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Which lender will mortgage property owned by the HUF and Which lender will consider HUF income for loan eligibility?
Aditya Birla housing finance, ABFL.

Which lender Does Commercial Purchase or Residential Purchased of Chawl Property??

No one do Commercial & Residential chawl property.

Who will do Residential NA Plot of Nashik. LAP requirement ?

AU, Aditya Birla & Piramal

Which lender Does Resturant & Bar property ?

TCFSL, Edelwise, JM finance, Kotak, Chola, ICICI Home Finance

Which Lender Does Market Value strectch?

SBI, IDFC, Godrej, Yes Bank, ICICI Bank, ICICI HFC, Edelwise

Which lender do cibil Issue ( DPD, Bounce) Cases?

Vastu, Hero Finance, Viva, Shriram, Chola, Anand Rathi, JM Finance, Aadhar Finance

Which Bank Provides Highest Foir on Net profit?

Kotak / RBL Bank / ABHFL - Upto 200%
IDFC - Upto 150%
YES Bank / ABFL - Upto 100%

WHICH BANK PROVIDES LOWEST ROI?

HDFC - 8.35%
SBI - 8.45%
Federal Bank - 8.4%
BOI - 8.6%
CBI - 8.45%
Bajaj - 8.35%
L & T - 8.50

Which Lender Does Maximum Funding in builder purchase?

Lender
ABHFL
Bajaj
Tata
SBI

Which Lender provide High Ticket Size in Banking Surrogate?

Lender
 Edelwise
AXIS
Yes Bank ( 1 Company )
Yes Bank ( 2 Company )
Poonavala
Tata Capital
ICICI Bank
HDFC Bank
Chola
Indiabulls
Fulletron
L&T

WHAT IS BANKING SURROGATE Date?

ABB is generally calculated for dates 5, 10, 15, 20, 25. For Last 1year/6 months depending upon bank.

Which Lender Does Under construction Property & BT ?

All NBFC & Banks do Under constrction Property But APF is mandatrory. ( Axis, HDFC, ICICI, Yes, IDBI)

Which Lender has Nil Login Fee, PF & Legal Technical in PSU bank?
Union Bank Of India.

Which Lender Does Under construction Top Up ?

No one give Top Up for under construction property.

Which lenders does dominated Area ( Mumbra & kusa) property?

DCB, Priamal, BOB

Which Bank Provides Highest Foir on Income?

IDFC / Bajaj / SBI / Yes Bank.

Which bank consider future rental?

SBI, LIC, (ICICI/IDFC/BOI / CBI Ready possion property can be consider),

Who is doing LAP OD product ??

Deutsche Bank, Bajaj, Standard Charter, IDFC, ICIC

Who is doing HL OD / Home Saver Product ??

Federal, ICICI, SBI, BOI, CBI, Kotak, Axis, IDFC

Who does 6 months track BT

ICICI home finance,

Who does Grampchyat

ICICI Home First / Tata / Piramal / au Small Finance / DCB / ABHFL/ Ambit / Aadhar Housing / Fed fina bank /
Homeville Group / Hinduja Housing Finance LTD / Kotak / Protium Finance LTD / Godrej

Who is doing Gaonthan property?

Ambit / Aadhar Housing / Hinduja Housing Finance LTD / Homeville Group / Protium Finance LTD

Who is doing Pagadi system

Aadhar Housing Finance (If Society register)

Dutch -
Kotak -
ICICI -
e for loan eligibility?

