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Home loan is a secured loan given to individuals who aspire to build or buy a house. The property so purchased is mortgaged in the name of the lending institution as security, till the time the loan is fully repaid.

Mortgage loan or loan against property means the borrower takes a loan which is secured against his residential, commercial or industrial property. The benefit of mortgage loan is that it considers the market value of the property as on date. As such, the borrower can get higher amount of loan. The loan money can be used to meet personal needs and business expansions.

It may be used for working capital requirement, short term finance requiremrnt, Business expansion, Home extension or renovation, Marriage, Travel or education etc.

These limits are provided to expand business against security or without security.

Project finance is a secured loan provided to new entities to start new business.

Loan given to self-employed, professionals or company without any security to full the short term financial needs.

The sanction of business loan is based largely on the creditworthiness of the borrower and the firm. The bank or the financial institutions will first take a look at your firm’s and your credit score and analyze your credit rating before offering loan. They will also look at your financial statements for the past 3 years, bank statements, Nature of business, its current and expected returns and the market trend.

Personal Loan is a collateral free loan based on income documents of individuals. Since this is an unsecured loan thus the borrowers past track records of loans & credit score has to be good.

Personal loan processing is very easy as it required less documents as compare to any secured loan but it always attracts high rate of interest & shorter repayment period.