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LOAN


Sujata Associates will help you taking Loan


Sujata Associates will help you taking any kind of loan. You don't have to make time for doing papers and all. we will be here to help you.



PERSONAL LOAN:


Personal Loans are as a rule of two kinds for example secured personal loan which is secured against the home loan of securities, high surrender value insurance policies, gold, and so on and another is unsecured personal loan which does not expect you to mortgage anything. Unsecured personal loans don't expect you to give any insurance security, however some PSU banks may demand on a third party guarantee. Unsecured personal loan can be taken to fund any short-term requirement like oversea trips, marriage, medical emergencies, and so on. The main condition is that the personal loan should not be utilized for speculative purposes.

Personal loan is a straightforward issue free procedure of funding your personal requirement with minimal documentation and within quick time.


LOAN PURPOSE:


Personal Loan is usually known as generally useful Loan it very well may be utilizes for satisfying different legitimate personal needs that includes -
Higher education for self, children, etc.
Marriage in the family
Dream vacation
Festival expenses
Medical emergencies
Furnishing or renovation of house
Purchase of high end lifestyle, consumer goods.


ELIGIBILITY CRITERIA:


Being unsecured in nature, lenders have stricter standards with respect to eligibility and endorsing of personal loan. But some of the basic eligibility criteria the applicant must fulfill are as follows
Should be a Resident Indian
Should be minimum 21 years of age
Should be Salaried or Self Employed Professional / Non professional
Should be a permanent employee of the organization, if salaried
Should have continuous source of income to service the loan

DOCUMENTS CHECKLIST:

To start the loan process, the lender will require-
Application Form with photograph
KYC Documents –
Proof of Identity – PAN / Passport / Driver’s License / Voter ID card / Aadhaar card, etc.) and
Proof of Address – Passport / Aadhaar card / Landline Telephone Bill / Electricity Bill, Ration Card, etc.)
A/c. Statement –
Statement of bank account for the last six months
If any previous loan, then Loan A/c. Statement for last 1 year

Income Documents:

For salaried individuals: Form 16 or IT returns – last 2 years
Salary slips for last 3 months

For self-employed:

IT returns – last 2 / 3 years
Audited Balance Sheet & Profit & loss A/c – last 3 years
Proof of turnover vide latest sales / service tax returns
Proof of continuity of business (Trade License /Establishment /Sales Tax certificate)
Office address proof
Qualification or registration proof required for Self-employed Professionals
Documentary proofs required may vary from customer to customer and the financial institute may ask
for more documents, if required.

HOME LOAN:


Regardless of whether it is your initial move towards owning that fantasy home for your family or transferring your existing home loan from another moneylender for better terms or purchasing a property for investment, it is exceptionally basic to get the right loan that is most appropriate to your requirement at the correct expense.

A little knowledge about home loan and what is in effect at present offered in the market will go far in getting that best deal on your home loan. Be that as it may, before you continue to meet the bank, it is helpful to have some information about the item, despite the fact that you may have a prior affair of benefiting the home credit. A portion of the key focuses are listed below for your thought before you approach the lender for home loan.

PURPOSE OF HOME LOAN:

Lenders generally finance for –
Buying under-construction / new or resale residential property
Construction of house
Buying a plot of land for construction of dwelling unit
Renovation and Extension of exiting residential property
Refinance of existing home loan

DOCUMENTS CHECKLIST:

To start the loan process, the lender will require-
Application Form with photograph
KYC Documents –Proof of Identity – PAN / Passport / Driver’s License / Voter ID card / Aadhaar card, etc.) and
Proof of Address – Passport / Aadhaar card / Landline Telephone Bill / Electricity Bill, Ration Card, etc.)
A/c. Statement – Statement of bank account for the last six months
If any previous loan, then Loan A/c. Statement for last 1 year

Income Documents:

For salaried individuals:
Form 16 or IT returns – last 2 years
Salary slips for last 3 months
For self-employed:
IT returns – last 2 / 3 years
Audited Balance Sheet & Profit & loss A/c – last 3 years
Proof of turnover vide latest sales / service tax returns
Proof of continuity of business (Trade License /Establishment /Sales Tax certificate)
Office address proof
Qualification or registration proof required for Self-employed Professionals
Relevant Property Documents.
Documentary proofs required may vary from customer to customer and the financial institute may ask
for more documents, if required.

BUSINESS LOAN:


Business loan helps traders, businessmen and professionals to start or grow their business exercises. The loan can be secured against a guarantee as property, completed products, and so on or can be profited without keeping any insurance security. This unsecured business loan is more costly than secured business loan.


PURPOSE OF BUSINESS LOAN:


Business Loan can be benefited for all business purpose like working capital prerequisite, obtaining of fixed assets, limit extension/modernization, innovation up-degree, Research and Development or some other short-term requirement.


LOAN ELIGIBILITY:



Eligibility for business loan will vary from bank to bank and will rely upon different variables. Your capacity to repay the loan will be checked by the depend based on your line of business, profitability, financial statements, and so on.
A self-employed individuals / business in the age group of 21 to 60 years can apply for business loan. The yearly turnover of the business will differ from bank to bank, The business should be in continuity throughout the previous 3 years indicating positive patterns in turnover and benefit throughout the previous 2 years.


DOCUMENT CHECKLIST:
The document required for processing of business loans are-
PAN Card – For Company /Firm/ individual.
Proof of your identity: Copy of Aadhaar Card/Passport/Voter’s ID card/Pan Card/Driving License.
Proof of your address: Copy of Aadhaar Card/Passport/ Voter ID-Card/Driving License.
Bank Statement (latest 6 months)
Latest ITR along with computation of income, Balance sheet and Profit & Loss a/c for the last 2 years.
Financial should be CA Certified /Audited.
Proof of continuation (ITR/Trade license /Establishment /Sales Tax certificate)
Other Mandatory Documents (Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified
true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original).



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Frequently Ask Qustion

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