Percentage of AV
97.50%
97%
95%
95%

Ticket Size
 5 Cr
5 Cr
5 Cr
7.5 Cr
5 Cr
5 Cr
5 Cr
5 Cr
7 Cr
5 Cr
3 Cr
5 Cr
ng / Fed fina bank /
 LAP Loan Policy
Products Available
Documents Required
Income Documents
Property Document
Property Type
Property Jurisdiction
Eligibility
FOIR
Tenure
CIBIL Requirment
Reason for rejection
Calculation Salaried
Banking

Normal Income

Calculation SE
Banking

Normal Income
Normal Income
 LAP Loan Policy
5) Repayment Track
6) GST Surrogate
- All Director's PAN Card & Aadhar Card
"- Latest 1 year Bank Statement from where EMI is served
- Foreclosure Letter
4) Commercial
5) Godawon / Gala / Factory / School / Petrol Pump / Hospital / Redevelopment
Municipality
SE - 1.80. / Gram Panchayat / Gaothan
Abb - Minimum - 15 K Monthly
Minimum - 50% & Max - 80% (Subject to higher Salary & Net Profit )
15
Min 600 Profile
Negative
Valuation Challenges"
Calculation Salaried
NA
Salaried
Total Income
Less: Tax Paid
Income After Tax (p.a.)
FOIR
Income after FOIR p.a.
Income after FOIR p.m.
Less: Existing Obligations
Eligible Income for the loan
Tenure (p.a.)
ROI (p.a.)
Eligible Loan Amount
Calculation SE
12 Months Average ABB
Net Profit
Dep
Interst
Total Income
Less: Tax Paid
Income After Tax (p.a.)
FOIR
Income after FOIR p.a.
Income after FOIR p.m.
Less: Existing Obligations
Eligible Income for the loan
Tenure (p.a.)
ROI (p.a.)
Eligible Loan Amount
8928548659
 State City Property Type Property Jurisdiction LTV
Maharashtra Mumbai/Navi Mumbai Residential Municipality 80%-90%
Residential Gram Panchayat 80%-90%
Residential Gouthan
Commercial Municipality
Commercial Gram Panchayat
Commercial Gouthan
Industrial Municipality
Industrial Gram Panchayat
Industrial Gouthan
 Documents Required Special Condition
- Seller Agreement For SRA/Mahada/MMRDA
-- Chain Agreement
Seller Agreement --NA NOC fromfrom
Order Authority
Collector/Gram Panchayat
-- Chain Agreement
Seller Agreement -- 7/12 Order
NA Order from Collector/Gram Panchayat
-- Chain Agreement
Seller Agreement -For 7/12 Order
Redevelopment
-- Chain Agreement
Seller Agreement -- Redevelopment Agreement Required
NA Order from Collector/Gram Panchayat
-- Chain Agreement
Seller Agreement -- 7/12 Order
NA Order from Collector/Gram Panchayat
-- Chain Agreement
Seller Agreement - 7/12 Order
-- Chain Agreement
Seller Agreement - NA Order from Collector/Gram Panchayat
-- Chain Agreement
Seller Agreement
- Chain Agreement
 Municipality
Gram Panchayat
Gouthan

Add ZP
 Home Loan Policy
Products Available
Documents Required
Income Documents
Property Document
Property Type
Property Jurisdiction
Eligibility
FOIR
Tenure
CIBIL Requirment
Reason for rejection
Calculation Salaried
Banking

Normal Income

Calculation SE
Banking

Normal Income
 Home Loan Policy
5) Repayment Track
6) GST Surrogate
- All Director's PAN Card & Aadhar Card
- Latest 1 year Bank Statement from where EMI is served
- Foreclosure Letter
4) Commercial
5) Godawon / Gala / Factory / School / Petrol Pump / Hospital / Redevelopment
Municipality
SE - 1.80. / Gram Panchayat / Gaothan
Abb - Minimum - 15 K Monthly
Minimum - 50% & Max - 80% (Subject to higher Salary & Net Profit )
35
Min 600 Profile
Negative
Valuation Challenges
Calculation Salaried
NA
Salaried
Total Income
Less: Tax Paid
Income After Tax (p.a.)
FOIR
Income after FOIR p.a.
Income after FOIR p.m.
Less: Existing Obligations
Eligible Income for the loan
Tenure (p.a.)
ROI (p.a.)
Eligible Loan Amount
Calculation SE
12 Months Average ABB
Net Profit
Dep
Interst
Total Income
Less: Tax Paid
Income After Tax (p.a.)
FOIR
Income after FOIR p.a.
Income after FOIR p.m.
Less: Existing Obligations
Eligible Income for the loan
Tenure (p.a.)
ROI (p.a.)
Eligible Loan Amount
 8928548659

