AADHAR HOUSING FINANCE LTD HL & LAP

We at Aadhar Housing Finance Ltd. will do all Housing Loans to I - Property Type:-

1)House Purchase/Construction with/ *without Permission Plan,

2)House Purchase/Construction with Plot Area from 40.0 Sq. Yards onwards.

3)Purchase of Gram Panchayath Permission Apartment *Un-Authorised Floor Flats 5 years old with

minimum 3 years Property Tax Receipts.

4)Houses with Passage of minimum 4.0 Ft.

5)Plot Purchase Loans in Developed Areas like Municipalities, Developed Colonies etc.

6)Plot +Construction Loans.

7)Loan Against Property

8)Non-Residential (Commercial) Property Loans.

9)Property with less vintage (minimum 4 years registered document vintage is required)

documents (with adequate previous revenue records any - like property tax receipts, mutation

certificate etc...)

II- Customer Profile:-

1)Formal Salaried Customers (Salary Credit)

2)Informal Salaried Customers (Cash Salary)

3)Formal Self-Employed Customers (3 Yrs. Regular ITRs filed)

4)Informal Self-Employed Customers (No ITR filing/ITRs Not filing Regularly)

5)Pensioners

6)Less CIBIL Score

 ADITYA BIRLA CAPITAL LAP
Financial Based Programs:

1. Cash Profit Method.

Max. Ticket: Rs. 500lacs
2. Gross Receipts Method
Max. Ticket: 500Lacs
3. Turnover Linked Program
Max. Ticket: Rs. 500lacs
4. LRD (Max. Ticket: Rs. 200lacs)
Surrogate Programs:
5. Avg. Bank Balance Program
Max. Ticket: Rs. 300lacs
6. Turnover Linked Program - GST
Max. Ticket: Rs. 300lacs
7. Mortgage Takeover Program
Max. Ticket: Rs. 300lacs
8. Low LTV (Applicable for occupied residential properties & Self occupied
commercial properties only)
Max. Ticket: Rs. 200lacs
9. Pure Rental Program
Max. Ticket: 200Lacs
Security type:

1. All type of residential properties (SORP & Tenants occupied)

2. All type of commercial properties (SOCP & Tenants occupied)
3. Specialized properties with NCM Deviation (Schools, Hospitals, Industrial Properties, Go
downs, All types of Open plots, & etc....)
4. Vacant residential & commercial properties under Financial Based Programs (Not under
surrogate programs) only.
5. All types of Open plots with in the municipal limits - LRS must – Under Financial Based
Programs
(Not under surrogate programs) only.

Revised norms:

1. Video PD done for the below Rs. 50Lacs. (Above Rs. 50Lacs. physical PD should be done)

2. CIBIL Score should be greater than 700

3. All directors/partners should be in the loan structure.

4. Total exposure should be below Rs. 750Lacs (Only for Gross Turnover Method)

5. School income to be considered only if vintage greater than 7years.

6. ABB Norms should be met in all programs.

7. Out of Geo - To be recommended by collection head & technical head.

 ADITYA BIRLA HOUSING FINANCE LTD HL &

Home Loans

Prime and Affordable segments

Mortgage Loans(LAP)

Prime and affordable segments

Commercial or Industrial purchase or LAP

Open Plot Purchase +CONSTRUCTION

Balance transfer + Topup

 ADITYA BIRLA STSL LAP

PRODUCT REFRESHER | SMALL TICKET SCURED LOAN (STSL) | ADITYA BIRLA FINANCE LIMTED

Product STSL+ STSL

Applicability Legal & Technical to be Positive of Collateral Legal to be Positive & Technically could be Negative

Loan Amount Min: 5 Lac | Max: 50 Lac Min: 2 Lac | Max: 30 Lac

Tenure Min: 12 months | Max 180 months Min: 12 months | Max: 120 months

Minimum Income (PM) 25000/- 20000/-

Eligible Profile Salaried, Self Employed Individuals, Partnership Firm, Pvt. Ltd. Companies

Key Parameters  Spouse of Property Owner or Related Woman (Mother, Sister, Wife & Daughter) to be added on loan structure

