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Over Draft Loan

Over Draft Loan is a secured loan. If you own residential or commercial property you could utilise the value of the same by opting for a equitable mortgage loan. The property papers are taken as security for a loan at a much lesser rate than personal loan. The ownership of the property is retained by you.In case of inability to repay the loan the property could be disposed off to repay dues. Normally Over Draft Loan is taken for a long term for working capital,expansion, repay expensive personal loans etc.You could also opt for a overdraft facility, which is renewed ever year. Loan amount could range from Rs.5 lakh to Rs.5 Cr. Loan tenor could extend upto 15 years . Eligibilty depend on your income and the market value of the property. Rate of interest could range between 12% to 15%.

 

 

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