LOAN CONSULTING SERVICES
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📘 Loan Knowledge Guide
Complete understanding before you apply for any loan
What is Home Loan?
Home loan is used to buy, build or renovate a house with long-term repayment.
Eligibility
- Salaried or self-employed
- Age 21–60 years
- Stable income
Loan Details
- Loan Amount: Up to 90% property value
- Interest: 8–10%
- Tenure: Up to 30 years
Documents Required
- Aadhaar, PAN
- Income proof / ITR
- Bank statement
- Property papers
Benefits
- Tax benefits
- Low EMI
- Long repayment
Risks
- EMI default → legal action
- Long-term liability
What is Business Loan?
Loan for expanding business, buying stock, or managing working capital.
Eligibility
- Business owner
- Minimum 1–2 years business
- Good transaction history
Loan Details
- Amount: ₹50K to crores
- Interest: 10–18%
- Tenure: 1–7 years
Documents
- GST / registration
- ITR
- Bank statement
Benefits
- Business growth
- Flexible use
Risks
- Business loss → EMI issue
What is Personal Loan?
Unsecured loan for personal needs like medical, travel, etc.
Eligibility
- Salaried / self-employed
- Minimum income ₹15K+
Loan Details
- Amount: ₹10K–₹20L
- Interest: 12–24%
Benefits
- No collateral
- Fast approval
Risks
- High interest
- Credit score impact
What is LAP?
Loan taken by mortgaging your property.
Loan Details
- Amount: 50–70% property value
- Interest: Lower than personal loan
Benefits
- High amount
- Low interest
Risks
- Default → property loss
What is Mudra Loan?
Government loan for small business.
- Shishu (up to ₹50K)
- Kishor (₹50K–5L)
- Tarun (₹5L–10L)
Benefits
- No collateral
- Easy approval
What is Instant Loan?
Quick online loan for emergency needs.
Details
- Same-day approval
- Minimal documents
- High interest
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