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Home Loan

Mortgage Loan

Construction loan

Builder finance

Car loan

Education Loan

MSME loan

Personal Loan

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Home Loan

🏠 What is a Home Loan?

A Home loan is a type of financial assistance provided by banks or financial institutions to help individuals purchase, construct, or renovate a residential property.

In simple terms, a home loan allows you to buy a house today and repay the amount in small monthly payments (EMIs) over a fixed period, usually 10 to 30 years.

💡 Key Features of a Home Loan:

  • Loan Amount: Depends on your income, credit score, and property value.

  • Interest Rate: Can be fixed or floating (changes with the market).

  • Tenure: Up to 30 years.

  • EMI (Equated Monthly Installment): Monthly payment that includes both principal and interest.

  • Down Payment: You usually pay 10-25% of the property value from your pocket.

  • Security: The property itself is the security or collateral until the loan is fully paid.

📝 Common Uses of Home Loans:

  • Buying a new flat or independent house

  • Purchasing a plot and constructing a home

  • Renovating or extending an existing home

  • Transferring an existing home loan to another bank for better interest rates

🔍 Why Choose Finservy for Home Loans?

  • Get the best loan offers from top banks & NBFCs

  • Expert guidance throughout the process

  • Help with documentation, eligibility check, and application

Fast processing with minimal hassle

What is a Mortgage Loan?

A Mortgage loan is a type of secured loan where you pledge your property (land, house, or commercial building) as collateral to borrow money from a bank or financial institution.

It is also called a Loan Against Property (LAP).

You can use the money for any personal or business purpose like:

  • Expanding a business

  • Funding education or medical expenses

  • Debt consolidation

     

  • Marriage or major events

     

Key Features:

  • Collateral: You offer your property as security for the loan.

  • Loan Amount: Usually 50% to 70% of the property’s market value.

  • Usage: The loan amount can be used for non-housing needs (unlike home loans).

  • Interest Rate: Lower than personal loans because it’s a secured loan.

  • Tenure: Up to 15 years or more.

  • Ownership: You still own and use the property; the bank only has a legal claim until you repay.

     

🔍 Why Choose a Mortgage Loan?

  • Ideal when you need a large sum of money

  • Lower EMI compared to unsecured loans

  • Flexible repayment options

  • You don’t have to sell your property to raise funds — just pledge it temporarily

A construction loan is a type of home loan taken to build a house on a plot of land that you own. Instead of giving the full loan amount upfront, the bank releases the money in stages based on the progress of the construction.

This is ideal if you’re building your own home rather than buying a ready-to-move-in property.

Key Features:

  • Purpose: To construct a house on a self-owned or jointly owned plot
  • Loan Amount: Based on construction cost estimates and your eligibility
  • Disbursement: Done in phases or milestones, not all at once
  • Tenure: Usually up to 20–30 years
  • Interest: Charged only on the disbursed amount, not the full sanction

🏦 Disbursement Pattern (Typical Stages):

  1. Initial Disbursement (10–20%): For laying the foundation and starting basic construction
  2. Plinth Level (15–20%): After basement or ground level structure is complete
  3. Roof Level (20–30%): After slab or roof of each floor is constructed
  4. Brick Work / Internal Plaster (15–20%)
  5. Final Stage (10–15%): After full construction and external finishing is done

📌 Note: Each stage is verified by a bank-appointed civil engineer before releasing the next amount.

🛠️ Important Points:

  • You need to submit construction plans, cost estimate, and approvals to the bank
  • Funds are linked to progress — so timely work is important
  • If you delay construction, disbursement may also be delaye

Builder Finance is a type of loan provided by banks or NBFCs (Non-Banking Financial Companies) to real estate developers or builders to fund the construction of residential or commercial real estate projects.

This loan helps the builder cover costs like:

  • Land purchase (if not already owned)

     

  • Construction materials and labor

     

  • Permissions and legal formalities

     

  • Project development and infrastructure

     

💡 Key Features:

  • Loan Amount: Based on project cost, cash flow projections, and builder’s credibility.

     

  • Disbursement: In phases, linked to construction milestones and verified by the lender’s engineer.

     

  • Interest Rate: Generally lower than unsecured loans, but varies based on builder profile and risk.

     

  • Tenure: 3 to 7 years depending on project size.