CIBIL score >=650, 0/-1; CIBIL Enquires <=7 in last 3months

No bounce on account of insufficient funds in last 3 months of any repayment

Never in 30+ Delinquency in last 3 years and EMI overdue to be NIL

Office or Residence should be owned mandatorily

Tenure for SOIP to be restricted to 84months

Programs STSL+ STSL

Normal Income

(Applicable for Salaried & SENP)

Documentation (Salaried): 3M Salary Slips and 6M Banking

Documentation (SENP) : 2Y ITR & Computation , 12M Banking & GST Returns & Repayment of EMI Loan capping: 50 Lac
Loan capping: 30 Lac

Salaried – FOIR 70% SENP – FOIR 100%

Other Income Considered for Salaried & SENP :

Rental Income (Routed through Banking - 100%, Cash -50%)

Agriculture Income50%

Interest of FD100%

Average Banking Surrogate

 Documentation: 12M Banking, RTR of EMIs Loan capping: 50 Lac Loan capping: 30 Lac

Closing Balance of 1st, 5th, 10th, 15th & 25th of 12months

Savings, Current, CC, OD A/c bank statement areconsidered

Repayment Surrogate(Applicable to SENP running Unsecured/TW/Auto/Mortgage/Term loan/HL)

Documentation: 12M Banking, RTRs EMI Loan capping: 30 Lac Loan capping: 20 Lac

Subjective Cash Flow

(Applicable SENP Customers not filing ITR, Financials and not maintaining bank balance) Loan capping: 50 Lac Loan
capping: 25 Lac

Cash Income & Expenditure assessment basis Daily Sale / Income. If GST applicable, compliance mandatory 12 Months Banking to be
documented.

BT Surrogate

(Multiplier not applicable if customer has taken loan in last 6 months)

Documentation: 12M Banking & RTR of EMIs Loan capping: 50 Lac Loan capping: 25 Lac

Collateral Based Business Loan Loan capping: 25 Lac Loan capping: 20 Lac

Stability Norms Min 2 years (Office or Resi ) Legal will be done only to ensure that the borrower is the title owner of the property Latest
title deed should be stamped & registered

No family transactions will be done

Current title should be owned by the borrower at least for 12 months Search report to be done to
ensure property in the name of borrower Registered Mortgage to be done

Financial

underwriting Normal Incomeor

BankingSurrogate

Documentation: 12M Banking, 2 Years ITR & Financials, RTR of EMIs

Low LTV Program Loan Capping: 50 Lac Loan Capping: 30 Lac

ABB to EMI = 1 on 12 months banking

Checks: Business Vintage Proof, Business Income Proof, RTR of EMIs

 AXIS BANK LAP & WORKING CAPITAL

Our Products cater to diverse business needs

Business Expansion

Day to Day Operations

Meeting inventory requirements

Purchase of Property or Machinery

Facilitating Import/Export

Target Segment/Industries?

Retail & Whole sale Trader

Chemical & Products

Medical/Health Service

Paper & Paper Products

Electronics/Allied

Charted Accountants/Doctors

Education/Academics

Textiles/Manufacturing

Plastic & Plastic Products

Food Processing

Other industries in business sector

DCB HL & LAP POLICY

Age ( Min - Max ) = 25 – 65( Loan Maturity )

Min Income : 2.50 Lacs

CIBIL : >=700 or 0 and -1

Tenor : 15yrs For SEP & 20 yrs For Salaried

Profile : Salaried & Self Employe - ( Secured Loans – Property Colletaral )

Any small business without ITR & business Vintage Proof

Loan Amount ( Min : Max ) = For LAP = 2 - 20 Lakhs.

For HL = 2 - 30Lakhs

Require Documents For Self Employe:

1. Pan

2. Aadhar

3. Current Address Proof

4. Property Documents ( Along with 13yrs Linked Documents )

5. Plan & Proceedings Documents

6. 1 year Bank Statement

7. 1 Photograph

8. Latest Business Proof ( Trade License, Labour License, GST, Udyam Registration.....)

Note : NO income Proof Required....

