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Frequently Ask Questions

You can apply for a loan through our website by filling out an online application form, providing the required information, and selecting the type of loan you need.

Eligibility criteria vary among lenders but typically include factors such as income, credit score, age, employment status, and loan-specific requirements.

The loan amount you can borrow with a loan against property depends on factors such as the value of the property, loan-to-value ratio, and the Banks and lenders policies. Generally, Banks and lenders offer a percentage of the property's value as the loan amount.

Yes, our website allows you to compare loan options from different lenders, including interest rates, repayment terms, and other relevant details.

Our loan website is free to use, and we do not charge any fees for accessing loan information or submitting loan applications.

We prioritize the security and confidentiality of your personal and financial information, implementing robust measures to protect your data.

We have a network of over 100+ banks and NBFCs connected to our loan website.

Our team is available to provide assistance and guidance throughout the loan process, helping you choose the loan that best suits your needs.

We collaborate with a diverse range of lenders, which enables us to offer competitive interest rates on loans, ensuring that you get favorable terms and rates.

We strive to simplify the loan application process and work with lenders who offer loans with minimal documentation requirements, making the process more convenient for you.

HOME LOAN FAQs

A home loan is a type of loan provided by banks or lenders to help individuals finance the purchase of a home. It is repaid in monthly installments over a specified period, including principal and interest.

Eligibility criteria for a home loan typically include factors such as income, credit score, employment stability, age, and property value.

Yes, many lenders offer home improvement loans specifically for renovation or repair purposes. These loans may have different terms and conditions compared to regular home loans.

The repayment tenure for a home loan typically ranges from 5 to 30 years. Some lenders allow prepayment of the loan, either partially or fully, but it may be subject to prepayment charges or conditions.

Yes, it is possible to transfer your existing home loan to another lender through the process known as loan refinancing or balance transfer. This allows you to benefit from better interest rates or terms offered by the new lender.

If you are unable to repay your home loan on time, it may lead to penalties, increased interest rates, or even legal actions such as foreclosure or repossession of the property. It's important to communicate with your lender to explore possible solutions.

Yes, self-employed individuals and freelancers can apply for home loans. They may need to provide additional documents like income tax returns, financial statements, and business proof to establish their income stability.

The process and time taken for home loan approval and disbursal vary among lenders. Generally, it involves submitting the required documents, property valuation, credit check, and legal verification. The timeline can range from a few days to a few weeks.

Having existing loans or debts may impact your eligibility and loan amount. Lenders consider your debt-to-income ratio to determine your repayment capacity. It's advisable to manage your existing debts before applying for a home loan.

The amount of home loan you can get depends on factors like your income, credit score, and the lender's policies. Generally, lenders offer home loans with EMI (Equated Monthly Installments) up to 40-50% of your monthly income.

BUSINESS LOAN FAQs

A business loan is a type of loan designed to provide financial support to businesses for various purposes such as expansion, working capital, equipment purchase, or inventory management. It is repaid in regular installments over a specified period.

The amount of business loan you can get depends on factors like your business's financial statements, revenue, profitability, and the lender's policies. Generally, lenders offer loans based on a percentage of the business's annual turnover or projected income.

Eligibility criteria for a business loan typically include factors like the business's creditworthiness, revenue, profitability, years in operation, and the owner's personal credit history.

The repayment tenure for a business loan varies among lenders but typically ranges from 1 to 5 years. Some lenders allow prepayment of the loan, either partially or fully, but it may be subject to prepayment charges or conditions.

While eligibility criteria may vary among lenders, certain high-risk industries like gambling, speculative investments, or illegal activities may face difficulty in obtaining a business loan. It's best to check with the lender for specific exclusions.

If you are unable to repay your business loan on time, it may lead to penalties, increased interest rates, or legal actions such as asset seizure or bankruptcy proceedings. It's important to communicate with your lender and explore possible solutions.

Having existing loans or debts may impact your eligibility and loan amount. Lenders consider your debt-to-income ratio and repayment capacity. It's advisable to manage your existing debts before applying for a new business loan.

The approval and disbursal time for a business loan can vary among lenders. It typically involves submitting the required documents, credit evaluation, and verification processes. The timeline can range from a few days to a few weeks.

We don’t charge you any fees but banks and NBFCs can charge you fees associated with a business loan, including processing fees, documentation charges, loan origination fees, or prepayment penalties. It's important to understand these charges before applying for the loan.

Yes, business loans are available for partnerships or businesses with multiple owners. Each owner may need to provide personal and business-related documents and may be considered as co-borrowers or guarantors for the loan.