     

  • Repayment: Often structured as EMIs or linked to sales proceeds from the project.

     

🛑 Eligibility Criteria:

  • Builder must have past project experience and good track record

     

  • Clear project approvals and legal documentation

     

  • Land title should be clear (either owned or under agreement)

     

  • Proper financial statements and project feasibility report

     

📄 Required Documents:

  • Project plan, layout, and approvals

     

  • Builder’s financials and company profile

     

  • Cost and cash flow projections

     

  • Land ownership proof and legal clearances

A car loan is a type of financial product offered by banks and NBFCs to help you purchase a new or used car without paying the full price upfront. The loan is repaid in EMIs (Equated Monthly Installments) over a fixed period, usually 1 to 7 years.

🚘 Types of Car Loans

1. New Car Loan

  • Used to buy a brand-new vehicle
  • Higher loan amount (up to 90–100% of on-road price)
  • Lower interest rates
  • Longer tenure (up to 7 years)
  • Vehicle hypothecated to the lender until repayment

2. Used Car Loan

  • For purchasing a pre-owned vehicle (from a showroom or individual)
  • Loan up to 75–90% of the car’s valuation
  • Slightly higher interest rates due to higher risk
  • Shorter tenure (up to 5 years)
  • Requires car valuation and condition check

💡 Key Features:

  • Loan Amount: Based on the car’s value and your income profile
  • Interest Rate: Depends on credit score, car model, and loan type
  • EMI: Fixed monthly installment including principal + interest
  • Collateral: The car itself is the security
  • Pre-Closure: Allowed after certain period (may involve charges)

📄 Documents Required:

  • ID & address proof
  • Income proof (salary slip/IT returns)
  • Bank statements
  • Quotation of car (for new) or valuation report (for used)

Why Choose Finservy for Car Loans?

  • Compare offers from top lenders instantly

     

  • Fast approval and minimal documentation

     

  • Support for salaried, self-employed, and business users

     

  • Loans available for showroom cars, certified used cars, or direct owner deals

An education loan is a type of financial support provided by banks or NBFCs to students who want to pursue higher studies in India or abroad. The loan covers tuition fees, accommodation, books, travel (for abroad), and other academic expenses.

The student is the primary borrower, and a parent or guardian is usually the co-applicant.

💡 Key Features:

  • Purpose: For graduate, post-graduate, professional, or vocational courses

     

  • Coverage: Tuition fees, hostel, exam fees, library fees, travel expenses (abroad), laptop, books, etc.

     

  • Loan Amount:

     

    • Up to ₹10–15 lakhs for studies in India

       

    • Up to ₹20–50 lakhs or more for studies abroad

       

  • Interest Rate: Usually 9% to 14% (may vary by bank)

     

  • Repayment:

     

    • Starts after a moratorium period (course duration + 6 to 12 months)

       

    • Tenure of up to 15 years

       

🌍 Eligible Courses:

  • Recognized Indian and foreign universities

     

  • Professional, technical, medical, and management courses

     

  • UG/PG/Diploma courses approved by UGC/AICTE/IMC/State boards

     

📄 Documents Required for Education Loan:

🧑‍🎓 Student Documents:

  • Admission letter from the university/institute

     

  • Mark sheets of 10th, 12th, and graduation

     

  • Entrance exam scorecard (if applicable)

     

  • Passport, visa (for abroad studies)

     

  • Student’s ID/address proof

     

  • Photographs

     

👨‍👩‍👧 Co-applicant (Parent/Guardian) Documents:

  • ID and address proof

     

  • PAN Card

     

  • Income proof:

     

    • Salaried: Salary slips, Form 16, ITR

       

    • Self-employed: ITR, business proof, financials

       

  • Bank account statements (last 6 months)

     

  • Collateral documents (if loan is above ₹7.5 lakhs and requires security now its extended upto 50.00L depending on Institution and country)

     

🔍 Why Choose Finservy for Education Loans?

  • Tie-ups with major banks & NBFCs

     

  • Quick loan processing and eligibility check

     

  • Assistance with paperwork and foreign admission documentation

     

  • Loans with or without collateral, based on student profile

Types of Business Loans:

1. Unsecured Business Loan

  • No collateral required

  • Ideal for small businesses or startups with good cash flow

  • Faster processing and minimal documentation

  • Loan amount typically up to ₹50 lakhs (varies by lender)

  • Slightly higher interest rates due to higher risk

     

Best For:

  • Working capital needs

  • Marketing expenses

  • Hiring staff or expanding operations

     

2. Secured Business Loan

  • Collateral is required (property, equipment, machinery, etc.)

