Loan Against Property

Be smart, make your IMMOVABLE property MOVE your business ahead or even better consolidate debt!!

Loan Against Property :

§Doorstep service
§Floating rate of interest
§Besides Salaried, Self Employed, Professionals & NRI’s, Firms and Companies can also avail
§For ANY end use except for speculative purposes
§Both on residential and commercial properties
§For purchase of commercial properties
§Balance transfer from other Finance Institutions
§Maximum Loan to Value (LTV) upto 60%
§Maximum DSR of upto 70% – highest Loan Amount in Market
§Transactional capability
§Ability to save approximately 20% – 30% on Interest & Tenure
§Lowest interest rate in market available
§From HDFC, ICICI Bank, SBI, PNB Housing Finance, DHFL, Reliance Capital
Loan Against Rent Receivable :
§Doorstep service
§Floating rate of interest
§Besides Salaried, Self Employed, Professionals & NRI’s, Firms and Companies can also avail
§For ANY end use except for speculative purposes
§Both on residential and commercial properties
§On long term lease to Corporate and Individuals (subject to bank comfort)
§Balance transfer from other Finance Institutions
§Pure rental income product also available
§Transactional capability
§Ability to save approximately 10% – 20% on Interest & Tenure
§Lowest interest rate in market available
§From HDFC, ICICI Bank, SBI, PNB Housing Finance, DHFL, Reliance Capital
Surrogates Available:
§Banking surrogate
§EMI equalizer
§Gross turnover product
§Gross receipts product
§Liquid income product
§Low loan to value (LTV) product
§Merchant establishment – LAP
§Dropline Overdraft (DOD)
§Pure rental income surrogate
Education Loan :
§Doorstep service
§Excellent terms for students opting for best Courses & Institute with good parent/applicant Profile
§Flexibility in collateral can be either residential or commercial
§Fast processing – 7-8 days for domestic and 8-10 days for international studies
§Moratorium period available for select  institutions & applicant profile
§From SBI, Credila – an HDFC Company

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