In a time of need, utilise your most valuable asset-your home to get quick and hassle-free funding from Muthoot Housing Finance Company Limited.

Loan Amount

Muthoot Housing offers loan amount for achieving dreams varying from
Rs 3 lakh to Rs 35 lakh.


Our loans against property are available for a maximum tenure of up to 15 years.

Loan To Value (LTV)

You can get a maximum of 50% of the value of your property as the loan amount.


The property remains mortgaged until full repayment of the loan.

Installment Calculator

Use our free and easy to use installment calculator to calculate your home loan installments.


The loan is provided against existing self-occupied residential property. You can use the loan for expanding a business, asset acquisition, meeting education, marriage and other personal expenses, and debt consolidation.


We offer loans against property to Indian citizens, salaried or self-employed.


When applying for a home loan against property you should be at least 21 years of age. At the time of loan maturation, your age should be 65 years.

Location of Property

The property against which you are taking the loan should be within the geo-limit of an MHFL branch office.


You should have a bank account. All owners of the property being financed and all individuals whose income has been considered for the loan have to be co-applicants to the loan.

Submit Documents

When applying for a home loan, you will be required to submit Government-approved address and identity proof documents. Also ensure you have the bank/ITR statements and ownership documents (if applicable).

Apply for a Loan

Add a co-applicant to your application for home loans against property. Our customer care executives help you fill the loan application and complete the process.

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Frequently Asked Questions

Muthoot Housing makes it very simple for you to get a loan against property in India. But, first check out, if you meet the eligibility criteria. Ensure, you have the required documents. The next step is to fill in the application form. You can also fill in the apply now form on our website and our customer care executive will get in touch with you as soon as possible. Otherwise, you can call our customer care directly at 1800 102 1616 or walk into the nearest Muthoot Housing branch to start the process of getting a loan. Please remember, you must be a resident of a city which has a Muthoot Housing branch to avail the loan. Further, the property should be self-occupied and all the owners must be co-applicant for the loan.
You can repay your loan against property installment directly via a bank account. You can set up an auto-debit facility. Our customer care executives will be happy to help with any queries.
Generally, you cannot use the same property as collateral for two different loans. That said, you may be able to apply for a loan against property if the existing loan is near maturity, you have a good repayment capacity and the asset value is high. If you require more information, please feel free to contact our customer care representative at 1800 102 1616 or walk into your nearest Muthoot Housing branch.

The amount of loan that you can get against a property depends on:

  • The market value of the property
  • Your ability to repay the loan
At Muthoot Housing the loan against property can be for maximum of 50% of the value of the property. The maximum loan amount that can be sanctioned is Rs. 25 lakh.
You do not need any additional security or guarantors to avail loan against property, except for the asset you are pledging as collateral.

The following charges and fees are involved when availing a loan against property in India from Muthoot Housing:

  • Administrative and Operational Cost:-
  • At the time of loan application - Rs. 5000 (non-refundable)
  • At the time of disbursement - 2% for Home Loan and 3% for LAP (of the sanction amount) minus fees paid at the time of loan application
The above charges are subject to change as per our policies. Please get in touch with a customer care executive at 1800 102 1616 or visit your nearest Muthoot Housing branch to know the charges applicable for your loan.

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