Products
A home loan is a financial product that allows individuals to borrow money from a bank or lender to purchase a property, paying it back over time with interest.
Commercial purchase refers to buying properties like office buildings, retail spaces, or industrial complexes for business purposes, rather than personal residence.
Industrial purchase involves buying properties like factories, warehouses, or manufacturing facilities primarily for commercial and industrial business operations, not for residential purposes.
Land loans are financial products that provide funds for purchasing raw land or undeveloped property, often with different terms than traditional home loans.
Lease Rental Discounting (LRD) is a financial product where property owners, usually commercial, offer their leased properties' future rental income as collateral to secure a loan. Lenders assess the lease agreement, rental income, and tenant's creditworthiness to determine the loan amount, with repayment based on rental receipts.
Warehousing finance is a type of commercial lending that provides funds to businesses for building, expanding, or operating warehouses. These loans enable companies to stock inventory and manage supply chains efficiently. The warehouse itself acts as collateral, and repayment terms are structured based on the borrower's needs and cash flow.
An international educational loan is a financial product that helps students from one country fund their higher education abroad. These loans cover tuition fees, living expenses, and other educational costs. Repayment terms and interest rates vary depending on the lender and the borrower's circumstances.
Reverse mortgage is a financial arrangement for homeowners, usually seniors, where they can borrow against their home's equity without selling it. Instead of making payments, the loan accumulates interest, and repayment is triggered when the borrower moves out or passes away, with the home often sold to repay the debt.
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Unsecured Loan
A personal loan is an unsecured financial product where individuals borrow money from banks or lenders for personal expenses, such as debt consolidation, home renovations, medical bills, or travel. The loan is repaid over a fixed period, and interest rates are determined based on the borrower's creditworthiness and financial history.
A business loan is a financial product that allows entrepreneurs and companies to borrow funds from banks or lenders to meet their business needs. It can be used for various purposes like starting a new venture, expanding operations, purchasing assets, managing cash flow, or financing projects, with specified repayment terms and interest rates.
In India, an educational loan is a financial product offered by banks and financial institutions to students pursuing higher education. These loans cover tuition fees, books, accommodation, and other related expenses. Repayment typically begins after the course is completed, and there are provisions for moratorium during the study period.
Type of loans
- Term Loan
- Offset Balance Loans
- Step Up Loans
- Step Down Loans
- Baloon & Bullets Structure
- Moratorium Based Loans
- ProRata Disbursements
- Full or Proportionate EMI Loans
- Interest Only Loans
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