Mortgage Loan Overview

Mortgage companies enable individuals to anchor subsidizing as anchored loans against private or business property. Mortgage companies likewise help property proprietors renegotiate existing loans in the event that they are having monetary troubles or may profit by new terms. AapkaBank is focused on examining, testing, and prescribing the best products. We takes a gander at each application physically before favoring or denying a loan. Some online money lenders support or deny in a split second dependent on computer calculations, making it difficult to get a loan with terrible credit. Our mortgage loan is exceptionally useful, Whether you need to outfit your business monetarily, support your tyke's instruction or marriage or even utilize funds for some other individual necessities. Then again, the EMI balanced against the foremost sum is bring down toward the beginning of EMI reimbursement and increases as the tenure progresses.

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  • 9.5% - 11.6%

    Interest Rate Range
  • 0.1% - 1%

    Processing Rate Range
  • 10Lakhs - 50Cr.

    Loan Amount
  • 1 Year - 15 Years

    Tenure Range

General information

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Personal information

+91

Current addrsss details

terms & conditions *

Company Information

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  • Yes
  • No

Documentation

1.  Pan card (individual / firm / company)
  • Pan card (individual / partners / directors )
2. Residence  Address Proof: Any One from the following:-
  • Property Documents
  • Utility Bills / passport copy/ Adharacard / Driving licences/ Voter card ( any One )
3. Office Address Proof: Any One from the following:-
  • Property Documents
  • Utility Bills
  • Any  registration of (indusial/firm/company)
4. Office / Residence Ownership Proof (if any): Any One from the following:-
  • Property Documents
  • Maintenance Bills
  • Electricity Bills
5. Business Existence Proof Any One from the following:
  • Shop Establishment Act
  • Any Tax Registration Copy
  • Company Registration license
  • Company MOA& ROC return
  • Partnership Deed ( if partnership firm )
6. Income Proof:-
  • Latest 3 years Income Tax Returns including Computation of Income, Profit and Loss Account, Balance Sheet, Audit Report, etc.,
  • Last 12 months bank statement current / limit.
7. Required Documents for Balance Transfer (Existing Bank):-
  • Foreclosure letter from the bank.
  • Loan statements
8. Property Papers

Terms & Conditions

  1. Stamp duty at actual as per applicable law.
  2. Interest rate of sub. (subject to change as per terms and conditions /agreement) as per lender (monthly reducing)
  3. Processing charge of the borrower will be according to the lender.
  4. Govt. tax and levy as per applicable government laws would be charge on all fees and charges.
  5. Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of the bank for the dishonor)  As per lender
  6. Default interest / late payment charge: as per lender
  7. Legal repossession and incidental charges: At actual
  8. Duplicate amortization/ repayment schedule: as per lender
  9. Cheque /Si/ESI swapping charges: As per lender
  10. Details of security  As per lender
  11. Taxes at actual, applicable presently or in future.
  12. Date on which annual outstanding balance statement will be issued:31st may
  13. Loan cancellation charges:  As per lender Interest would be charged for the interim period between the date of disbursement and date of loan cancellation
  14. Gap interest will be recovered from disbursement amount where the number of the days between account credit date (i.e. of the disbursement amount ) and first EMI date is more that 30/31 days

Property should be approved by authority

  • At Least 23 Years Old

  • Less Than 65 Years Old

  • Salary Must Be In Your Account

  • Minimum salary required Rs.15000/Month credit in bank

  • Minimum job experience / stability 6 months

  • Minimum Net Annual ITR 1.5 Lakh

  • Must have a 6 month old current account

  • Business must be 2 years old

  • No Collateral required