WORKING CAPITAL LOAN FAQs

A working capital loan is a short-term loan designed to provide businesses with funds to manage day-to-day operations, cover operational expenses, purchase inventory, or meet short-term cash flow needs.

Eligibility criteria for a working capital loan typically include factors like the business's revenue, profitability, creditworthiness, years in operation, and the owner's personal credit history.

The amount of working capital loan you can get depends on factors like your business's financial statements, revenue, profitability, and the lender's policies. Generally, lenders offer loans based on a percentage of the business's annual turnover or projected income.

Generally, documents such as business registration documents, financial statements, bank statements, income tax returns, business plan, and KYC (Know Your Customer) documents of the business owners are required when applying for a working capital loan.

Yes, working capital loans can be used for various purposes like managing cash flow, paying salaries, purchasing inventory, covering operational expenses, funding marketing campaigns, or fulfilling short-term financial needs..

While eligibility criteria may vary among lenders, certain high-risk industries like gambling, speculative investments, or illegal activities may face difficulty in obtaining a working capital loan. It's best to check with the lender for specific exclusions.

If you are unable to repay your working capital loan on time, it may lead to penalties, increased interest rates, or legal actions by the lender. It's important to communicate with your lender and explore possible solutions.

The approval and disbursal time for a working capital loan can vary among lenders. It typically involves submitting the required documents, credit evaluation, and verification processes. The timeline can range from a few days to a few weeks.

Yes, sole proprietors and self-employed professionals can apply for working capital loans. They may need to provide additional documents like income tax returns, business registration proof, and professional certificates to establish their income and business stability.

We don’t charge you any fees but banks and NBFCs can charge you fees associated with a business loan, including processing fees, documentation charges, loan origination fees, or prepayment penalties. It's important to understand these charges before applying for the loan.

CAR LOAN FAQs

A car loan is a type of loan specifically designed for purchasing a vehicle, where the lender provides funds to the borrower, and the borrower repays the loan amount along with interest over a specified period.

A car loan is a type of loan specifically designed for purchasing a vehicle, where the lender provides funds to the borrower, and the borrower repays the loan amount along with interest over a specified period.

The loan amount you can borrow for a car loan depends on factors like the purchase price of the vehicle, your creditworthiness, and the lender's policies. It typically ranges from a percentage of the car's value to the full amount.

Generally, documents such as identification proof, address proof, income proof (pay stubs, bank statements), employment details, vehicle details, and insurance information are required when applying for a car loan.

The repayment period for a car loan typically ranges from 3 to 7 years, depending on the loan amount, interest rate, and the borrower's preferences.

Many car loans allow early repayment or prepayment, but it's important to check with the Banks and NBFCs as there may be prepayment penalties or conditions.

Car loans can be used to buy vehicles from both private sellers and authorized dealerships, but lenders may have specific requirements for private seller transactions.

It is possible to get a car loan even if you have existing loans or debt, but the we will assess your debt-to-income ratio to determine your repayment capacity.

We don’t charge you any additional fees but banks or NBFCs can have additional charge or fees associated with a car loan, such as processing fees, documentation charges, loan origination fees, or late payment fees. It's important to review the loan terms and conditions to understand the fees involved.

A car loan is a type of loan specifically designed for purchasing a vehicle, where the lender provides funds to the borrower, and the borrower repays the loan amount along with interest over a specified period.

GOLD LOAN FAQs

A gold loan is a secured loan where borrowers pledge their gold jewelry or ornaments as collateral, and the lender provides funds based on the value of the gold.

Eligibility criteria for a gold loan typically include factors such as age, proof of ownership of gold, and the purity and value of the gold jewelry or ornaments.

The loan amount you can borrow with a gold loan depends on factors such as the weight and purity of the gold, and the prevailing market rates. Generally, lenders offer a percentage of the gold's value as the loan amount.

Yes, gold loans are often available to individuals with bad credit as the gold jewelry serves as collateral, reducing the risk for the lender.

Generally, documents such as identity proof, address proof, proof of ownership of the gold, and KYC (Know Your Customer) documents are required when applying for a gold loan.

Many gold loans allow early repayment or prepayment without any penalties. It's advisable to check with the lender regarding their specific terms and conditions.

We don't charge you any additional fees but banks or NBFCs can have additional charges or fees associated with a gold loan, such as processing fees, valuation charges, or late payment fees. It's important to review the loan terms and conditions to understand the fees involved.