Require Documents For Salaried :

1. Pan

2. Aadhar

3. Current Address Proof

4. Property Documents ( Along with 13yrs Linked Documents )

5. Plan & Proceedings

6. Latest 4 Months Payslips & Appointment Letter.(** 1 year in current Job Mandatory** )

7. Bank Statement for 1year

8. Photographs 1

9. Form 16 for 2 years ( If Available )

****** Co Applicant is mandatory For all Cases******

S No Co Applicant Document

With Income

Pan or Form 60 ( if not Having Pan) Pan

Aadhar Aadhar

Photograph Photograph

Current Address Proof ( If available )

Without income

Pan

Aadhar

Photograph

Current Address Proof ( If available )

Income Documents

Bank Statement for 1 year

Form 16 for 2 years ( If Available )

CHOLAMANDALAM LAP

We are doing Lap / Mortgage loans for self employed customers ( SEP & SENP )

We accept self occupied residential and commercial properties as collateral.

( Mixed usage properties also)

We have below surrogates

1. ITR ( 3 year IT Returns required)

2. Banking surrogate

3. Low LTV

4. RTR ( BT + Top up)

5. Auto RTR & EMI Equalizer

Till couple of months maximum ticket is 2c

 FULLERTON INDIA LAP

Fullerton India Home Finance Co. Ltd.

We have Started doing Both - Home Loans & Mortgage Loans.

Maximum Loan Amount: Rs.50,00,000/-

Geo Limits: 70 Km

Max Tenor: 180 Months

Cibil Score: Above 700

Collateral Type:

Self Occupied Residential (SORP)

Self Occupied Commercial (SOCP)

Rented Residential

Rented Commercial

Mixed Usage (Residential + Commercial)

Purchase of Commercial Property for Self-Occupation

Industrial Property (Self Occupied and if falling under in Country norms)

Products for Eligibility Calculation:

Income Method (Retail Normal Programme)

Income Multiplier Programme

Low LTV Programme

 Self Assessment Method

HDFC BANK HL & LAP

Home Loans & Mortgage loans (Loan against property - LAP)

Reach (affordable) home loans ( Lower income ) Group Home

loans & Balance transfers (BT) from another bank, and self

construction, Plot + Construction, Vendor BT...

will do loans for all type of profile based on earning capability

No Nevetive profiles

Please contact...

Home loans Rate of interest - 6.90 % - 7.05 % Max

Loan against property (LAP, mortgage) - 8.75 to 9.50 % max

 ICICI BANK HL & LAP

ROI's for Products - LRD / NRP / LAP - Resi & Comm as under:

LRD : 7.75% starting with 750 + Bureau Score.

NRP : 8.00% starting with 750+ Bureau Score.

LAP : 8.35% starting with 750+ Bureau Score.

These rates are very competitive in the market and for limited period.

Let customers know about it and get benefited by availing loans under

REPO rates. It's now or never and expecting 100% support from you.

Thank you.

Note : We do Commercial Purchase / NRP loans to NRI's as well

BT new rates...

Salaried up to 30 Lacs

If cibil 740+ ---> 6.9 %

If Cibil less than 740 --> 7.35%

Above 30 Lacs.

If cibil 740+ ---> 7 %

If Cibil less than 740 --> 7.35%

Self Employed

If cibil 740+ ---> **7** %

If Cibil less than 740 --> 7.35%

Above 30 Lacs.

If cibil 740+ ---> 7.1 %

If Cibil less than 740 --> 7.35%

 Top up : more than 30% :::: 7.70%

ICICIHFC HL & LAP

Deeper Affordable Glimpse:

Segment 1 : Amt 2 to 10 lacs /240 Months

No income and Biz proof.

