Residential or commercial real estate loans (temporary loan)
Direct Overdraft Service (DOD) (a unique overdraft service funded by guarantees with a lower monthly limit for a fixed inventory)
Property loan (for the purchase of commercial property)
Loans on rental receivables (financing proposal with a single guarantee against monthly receivables on the rental of rental property)
Business expansion
Foreign education of children
Loans versus features and benefits
Loans up to Rs 5 million
Flexible payment options
Attractive interest rates
Fast processing
Minimum documentation
Fees and charges:
Loan processing costs/set-up costs: according to the current interest matrix.
Prepayment charges: zero for variable rate loans. However, the minimum deposit must correspond to at least one EMI.
Stamp duty: according to the law of the applicable State.
Interest for late payment: 2% per month on the amount due.
Check the exchange fees: 500 / per instance.
Check the redemption fees: 750 / – per instance.
Costs per reimbursement program: 500 / – per reimbursement program.
Account statement fees: 100 / per instance.
Prepaid status fee: 100 / –
Double NOC issue costs: 100 / – for each double NOC.
Loan cancellation and supplements: 2000 / –
Legal, reimbursement and ancillary costs: on a real basis.
Document recovery costs: 500 / –
Modification fees: 0.5% of the nominal amount of the current loan.
Exchange fees: 0.5% of the nominal amount of the current loan.
CERSAI fees: 500 / –
EMI cycle change: 500 / –
ROC job creation: on a real basis.
Valuation rate: on a real basis.
Legal fees: in real terms.
Yes bank loans according to ownership criteria
Minimum income must be at least 3 lakhs per year
Minimum age: 23 years (if the income of the applicant / co-applicant is taken into account); 21 years (if the income of the applicant / co-applicant is not taken into account)
Maximum age: 60 years (if the income of the applicant / co-applicant is taken into account); 70 years (if the income of the applicant / co-applicant is not taken into account)
At least 6 months of professional experience.
At least 3 years of professional experience
Minimum cash payment of 4 lakhs per year
The minimum turnover must be 15 lakhs per year for service providers/commission income, 10 lakhs per year for doctors and 60 lakhs for non-service providers.
Minimum age: 23 years (if the income of the applicant / co-applicant is taken into account); 21 years (if the income of the applicant / co-applicant is not taken into account)
Maximum age: 60 years (if the income of the applicant / co-applicant is taken into account); 70 years (if the income of the applicant / co-applicant is not taken into account)
At least 3 years in business
Proof of identity
Proof of signature
Proof of office and home address
Financial documents:
2. Self-employed/self-employed/small and medium-sized enterprises: