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Mortgage Loan

RStC Bank offers Loan Against Property to Salaried or Self Employed resident individuals in order to meet immediate cash requirements. Flexible and quick loan options.

Product Features
  • Loan amount of upto Rs.35 lakhs
  • Convenient loan repayment option of upto 120 months
  • Both residential and commercial property accepted as collateral
  • Avail loan upto 90% of your property value
  • Minimal documentation and faster approvals
  • Attractive interest rates
  • Fixed and floating rate of interest available
  • Select as loan or as OD limit facility

Elligibility & Loan Criteria
  • Loan Against Property can be availed by salaried individuals, self-employed individuals, self-employed professionals, sole proprietorships, partnership firms.
  • Loan Against Property can be offered to Residents of Rajasthan only
  • Minimum age at loan sanction – 18 years. Maximum age at loan maturity – lower of 60 years or retirement age
  • Guaranter Required

List of Documents Required
  • PAN Card – For Individual / Partnership Firm
  • Identity Proof – Any one (e.g. Voter ID / Driving License / Passport)
  • Address Proof – Any one (e.g. Voter ID / Driving License / Passport / Telephone Bill / Electricity Bill / Registered Lease Deed or Sale Agreement / Bank Statement)
  • Business Continuity Proof – Any one document dated 5 years old (Bank Statement / Sales Tax Challans / IT Returns / Shops & Est. Certificate / COI / Partnership Deed)
  • Passport Size Photographs
  • Original Documents of Property

List of Financial Documents Required
For Salaried
  • Last 3 years Income tax returns or latest 6 month salary slip or latest form 16 issued by the employer
  • Six months bank statement required with salary credits


For Self-Employed Individuals / Sole Proprietorships
  • Latest audited ITR and financials for the last 3 years (Balance Sheet, Profit & Loss A/c., Computation of Income along with all schedules.)
  • Bank statements from the borrower's main account/s for last 6 months and 3 months of all other bank accounts mentioned in the Balance Sheet


For Self-Employed Professionals
  • Latest audited ITR and financials for the last 3 years (Balance Sheet, Profit & Loss A/c., Computation of Income along with all schedules.)
  • Bank statements from the borrower's main account/s for last 6 months and 3 months of all other bank accounts mentioned in the Balance Sheet
  • Professional qualification certificate and Degree certificate for professionals (Doctors, Architects, Chartered Accountants etc.)


For Partnership Firms
  • Latest audited ITR and financials for the last 3 years (Balance Sheet, Profit & Loss A/c., Computation of Income along with all schedules.)
  • Bank statements from the main account/s for last 6 months and 3 months of all other bank accounts mentioned in the Balance Sheet
  • Partnership Deed and partnership authority letter for partnership firms

Mortgage Loan

* Terms and Conditions apply.
** For more information contact to your nearest branch
***All loans at the sole discretion of RStC Bank

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