Carpenter, Electrician, Plumber, Painter, Mistri, Tailors Engaged with. Some

Shop, Welders, Electronic Item Repair Men, Auto Mechanic,

Heavy Machinery Repair Men,

Manufacturing Machine (Example Lathe, CNC) Operator, Laptop / Computer

Repair, RO Repair

Segment 2 : Amt 2 to 10 lacs /240 Months

Temporary structure, Registered with Municipal

Auto spare parts, Garages, Machinery maintenance shops, tea stalls,

Vegetable and fruit shops, Pan-Bidi Shops, Puja Samagri shops, Murti idol

makers, Nurseries, food stalls, Mochi

Segment 3 : Amt 2 to 15 lacs /240 Months

Permanent Structure But no income and biz proof

Retail shops like Kirana Stores, Fruit and Vegetable vendor, Electronic repair

shops, Flower Shops, Garment store, Stationary

shops, Cosmetic store, Book stores, Taxi Drivers / Auto Drivers

Segment 4 : Amt 3 to 30 lacs /240 Months

 Permanent Structure with documentary proof but no
income proof

Retailers / Traders / Foods

stalls / Servicing shops

IDFC FIRST BANK HL

Salaried

• Up to 70% Foir for salaried, min Foir is 60%

• 75% of Incentive / Bonus for Avg of 2yrs
• Employee of Proprietor / Partnership Firms to be funded
• Cash Rental up to 50% can be considered for arriving eligibility
• 100% Rental if it’s by Bank Credit / Declared in ITR (Rental agreement mandatory)
Self Employed Professionals (SEP)

• For Doctors 2 times of Gross Receipt

• For Chartered Accountant / Architect 1.50 Times of Gross Receipt.
• Banking Surrogate Also Applicable to SEP cases
Self Employed Non-Professional (SENP)
• Up to 150% FOIR can be taken
• Under Banking Surrogate ABB to EMI can be 1:1(Up to 3 Cr), for loan amount above 3cr ABB
to be minimum 1.25 times of the proposed EMI (maximum funding is 5cr)
• For Balance Transfer Case we take LTV of 70% and 5% additional deviation can be
taken if a
top-up is included.

Short and sweet Home Loan

• Reduce Your HL Tenure and ROI by Keeping Some Idle Money in Home Loan A/c.
• Amount Parked in S&S A/c can be Withdrawn any Moment Via Debit Card, Net Banking Facility
/ Cheque
• Bundled Features / Offers with Debit Card Such as Free Airport Lounge Access, Personal
Accident
coverage, Fuel Surcharge Waiver, Rs 250 Cash back on Bookmyshow.
Property
• Can do G+2 panchayat Flats (plan and permission mandatory)
• 3rd party funding available for Resale / Fresh Builder Purchase cases
• Above 60 sq.yd we can do it- (Subject to Property Value and Locality)
• 90% Funding on COP / LTV whichever is Lower.

ADDITIONAL USP:
 • Can be funded to trust and society
• SENP max age maturity is 70 years
• NRI-salaried with 60% foir and max tenure is 20 years

IIFL HOME FINANCE LTD HL & LAP

We offer home loan and mortgage loans up to 1 CRORE with 9 %- 10.50%

ROI in HL and 15% - 20% % ROI in LAP.

USP : We offer loans via

*Multi tenented properties

* we consider Notary properties with latest Gift/ Sale deed, GO 58 59,

Gramakantham properties, patta link documents with latest registered

documents

* Cash rental income

* No income proof loans up to 15 lakhs

* No negative area

* No plan properties ( individual house and flats more than 10 years old
 SCB BANK HL & LAP

Financial Based Programs:

1. Net Profit Method.

2. Gross Receipts Method.
3. Turnover Linked Program.
4. LRD
5. Industrial margin
Surrogate Programs:
6. Avg. Bank Balance Program
7. 50:50 Program for Home loan on market value.
8. Repayment track record ( RTR) method.
9. Low LTV for Lap (Applicable for occupied residential properties & Self occupied commercial
property).
Security type:
1. All type of residential properties (SORP & Tenants occupied)
2. All type of commercial properties (SOCP & Tenants occupied)
4. Vacant residential & commercial properties.
6. ABB Norms should be met in all programs.

For HL.
Salaried employee:
Up to 35 lacs ---7.99%
35 to 75 laca--8.09%
75 to above ---8.19%
PF : 0.2%+ GST
Initial Pf cheque: 5900/-
For HL.
Self employed:
Up to 35 lacs ---8.09%
35 to 75 laca--8.19%
75 to above ---8.29%
PF : 0.3%+ GST
Initial Pf cheque: 5900
 For Lap.
Salaried and self employed:
Residential ---10%
Commercial--10.05%
PF : 0.5%+ GST
Initial Pf cheque: 7080

TATA CAPITAL HFL & FSL

Home Equity / LAP

1. Normal Income Prog:

2. Banking Program:

3. GST Program:

4. Low LTV Prog -

40%on property value

5. Gross Receipts Program -

Home Loans

1. Normal Income Prog:

2. Banking Program:

3. GST Program:

4. Low LTV Prog - 50% on property value

5. Gross Receipts Program -

6. Nano: 5L - 30L

7. Assessed Income Program: 5L - 30L

Apart from above we are doing affordable loans upto 45 lakhs.

