Owning a dream property for residential or commercial use is the dream of every person. But many can afford to make the cash down payment and many cannot. The buying of property often gets delayed or deferred due to absence or shortage of monetary funds. National as well as many multinational banks offers property loans with great ease and convenience. The loans are offered at extremely competitive interest rates and with efficiency and good organizations. This will definitely make a property buyer’s dream come true. The contemporary property scenario is that of high and further rising Indian property prices. This high rising can be primarily attributed to the easy availability of loans that enhance the purchasing capacity of the buyer. Indian properties are gaining stature due to this spiraling real estate situation. Middle class people are striving hard to achieve a respectable standard of living and first step towards this is to get hold of their dream house/property. This justifies the fact that maximum property- loan lenders belong to middle strata. Property loan has become a hot cake that finds its takers immediately. This is due to the fact that interest rates of property are ebbing or have been stable over past several years. Property loans are sought after due to promising condition of property market and competitive interest rates offered by the banks.