900000
27600
260000
667600
65%
433940
36162
15000
21162
20
9%
2,352,012.47 -£21,161.67
 Business Loan Policy
Products Available
Documents Required
Income Documents
Eligibility
FOIR
Tenure
CIBIL Requirment
Reason for rejection
Calculation
For Ex.
 Business Loan Policy
Banking Surrogate
Repayment
address Proof Track GST Surrogate
Passport Photo Detail sheet Obligation Sheet Sanction Letter Rent Agreement office &
Residential
- 1 Year Bank Statement& office both are rented ownership proof required
If Residetial
--12 months
Banking GST Return
- Normal Product Mininum ABB 1Lac & Small Produce - 50 K - GST Programme 12 months
Turnover * Industrial margin * Foir% - Obligation - Normal Income - DSCR 1
60-65% of Income
36 Months
CIBIL should be 700+, last CIBIL should be 675+ No more than 10 Enquires last 3 months. Latest
disbursement
Negative PD
Business Turnover & Net Profit Drop
(-) Obligation
Net Eligible Income (Loan Amt will be determined on this)
Net Profit + Depreciation + Interset On Loan
- Tax On Saral Page
Gross Eligible Income
Obligation
Net Eligible Income
 XXXX 8928548659
- XXXX
208000
8000
30000
15000
15000
 Personal Loan Policy
Products Available
Documents Required
Income Documents
Eligibility
FOIR
Tenure
CIBIL Requirment
Reason for rejection
Company Cat
Calculation

For Ex.
 Personal Loan Policy

Agreement Notery / Register Light Bill/ Bank Statement / Sale Agreement / Index 2 / Gumasat Licience /
Udyam
- 2 Years Certificate
ITR / GST certificate
-- 1 Year Bank
Minimum Statement
Net Profit should be 300000 p.a. Below 50 Lack Small Portfile Programme 50 Lac Turnover Large
portfile programm
65%60ofmonths
PL: Incometo 172 months
OD: Minimum 36 Months to Maximum 96 months
Minimum CIBIL should be 650+ (-1 accepted)
Call not taken
No calls taken on
on latest DPD loans when there are DPD
unsecured
CIBIL below 650
Cat B: 25,000 & Above
Cat C: 25,000 & Above
(-) Obligation
Net Eligible Income (Loan Amt will be determined on this)

Net Salary
Foir 60%
Gross Eligible Income
Obligation
Net Eligible Income
 Hero, Incread, IIFL, L& T - 15 K salary taken call

XXX
50%

50000
30000
30000
15000
15000
 Used Car Loan Policy

Products Available
Documents Required
Income Documents
Eligibility
FOIR
Tenure
CIBIL Requirment
Reason for rejection
LTV
Calculation
For Ex.
 Used Car Loan Policy

Aadhar Card/ Owner Ship Proof

Business Proof (For self-employed)
- 2 Years ITR
Banking- 1 years for Bt Or 6 months for Pruchase/Refinance
Self Employed
- Minimum
Salaried: 65% Net Profit should be 1,80,000 p.a.
Self Employed: 2x of Net Profit (Max 3x)
5CIBIL
YearsCalls taken by NBFC
Multiple Enquiry(2not
Recent bounce considered
bounces allowed in 12 months track) but current 3 months not allowed.
Previous Track (2 bounces allowed)
Top-up: 150 to 200% of Market Value
Refinance/Repurchase:
(-) Obligation 90% of Market Value
Net Eligible Income (Loan Amt will be determined on this) XXX
70%
Salary 40000
FOIR 65% 26000
Eligible Income 26000
Obligation 8000
Net Eligible Income 18000