Mortgage loan is availed to grow business, renovation home, and medical expenses, reduce debts of unsecured loans, etc. Mortgage loans criteria are very different for all banks and for all NBFC. Nationalized banks give maximum 55% (not including SME or project loan) of Market value. Beside Multinational banks do up to 65% of Market value. And NBFC goes up to 75% of market value. Rate of interest are differ as per bank. Mortgage loans are offered for small tenure to long tenure. You can avail it by your financial capacity and your age limit for 5 years to 15 years. You can also restructure your mortgage loan by doing part payment or extra payment. Both two option are always open for your loan firstly to reconstruct you loan tenor or secondly reconstruct your EMI. After 12 EMI every banks and NBFC offers top up loan as per market value and as per financial capacity.