Self employed without itr's also we can do.

 New Dhamka Pricing for Homeloan -

6.90% Normal Income

7.15% GST

7.25% Banking

YES BANK HL

Top 10 USP of YES Bank Ltd - Khushi HL:

No Negative Profile ( will fund any type of customer profiles)

ROI starting from 9.70% and ending with 12% max Lowest

in affordable Segment

GIO limit upto 100 kms from Hyderabad.

PF 1% for income based & 2 % for non income based

No Simple mortgage No MODT...

Home Purchase, Vendor BT, BT + Top up, Plot+Construction,

Refinance,Home Lmprovement,Self construction,

We have only 3 programs

1) Income Based

2) PD Based ( no income proof & cash salary )

3) Banking ( in this pragrame existing EMIs will not obligate)

- Cash salary calculation - each person will consider 30k &

laon 14 lakhs / person

- priest, pani poori, lawyers, builders, police, Real estate

agents,hackers,pan shop,like any type of profiles will fund.

100% funding on agreement of Sale subject to Market value

and LTV norms. *Max Loan with Lower Margin Money*

 Except CIBIL defaulter we fund every one No negative
Profile

In municipal level apartment if it's more than 10 years OLD,

will fund all floors except base level/stilt floors

VASTU HOUSING FINANCE HL & LAP

Loan Amount upto 1croreROI : 14% HL

ROI : 18% LAP

PF : 2%

INSURANCE : 3%

We completely focus on Affordable without income proof and all types of business set up.

Our USP :

We offer loans via

*PD assessment program

*Multi tenented properties

*Hostel properties

*Cash rental

*Kutcha bills

*All types of bussiness based profiles

*No plan properties

*Subject to case to case we process the files

Salaried in propertiorship and partnership companys also

UGRO CAPITAL LTD LAP

Ugro capital Ltd has come up with new policy.

Program - Saathi loan

1. Loan type : secured loans Min 15lacs to 75lacs

15 - 25 lacs MEL small business funding

Open plot funding up to 50lacs

Up to 50lacs - Only latest sale deed is required as title document and sale
deed must be 3 years old(Notary property also )

2. *Business profile Sectors :

15 - 25 lacs MEL small business funding

25+ - 50lacs Ugro specified sectors as below
Health care : Doctors, Pharmacists, Hospitals/clinics and chemist shops.
Hospitality - Manpower services(only house keeping and High end staff)
Electrical parts & components: All electrical shops and manufacturing and
trading of electrical parts.
Chemicals: Manufacturing, packaging and sales of fertilizers, insecticides
and pesticides and other chemicals.
Food & FMCG : Food items, Dairy products, part of food processing and
FMCG sector.

Flour Mills

Light Engineering: Manufacturing and trading of light engineering products.

Entire supply chain of essential goods and services: medicines, medical
equipment, mask, sanitizers.
3. Loan Tenure : Min 60 months and Max 96months.
4. Eligibility criteria : NIP, LIP, ABB and Net worth assessment
 5. Documents required : KYC +12 months banks
statements, need all soft copies
6. Min Vintage: 3 years
7. Properties: Residential, commercial, Mixed properties and open plot
8. Geo limits Hyderabad to 75kms.
warangal, karimanagar, Nalgonda and Mahabubnagar city limits

SUNDHARAM HOUSING HL & LAP

Home Loans

Mortgage RE Loans(LAP)

NRI Home loans

Open Plot(HMDA / DTCP / Purchase

Open Plot Purchase +Construction

Balance transfer + Top-up

Salaried

25 years

Age up to 60years

ROI 7.85

Self employed

15 years

Age 65 years

ROI 8.35

Note necessary on cibil report. Of ROI

PNB HOUSING FINANCE LTD
LOANS WE OFFER

LOAN AGAINST PROPERTY WITH LTV UPTO 65% (ROI starts from 9.50% to 10.50% )

UNDER LOAN AGAINST PROPERTY WE DO

RESIDENTIAL PROPERTIES, COMMERCIAL PROPERTIES, LRD

OPEN PLOTS WITHIN THE MUNCIPAL LIMITS

SPECIAL PROPERTIES / INDUSTRIAL PROPERTIES

COMMERCIAL PROPERTY PURCHASE.

