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@expresspaisa01-blog
When it comes to buying an asset say any vehicle, home, etc. or expanding the business, the first word comes to the mind is ‘Loan’. All we search is for a worthy loan provider i.e. appropriate Bank. But in this era where there are number of banks and the even more number of schemes offered by…
When it comes to buying an asset say any vehicle, home, etc. or expanding the business, the first word comes to the mind is ‘Loan’. All we search is for a worthy..
The loan against property service at Express Paisa ensures maximum finance with flexibility of loan tenure with smaller EMI options with long tenure.\n
The loan against property service at Express Paisa ensures maximum finance with flexibility of loan tenure with smaller EMI options with long tenure.
The loan against property service at Express Paisa ensures maximum finance with flexibility of loan tenure with smaller EMI options with long tenure.
The loan against property service at Express Paisa ensures maximum finance with flexibility of loan tenure with smaller EMI options with long tenure.
Let us start with knowing what is a business loan? Then we will jump on to its characteristics and advantages. It is the money a bank lends to...
Grow your business with the commercial business loans from Express Paisa. The lowest business loan interest rate facilitates the easy and hassle free repayments.
Avail Lowest Business Loan Interest Rate And Expand Your Business
Let us start with knowing what is a business loan? Then we will jump on to its characteristics and advantages.
It is the money a bank lends to the needy either to expand the existing business or start up a whole new one. The SME’s (Small and Medium Enterprises) are the ones who are at profit with this loan. It helps a business idea to grow fruitfully.
Characteristics of business loan
· Loan tenure is flexible.
· Repayment enabled with simple EMI’s manner.
· Higher loan eligibility granted.
· Loans sanctioned up to 80% of the property value.
· Wide range of sureties accepted over the loan.
Advantages of business loan
I. It keeps your savings intact for any emergency in future as you need not use them for now for your business needs.
II. It funds your present requirement of your business helping you generate upright revenue in future.
III. Business loan interest rates are nominal, contrary to what is usually assumed. They are calculated on basis of various criteria like the financial situation and credentials of the borrower, tenure of loan borrowed and most importantly overall market dynamics.
IV. The business loan’s processing fees and commissions are also minimal making it easier.
V. Tax benefits can be claimed on the interest component of the loan. This again varies from bank to bank and their policies.
Thus you can take a quick business loan according to your need without any major things to worry upon. Don’t let your business alter by any case.
Factors considered while approving a business loan
· Type of the Business: Proprietorship, Partnership, Pvt. Ltd. Or Public Ltd.
· Turnover of the business
· Profit of the business
· Cash flow of the business
· Track record of the borrower.
Business loan at Express Paisa
Express Paisa is one of the leading loan provider companies in Lucknow with its presence in more than 75 cities and partnership with 50+ financial institutions. It designs the business loans in the best suitable manner for you which shrink your hassle of finding a finest loan from the best bank. Your financial quotient is kept as priority. So apply for business loan at Express Paisa and boost your business plans without letting money become the barrier of your success. Don’t let your ideas just remain as ideas. Express Paisa is always there to help you implement them. It will be our pleasure to help you make your dreams come true.
Home loanis most popular loan amongst all the loans since past few years. Also known as housing loan, it grips and supports to fulfill the following purposes: Purchase of a new home Land for building...
Are you planning to opt for the housing loan to buy a home of yours or a land to build a new home? Here's all you need to understand about the home loan eligibility documents required to pursue the loan.
Home Loan Eligibility - Understand Documents Required To Be Eligible
Home loan is most popular loan amongst all the loans since past few years. Also known as housing loan, it grips and supports to fulfill the following purposes:
ü Purchase of a new home
ü Land for building the house
ü Renovating the existing home
ü Construction of floors on an existing home
ü Transferring already existing home loan.
Features of a home loan:
· It is a secured loan, vanishing away the biggest thing to worry when it comes to buy a loan.
· Second most vital element – the interest rate, is comparatively lower.
· Third most essential factor – tenure for repayment, is longer. It ranges from 5 years to 30 years.
· It allows you to apply jointly with your spouse, family members or any other as co-applicants. Thus while repaying it gets distributed with your partner in loan.
· Prepayment is also made feasible.
· Payment can be done through EMI.
· Bank has the margin of approx. 20%.
· As per the provisions of the IT Act 1961(which is subject to change), tax benefits can be availed on the home loan.
Eligibility criteria for applying for a home loan vary from lender to lender depending upon their policies of practice. But there are some conditions to be considered in a broader sense which are perceived in common by every bank. A few of them are briefed below.
