a. Criteria It is a secured loan in which the rented property is the collateral. Provide loans against future expected rent. Leased property with a lease of 5 to 10 years provided with this loan. b. Borrowers The loan is provided to individuals who are salaried, professionals, or even self-employed. In the case of firms, the loan is provided to proprietorship and partnership firms, limited and private limited companies. Preferred borrowers are the owners of properties rented to known brands and corporates. So, the loan is also provided to the retail segment. c. Loan Amount The minimum amount of loan provided is between 20L to 1Cr. It varies among the loan-providing organizations. Thus, the maximum amount can go up to 10 Cr or more. One of the parameters considered while providing the lease rental discounting loan is the EMI amount. With EMI less than 80% of the rent that is received every month, the loan is provided as per the tenure. The loan amount is also decided based on the overall rental income for the expected tenure. Less than 80% of the expected amount of rental income over the tenure period is sanctioned. The tenure is less than the expiry of the lease. Another parameter used to determine the loan amount is the market value of the property. The amount of loan provided in this way is less than 70% of the property of the rented property. The maximum tenure on a lease rental discounting loan is between 10 to 15 years. It can always be less than that. d. Repayment of the Loan For the repayment of the loan, an escrow account is created in the name of the borrower. From this account, the EMI amount will be withdrawn. It is also the account in which the tenant/s will transfer their rent. The lease rental discounting interest rate is in the same range as property loans. It varies from 7% to 11%.