HOME LOANS WITH LTV UPTO 90% (ROI starts from 7.50% to 9.20% )

UNDER HOME LOANS WE DO

NRI HOME LOANS/SALARIED HOME LOANS/SELF-EMPLOYED HOME LOANS/SELF- EMPLOYED

PROFESDIONALS

READY TO MOVE IN RESIDENTIAL PROPERTIES

UNDERCONSTRUCTION PROPERTIES WITH 90% COMPLETED

SELF-CONSTRUCTION PROPERTIES

PLOT PURCHASE

PLOT + CONSTRUCTIONS

BALANCE TRANSFER

UNNATI HME LOANS WITH LTV UPTO 90% (ROI starts from 10.75% to 12.0%)
 UNDER UNNATI HOME WE DO

RESIDENTIAL PROPERTIES

COMMERCIAL PROPERTIES

FOR SALARIED / SELF – EMPLOYED CUSTOMERS

CUSTOMERS WITH LOW INCOME PROFILE / WITHOUT INCOME PROOFS.

Subject to all terms & conditions.

FEDERAL BANK
FEDERAL BANK is offering Home loan , Mortgage loans, , Auction property purchase loan Subject to credit
Clearance , Commerical purchase loan , Commercial construction loan , Friends combination composite
loan ,BDA auction Purchase loan , Co brother / Co sister land purchase and flat construction loan , Brother
combination/ sister combination home loan and mortgage loans.

1) Market value funding and Guideline value registration

2) Agriculture Property purchase Loan

3) Reimbursement Option - Get 75% of Purchase cost as home loan for Self Funded House / Flat / villa
which are registered in last 6 months to 12 month

4) Home Loan Multi dewelling units construction

5) Home loan for resale or Assignment sale - 85% of agreement value will be financed subject to market
value.

6) Commercial property construction loan

7)Home loan for Auction property purchase and Commercial loan for purchase of Commercial property

8)NRI Mortagage loan and home loan

9) Friends / Family Members / Office Friends / Cousins combination land purchase and flat construction
loan for self occupancy.

10)House construction loan 85% funding on estimate on existing Plot

11)Commerical property Purchase loan

12)loans to Cousins for ancestor property demolition and Joint flat construction Home loan

13)Home loan to purchase life interest of the property from brother / sister

14)Registration cost funding for Customer Pre launch booked Properties in 2015/2016/2017 /2018
 15)Home loans to Companies for purchasing Flat// Villas / House
for accommodating the Directors or promoters.

16)Home Loan Balance Transfer and top up at Lesser rate ( Extension of Tenure for Home loan and Top up
at increased tenure )

17)Loans to Purchase Farm house with Bungalows under Agri scheme

18)Higher loan eligiblity for home loan/ Mortgage loan by adding Agriculture income with Regular income

19) Vendor BT scheme available for Home loan ( 85% of agreement value funding subject to market value )
and Commerical property purchase

Fullerton Gruhasakthi HL & LAP

We have Started doing Both - Home Loans & Mortgage Loans.

Maximum Loan Amount: Rs.50,00,000/-

Geo Limits: 70 Km

Cibil Score: Above 700

Collateral Type:

- Self Occupied Residential (SORP)

- Self Occupied Commercial (SOCP)

- Rented Residential

- Rented Commercial

- Mixed Usage (Residential + Commercial)

- Purchase of Commercial Property for Self-Occupation

- Industrial Property (Self Occupied and if falling under in Country norms)

Products for Eligibility Calculation:

- Income Method (Retail Normal Programme)

- Income Multiplier Programme

- Low LTV Programme

- Self Assessment Method