Highest Loan Tenure- Loan Against Property

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Unique Selling Point:

1. LAP 25, Highest loan tenure of 25 years in SORP.
2. Design EMI: Principal Moratorium up to 3 years.
3. Eligibility on Cash Profit: Up to 150% of EBIDTA.
4. 100% Depreciation considered as reported in B/L.
5. Banking Surrogate Up to INR 6 Cr.- Balance Transfer Bank EMI added back to Average
Bank Balance.

For Self Employed Non-professional:

Eligibility Program:
1. Cash Profit:
 Loan Amount: Up to INR 10 Cr.

2. Gross Profit:
 Loan Amount: Up to INR 5 Cr.
 The Fixed Obligations to income ratio- 65%
 Lower of actual Gross profit or 15% of Turnover.

3. Banking Surrogate/ABB (i.e., Average Bank Balance):

 Loan amounts up to INR 4 Cr with ABB of 1.5-2.0 Time.
 Loan amounts up to INR 6 Cr with ABB of 3.0-3.5 Time.
 End of Day Balances as on 5,15,25,30 of last 1 year.
 EMI add back in BT case.
 Maximum 3 current accounts (can consider 2 savings account as well).

4. Pure Rental:
 Loan amounts up to INR 2 Cr.
 ITR/Banking/Rent Agreement.
 Fixed obligation to income ratio: 70% of the Net rent.

5. Low Loan to Value:

 Loan amounts up to INR 1 Cr.
 Average Bank Balance/ EMI- 1.25 Times.
 Lon to Value- 50%
 Current account is not mandatory.
  Add 3 current account and saving account banking.

6. Loan Rental Discounting:

 Loan Amount up to INR 25 Cr.
 Tenure up to 10 Years.

Loan to Values:
1. Residential – Up to 70%.
2. Commercial – Up to 65%.
3. Industrial- Up to 55%.
4. Commercial Purchase- Up to 70% of Market Value and 100% of Cost of Purchase.
5. Industrial Purchase- Up to 55% of Market Value and 85% of Cost of Purchase.
ROI:
8.50% - 9.50%

Processing Fee: 1.0% + GST

For Self Employed Person:

For Chartered Accountant- Multiplier of 1.5 on gross receipts- Fixed Obligation to income Ratio
80%.

For Doctors- Multiplier of 1.25-2.0 on gross receipts- Fixed Obligation to income Ratio 80%.

Greetings from "RD Finance Services"

RD Finance Services Deal in all types of loans

· Loan against property (LAP);

· Project Funding;

· Business Loan;

· Overdraft- Cash Credit;

· Loan against Rental Discounting;

· Home Loan;

· Personal Loan.
For more information, you can reach me via @ or call
@https://rdfinanceservices.wordpress.com/9891235790 or connect via email  @
delhireal009@gmail.com.

Thank you for your continued patronage!

Best regards,

Rajesh Kumar

Mob.no. 9891235790

Email Id: delhireal009@gmail.com