  • Higher loan amounts — up to several crores

  • Lower interest rates due to security

  • Longer repayment tenures (up to 10 years)

Best For:

  • Buying commercial property

  • Expanding factory or infrastructure

  • Purchasing heavy machinery or vehicles

     

💡 Key Features:

  • Loan Tenure: 1 to 10 years

  • Interest Rate: Varies (secured loans offer lower rates)

  • Repayment: EMI or structured repayment

  • Eligibility: Based on business income, turnover, credit score, and ITR filings

     

📄 Common Documents Required:

  • KYC documents (PAN, Aadhaar, etc.)

  • Business registration/license

  • Bank statements (last 6–12 months)

  • ITRs and financials (last 2–3 years)

  • GST returns (if applicable)

  • Collateral papers (for secured loans)

     

🔍 Why Choose Finservy for Business Loans?

  • Loans tailored to your business type & cash flow

  • Quick eligibility check and expert documentation help

  • Compare multiple lender offers in one place

  • Options for both startups and established businesses

A personal loan is an unsecured loan offered by banks or NBFCs that you can use for any personal financial need — like medical emergencies, weddings, travel, or debt consolidation. It doesn’t require collateral, so the approval depends mostly on your creditworthiness and income.

🧑‍💼 Personal Loan for Salaried Individuals

  • Designed for employees with a stable monthly income

     

  • Loan amount depends on salary, credit score, and repayment capacity

     

  • Interest rates generally range from 10% to 20%

     

  • Quick processing with minimal documentation

     

  • Used for emergencies, vacations, education, or personal projects

     

👔 Personal Loan for Business Owners

  • Available for self-employed and business owners

     

  • Loan amount depends on business turnover, profit, and credit profile

     

  • Slightly higher interest rates compared to salaried loans (due to risk)

     

  • Documentation includes business financials and bank statements

     

  • Used for working capital, expansion, equipment purchase, or personal needs

     

💡 Key Features:

  • Loan Amount: ₹50,000 up to ₹50 lakhs (varies by lender)

     

  • Tenure: Typically 1 to 5 years

     

  • Interest Rates: Competitive, based on profile

     

  • Repayment: Monthly EMIs

     

  • No collateral required

     

📄 Common Documents:

  • Identity and address proof (Aadhaar, PAN, passport)

     

  • Income proof (salary slips for salaried, ITR and financials for business)

     

  • Bank statements (last 6 months)

     

  • Employment/business proof

     

🔍 Why Choose Finservy for Personal Loans?

  • Compare offers from multiple lenders instantly

     

  • Fast approval and minimal paperwork

     

  • Tailored solutions for salaried and self-employed

     

  • Flexible repayment options

An MSME loan is a financial product designed specifically for Micro, Small, and Medium Enterprises (MSMEs) to help them manage working capital, expand their business, buy machinery, or meet other operational expenses.

These loans support the backbone of India’s economy by providing affordable credit to small and medium businesses.

 

Key Features:

  • Loan Amount: From ₹50,000 up to several crores depending on the business size and need.

  • Interest Rate: Competitive rates, often subsidized or supported by government schemes.

  • Tenure: Typically 1 to 7 years, sometimes longer.

  • Types:

    • Working Capital Loans

    • Term Loans (for buying equipment, expansion)

    • Trade Finance

    • Overdrafts and Cash Credit

 

 

📄 Eligibility Criteria:

  • Registered MSME business (Udyam Registration or MSME certificate)

  • Stable business operations (usually 1+ year)

  • Good credit history

  • Financial statements and ITR filings

 

 

📋 Documents Required:

  • MSME registration certificate

  • KYC documents (PAN, Aadhaar)

  • Business financials (balance sheet, profit & loss statements)

  • Bank statements (last 6-12 months)

  • Income tax returns

  • Business proof (license, GST registration)

 

 

🔍 Why Choose Finservy for MSME Loans?

 

  • Access to multiple lenders and government schemes

  • Expert help with documentation and quick approvals

  • Customized loan options for different MSME sectors

  • Competitive interest rates and flexible repayment terms







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