retaining ownership of the asset.
FAQs
What is the maximum loan amount I can get from Today Finserv?
Your loan amount is contingent upon the value of the property, your earnings, and your ability to repay the loan. As a rule of thumb, the amount you can obtain is approximately 60% to 70% of the property’s market value, up to ₹5 crores or more.
How long does it take for the loan to be sanctioned?
In most cases, we process and approve loans within 3 to 7 working days after all the necessary documents are submitted and verified.
What type of properties are accepted as collateral?
Both residential and commercial properties are accepted by Today Finserv. These include self-occupied houses, rented houses and office spaces.
Do I need a guarantor?
Not at all. Mortgage loan are offered against property and will not require a guarantor unless the credit profile is weak.
What happens if I default on the mortgage loan?
In the event of defaulting a payment, Today Finserv has the right to auction the mortgaged property to recover dues once all legal processes have been followed.
Can I prepay the loan before the tenure ends?
Yes, under certain conditions, Today Finserv allows part or full prepayment of loans with no fees incurred for floating rate loans under personal names.
Can I add on to the existing mortgage loan?
Yes, depending on your repayment history, you may qualify for a top-up loan without the need to secure additional property.
What is the interest rate for today Finserv mortgage loan?
Interest rates begin at 8.75% p.a., and are subject to change based on your profile, property value, income, and credit score.
Can NRIs apply for a mortgage loan?
Currently, mortgage loans from Today Finserv are mostly for resident Indians. Please visit the nearest branch for NRI options.
Is balance transfer available?
Yes. You can transfer your existing mortgage loan to Today Finserv and receive a lower interest rate, in addition to being eligible for a top-up loan.
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