ü Age of the applicant – 21 to 65 years.
ü Average net annual income is well-thought-out which shows a discrepancy from bank to bank. It ranges from 10, 0000 to 7 lakhs.
ü The applicant must either be salaried or at least self-employed.
ü If he is employed, the tenure of work should be of 1 year currently and 2 years if worked at some other place earlier.
ü The current residence must have completed 1 year of time period.
The reason behind rise in trend of home loan can be considered as increasing interest among people to buy their own house. Today every other person has a dream to build his own house. In fact it has been a matter of prestige since ages. But affording a home in this expensive world is nearly impossible. Taking a home loan and then stepping ahead with the dream of ‘My House’ helps the dream come true, in a lesser time period.
Home loans at Express Paisa
We apprehend your dream and help you get the easiest home loan from the best suitable bank without any things to worry about. The process of applying and availing home loan is very simple. It goes in the following fashion:
Ø Application
Ø Processing
Ø Documentation
Ø Sanctioning of the loan
Ø Disbursement.
Low
rate of interest
over loan, crystal clarity with the clients and their loan process, and maintaining confidentiality, are the three fundamental factors of services at
Express Paisa
. So if you also have a dream of your ‘own house’ and want to take a loan for the same, get in touch with us.
Personal loan is the most affordable loan providing a solution to your every money need.
Personal loan is the most affordable loan providing a solution to your every money need. Apply for personal loan at Express Paisa and get best deals on interest rates.
Personal loan is also known as all-purpose loan as it serves all of the personal needs of the borrower. Personal loan is granted for three major categories of need: · Personal (health and well-being). Major medical emergencies can be solved enabling you to first get the aid and…
Personal loan is the most affordable loan providing a solution to your every money need. Apply for personal loan at Express Paisa and get best deals on interest rates.
Everything that you need to know about a Personal Loan
Personal loan is also known as all-purpose loan as it serves all of the personal needs of the borrower. Personal loan is granted for three major categories of need:
· Personal (health and well-being).
Major medical emergencies can be solved enabling you to first get the aid and repay the amount borrowed later. This may be looked upon as a life saver then.
· Family (education or supporting a vacation plan).
Traveling is the hobby of many but it remains pending due to lack of money. If you want to plan a long tour and are ready to pay the amount not at one go but eventually, personal loan can help you.
· Domestic (purchase of household equipment like AC, Refrigerator etc.).
As the lifestyle changes, the needs and wants increases. But the income to source them cannot be amplified suddenly. To fund such immediate needs you can take help of personal loan.
Following are the pick points to be considered when you apply for personal loan:
· This loan is sanctioned on the basis of the credit card history of the debtor. The proficiency of the borrower to repay the loan amount from his/her personal income on time with due interest is considered by the lender (bank).
· The repayment method is shaped over fixed amount of installments in a scheduled period of time.
· It is disbursed in couple of days i.e. 48 hours of application.
· The tenure permitted is of 5 years for personal loan.
· It is an unsecured loan. It gets secured if the borrower presents in front any guarantor or incase if any asset is bought using the personal loan, the asset becomes the security.
· For the approval of personal loan, there is no need to keep anything on mortgage.
Thus, if there is an urgency of money to buy something or fund any activity, personal loan acts as the savior. Personal loan happens to be the most affordable loan amongst all. Personal loan interest rates though fixed with some margins; they vary from bank to bank depending upon the policy the bank works.
Express Paisa, one of the leading
loan provider companies of India
, brings to you the best bank with finest suitable deals which indeed cuts off your hassle of wandering bank to bank to find the same. It has tie-ups with the well-known banks that approves loan expeditiously with nominal documentation. For example
HDFC bank
which offers personal loan at modest interest rates (starting from as low as 10.99%). As the range of banks grows, it opens up more options for you to choose among the policies suitable for you from all of them. Express Paisa helps you to make an impeccable decision clearing away all your confusion.
Apply for personal loan at Express Paisa and get your loans approved in a short period of time fullfiling your finance requirements.
Apply for personal loan at Express Paisa and get your loans approved in a short period of time fullfiling your finance requirements.
Apply for personal loan at Express Paisa and get your loans approved in a short period of time fullfiling your finance requirements.
Apply for personal loan at Express Paisa and get your loans approved in a short period of time fullfiling your finance requirements.
Personal Loan For Your Instant Financial Needs
Express Paisa is the preferred quick loan providers in India having tie ups with major financial institutions and banks.