Gold loans are typically provided against pure gold jewelry or ornaments. Gold-plated jewelry or imitation jewelry may not be accepted as collateral by lenders.

Yes, reputable lenders ensure the safekeeping of your gold jewelry or ornaments in secure vaults during the loan tenure.

We strive to simplify the loan application process and work with lenders who offer loans with minimal documentation requirements, making the process more convenient for you.

LOAN AGAINST PROPERTY FAQs

A loan against property is a type of secured loan where you pledge your property as collateral to borrow funds from a lender, which can be used for various purposes.

Eligibility criteria for a loan against property typically include factors such as property ownership, property value, income, creditworthiness, and the borrower's ability to repay the loan.

It may be more challenging to get a loan against property with bad credit, but some lenders offer loans specifically for individuals with lower credit scores. However, you may face higher interest rates or stricter terms and conditions.

Generally, documents such as property documents, income proof (salary slips, bank statements), identity proof, address proof, and KYC (Know Your Customer) documents are required when applying for a loan against property.

Yes, a loan against property can be used for various purposes like business expansion, debt consolidation, education expenses, medical expenses, home renovation, or any other personal or business-related financial needs

Many loans against property allow early repayment or prepayment, but it's important to check with the Banks and NBFCs as there may be prepayment penalties or conditions.

Yes, loans against property can be obtained if there are multiple owners or co-owners of the property. Each owner may need to provide the necessary documents and may be considered as co-borrowers or guarantors for the loan.

The loan amount you can borrow with a loan against property depends on factors such as the value of the property, loan-to-value ratio, and the Bnaks and lenders policies. Generally, Banks and lenders offer a percentage of the property's value as the loan amount.

Yes, a loan against property can be used for purchasing another property, expanding your real estate portfolio, or even for down payment assistance for a new property purchase.

Loans against property are available for both commercial and residential properties, depending on the eligibility and criteria.

INVOICE DISCOUNTING FAQs

Invoice discounting is a financial solution where a business sells its unpaid invoices to a lender for immediate cash.

You submit your invoices to a lender, who advances you a percentage (typically 80-90%) of the invoice value, and you receive the remaining amount once your customer pays.

Small to large businesses across various industries can benefit from invoice discounting to improve cash flow.

You are responsible for repaying the lender, even if your customer defaults. Some lenders offer non-recourse options to mitigate this risk.

Typically, there are no restrictions, giving you the freedom to allocate the funds as needed for your business.

Yes, some lenders work with startups, but eligibility may vary.

Advantages include improved cash flow, flexibility, and the ability to maintain control over your customer relationships.

Confidential invoice discounting allows you to maintain the privacy of your financial transactions.

No, it's typically a short-term financing option to address immediate cash flow needs.

Simply fill out our online application, and our team will guide you through the process to get started.

PERSONAL LOAN FAQs

A personal loan is a type of unsecured loan that you can use for various purposes, such as debt consolidation or unexpected expenses.

You borrow a fixed amount of money from a lender and repay it in installments, typically with interest, over a specified term.

Personal loans can be used for a range of purposes, including home improvement, medical bills, or even a vacation.

Lenders consider factors like your credit score, income, and credit history to assess eligibility.

Loan terms usually range from 1 to 5 years, but that can vary on your loan amount.

Some lenders offer personal loans to individuals with less-than-perfect credit, though interest rates may be higher.

Approval times vary but can range from a few minutes to a few days, depending on your application.

Missing payments can negatively impact your credit score, and you may incur late fees.

Simply complete our online application, and our team will guide you through the process to get started.

Loans against property are available for both commercial and residential properties, depending on the eligibility and criteria.

VENDOR FINANCING FAQs

It allows businesses to acquire necessary supplies or equipment with deferred payment terms, easing cash flow constraints.

Eligibility criteria for a loan against property typically include factors such as property ownership, property value, income, creditworthiness, and the borrower's ability to repay the loan.

Businesses of all sizes and industries can benefit by conserving working capital and improving liquidity.

Vendor financing can cover various expenses, including inventory purchases, equipment acquisition, and raw material procurement.

Yes, it can be beneficial for startups to establish relationships with suppliers and manage initial cash flow challenges.

Typically, you'll need to provide your business financials and credit history to the us.

No, it's usually a short- to medium-term solution for specific procurement needs.

Consistent, on-time payments can positively impact your business credit profile.

Fees may apply, such as interest or finance charges, depending on the vendor's terms.

No, personal loans are unsecured, meaning they don't require collateral like a car or house.