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Finset Fincare is one of leading loan consultancy and distribution company. We offer personal loans, business loans, professional loans for CA's and doctors, SME loans, home loans, loans against property, and other financial services like insurance & credit cards.
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"Experience the power of partnership with Finset Fincare. We're more than just a lending company; we're your trusted ally, guiding you through every financial decision, big or small."
A secured loan is a type of loan that is backed by collateral, such as a home, car, or other valuable assets. If the borrower fails to repay the loan, the lender can take possession of the collateral to recover the outstanding amount.
Loan Against property & home loan are 2 most common types of secured loans provided by lenders & banks.
Common types of assets used as collateral include real estate (home or property), vehicles, savings accounts, and valuable personal possessions.
The specific assets accepted as collateral can vary based on the type of loan and lender policies. Generally in secured loans , home & property is accepted as security in secured loans.
The loan-to-value ratio is the ratio of the loan amount to the appraised value of the collateral. Lenders often set maximum LTV ratios to manage risk. A lower LTV ratio typically indicates a lower risk for the lender.
Secured loans are backed by collateral, while unsecured loans are not. Because secured loans involve collateral, they generally have lower interest rates compared to unsecured loans. Unsecured loans, on the other hand, rely solely on the borrower’s creditworthiness
Generally, interest rates on secured loans are lower than those on unsecured loans. This is because the collateral provides the lender with added security, reducing the risk associated with the loan.
– Yes, many secured loans allow for early repayment. However, it’s important to review the loan agreement for any prepayment penalties or fees that may apply. Different financial institutes have different policies regarding early loan repayment.
Unlock Your Dream Home with Flexible Home Loan Options and Competitive Rates. Apply Now for Quick Approval!
Unlock your dream home with our flexible home loan options. Enjoy competitive rates and apply now for quick approval. Start your journey to homeownership today with a hassle-free application process designed to get you into your new home faster.
Get Dream Home
Want to buy your dream home? But falling short of funds ? Fulfill your dream of buying Your Dream Home with Finset Fincare Services Pvt Ltd : At Finset we offer you a tailor made home loan with lowest rate of interest & hassle free loan process. Secure a home loan to turn your dreams of home ownership into reality. A home loan, also known as a mortgage, is a type of financial product that allows individuals to borrow money from a bank or a financial institution to purchase a home or real estate property. Home loans are a common way for people to afford homes since they provide a long-term source of financing for a substantial purchase.
Low Interest Rates
Benefit from competitive rates, ensuring affordable monthly payments and significant savings over the loan term.
Flexible Repayment Options
Choose from various repayment plans that fit your financial situation, allowing for easier budgeting and management.
Quick and Easy Approval
Enjoy a streamlined application process with fast approval, helping you secure your dream home.
Simplify Your Home Buying Journey with Our Expert Home Loan Solutions and Support...
Loan solutions can help you get your dream home.
Eligibility Criteria
Your eligibility for a Home Loan is evaluated based on Following factors:
- Your current income.
- Your Home Loan eligibility depends on the stability and duration of your employment history.
- When determining your Home Loan eligibility, the lender takes into account your existing financial commitments, such as the EMIs you’re currently paying and your credit card limits and usage.
Documents required:
The specific documents required for a home loan can vary depending on the lender and the type of loan, but generally, the following documents are commonly requested:
- Identity Proof: Passport/ Voter ID card/ Aadhaar card / PAN card/Driver’s license.
- Address Proof: Aadhaar card/ Voter ID card / Passport / Utility bills (electricity, water, gas) not more than 3 months old Rental agreement (if applicable).
- Income Proof for Salaried Individuals: Salary slips for the last 3 to 6 months / Form 16 or Income Tax Returns (ITR) for the last 2 to 3 years / Bank statements for the last 6 to 12 months showing salary credits.
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- Income Proof for Self-Employed Individuals/Business Owners: Income Tax Returns (ITR) for the last 2 to 3 years / Profit and loss account statement and balance sheet for the last 2 to 3 years / Business continuity proof (GST registration, trade license, etc.) / Bank statements for the last 6 to 12 months.
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- Property Documents: Sale deed / Title deed / Land records / Approved building plan / Property tax receipts.
- Legal and Regulatory Documents: Encumbrance Certificate / No Objection Certificate (NOC) from relevant authorities (if applicable) / Power of Attorney (if applicable).
- Banking Documents : Bank statements for the last 6 to 12 months / Details of existing loans and liabilities.
- Additional Documents: Passport-sized photographs / Processing fee cheque / Co-applicant’s documents (if applying jointly).
- Any other documents specified by the lender.
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