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Individual Borrower

Floating Rate Loan

Fixed or Dual Rate Loan

No prepayment or foreclosure charges are applicable for partial or full prepayments on floating rate loans.

Prepayment charges of:
- 5% of the prepaid amount during the first 2 years
- 3% thereafter
may be applicable during the fixed interest rate period, unless specified otherwise in the loan agreement.
No prepayment charges apply once the loan transitions to a floating interest rate.

Non-Individual Borrower

Floating Rate Loan (MSE)

Floating Rate Loan (Others)

Fixed or Dual Rate Loan

No prepayment charges are applicable for loans taken for business purposes under MSE classification.

No charges for prepayments up to 25% of principal outstanding within a 12-month period
Charges apply only on the amount exceeding this threshold

Prepayment charges applicable:
5% during first 2 years
3% thereafter
Charges are applicable during the fixed interest rate period and as per the loan agreement.

Pre-payment / Foreclosure Charges

Important Notes

Charges may vary based on loan agreement

Applicable taxes will be levied as per regulatory guidelines

Why Choose Sammaan Capital

Sammaan At Our Core And Actions Sammaan Capital stands as a trusted partner, respecting and nurturing millions of dreams of home and business. With us, every handshake is a promise, and every loan a foundation of respect for uniting dreams with opportunities for all.

WE'VE HELPED OVER

1.4 Million+ users

with their Loan Against Property requirements

Leading Mortgage-Focused

NBFC in India

200+

Offices Nationwide

10k+

Approved Projects

25+ Years

Housing Finance Expertise

Real Stories From Real Loan Against Property Customers

4.7 /5

Minimal paperwork, maximum trust

Sammaan Capital helped me get my required loan amount with minimal paperwork and very little guarantee from my side.

Prakash, 42 Years Old

Aurangabad

4.8 /5

Quick approvals for the home you deserve

Sammaan Capital helped me buy a 2BHK home. The loan process was very easy with very less paperwork and was approved in really quick time.

Saurabh, 34 Years Old

Bangalore

5 /5

Trust that fuels business growth

Sammaan Capital trusted my journey and approved my required loan amount with limited funding. I sincerely thank Sammaan Capital for believing in me and helping my business grow.

Komal, 42 Years Old

Delhi

5 /5

A home, built on trust and support

Sammaan Capital fulfilled mine as well as my parents’ long‑standing wish of owning a home with ease. Their team was supportive, transparent, and handled the entire process smoothly without unnecessary hassle

Davinder, 42 Years Old

Aurangabad

5 /5

Turning your own land into a happy home

Sammaan Capital helped us to build our own house on our own land without any stress. The loan process was very easy and the employees were very supportive to process my loan.

Radhakrishna, 49 Years Old

Visakhapatnam

Frequently Asked Questions

Loans, eligibility, EMIs, documents, process, and support—explained simply.

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Looking For A Loan Against Property?

Looking for personalized help with your loan against property? Stop by your nearest Sammaan branch where our relationship managers are ready to assist you with your application.

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