{"id":3633,"date":"2026-01-25T05:39:35","date_gmt":"2026-01-25T05:39:35","guid":{"rendered":"https:\/\/patelestates.in\/?page_id=3633"},"modified":"2026-05-25T16:01:58","modified_gmt":"2026-05-25T16:01:58","slug":"finance","status":"publish","type":"page","link":"https:\/\/patelestates.in\/?page_id=3633","title":{"rendered":"Finance"},"content":{"rendered":"\t\t
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\u00a0 \u00a0\u00a0Personal Loan<\/span>
<\/strong><\/h3>

A personal loan is a versatile, often unsecured loan for personal use, providing a lump sum of cash based on your creditworthiness, which you repay with fixed monthly installments (EMIs) over a set period. It’s used for various needs like weddings, renovations, or debt consolidation, doesn’t require collateral, and offers fixed interest rates, making budgeting predictable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Unsecured business loan(UBL):<\/strong><\/h3>\n

UBL provides capital without requiring collateral, relying instead on creditworthiness, cash flow, and business performance. Ideal for quick funding, these loans often range up to \u20b91 crore for working capital, expansion, or inventory. Key Aspects of Unsecured Business Loans: No Collateral: No personal or business assets are pledged, reducing risk for the borrower. Approval Criteria: Based on credit history, income, and business vintage. Usage: Used for working capital, equipment, or expansion. Features: Quick, often online, and with minimal documentation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Home Loan<\/strong><\/span><\/h3>

A home loan is a secured financial product offered by banks or housing finance companies to help individuals purchase, construct, or renovate residential properties. The property acts as collateral, and the loan is repaid over a long tenure (typically 10-30 years) through Equated Monthly Installments (EMIs).<\/p>

Key Aspects of a Home Loan:<\/p>

Purpose:\u00a0Buying new\/resale homes, plots, or renovating\/extending property.
Loan Amount & Tenure:\u00a0Lenders typically offer 75% of the property value, with repayment tenures up to 30 years.
Interest Rates:\u00a0These can be fixed or variable (floating).
Benefits:\u00a0Tax deductions are available on principal (Section 80C) and interest (Section 24B) repayments.
Process:\u00a0Involves application, document submission, property verification, sanction, and disbursement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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A Loan Against Property (LAP)<\/span> is a secured
where borrowers pledge their residential,
commercial, or industrial property as
collateral to secure funds from a lender.
It acts as a mortgage loan used for
high-value needs like business expansion,
education, or medical emergencies,
typically offering lower interest rates and
longer tenures (up to 15\u201325 years) compared
\u00a0to personal loans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Lease Rental Discounting (LRD):<\/b><\/span><\/h3>

is a loan where property owners get funds from banks by using their future rental income from leased properties (often commercial) as collateral, essentially the lender “buys” your future rent for an upfront sum, repaying the loan through the redirected rent payments, freeing up the owner from traditional EMIs and unlocking property liquidity without selling it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Collateral:<\/strong>\u00a0Your existing lease agreement with a tenant (often a corporate entity) serves as the security for the loan.
<\/span>Valuation:<\/strong>\u00a0The lender assesses the property’s rental value, lease duration, and tenant’s credibility to determine the loan amount.
<\/span>Loan Sanction:<\/strong> The bank provides a lump sum, deducting the “discount” (time value of money) from the total future rent.
<\/span>Repayment:<\/strong>\u00a0The tenant pays the rent directly to the lender (via an escrow account) instead of the owner, and the lender deducts the loan’s EMI, with the remainder going to the owner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t60+ Financial Partners\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Nido
Nido Home Finance Limited<\/figcaption><\/figure><\/div>
\"Credit
Credit Saison India<\/figcaption><\/figure><\/div>
\"Lendingkart\"
Lendingkart<\/figcaption><\/figure><\/div>
\"Indusind
Indusind Bank<\/figcaption><\/figure><\/div>
\"Indifi
Indifi Capital Private Limited<\/figcaption><\/figure><\/div>
\"SMFG
SMFG India Credit<\/figcaption><\/figure><\/div>
\"Safecap
Safecap Finance Pvt Ltd<\/figcaption><\/figure><\/div>
\"Fintree
Fintree Finance Pvt. Ltd<\/figcaption><\/figure><\/div>
\"Paysense\"
Paysense<\/figcaption><\/figure><\/div>
\"Hero
Hero Fincorp Limited<\/figcaption><\/figure><\/div>
\"FTcash
FTcash finance<\/figcaption><\/figure><\/div>
\"Deutsche
Deutsche Bank<\/figcaption><\/figure><\/div>
\"Federal
Federal Bank<\/figcaption><\/figure><\/div>
\"Union
Union Bank<\/figcaption><\/figure><\/div>
\"Karur
Karur Vysya Bank<\/figcaption><\/figure><\/div>
\"Cholamandalam\"
Cholamandalam<\/figcaption><\/figure><\/div>
\"South
South Indian Bank<\/figcaption><\/figure><\/div>
\"IDBI
IDBI Bank<\/figcaption><\/figure><\/div>
\"IDFC
IDFC First Bank<\/figcaption><\/figure><\/div>
\"Shriram
Shriram Finance<\/figcaption><\/figure><\/div>
\"HDFC
HDFC Bank<\/figcaption><\/figure><\/div>
\"HDB
HDB Financial Services<\/figcaption><\/figure><\/div>
\"LIC\"
LIC<\/figcaption><\/figure><\/div>
\"Bajaj
Bajaj Finance<\/figcaption><\/figure><\/div>
\"Bajaj
Bajaj Finserv<\/figcaption><\/figure><\/div>
\"Sundaram
Sundaram Finance<\/figcaption><\/figure><\/div>
\"DCB
DCB Bank<\/figcaption><\/figure><\/div>
\"L&T
L&T Finance<\/figcaption><\/figure><\/div>
\"Kotak
Kotak Mahindra Bank<\/figcaption><\/figure><\/div>
\"Protium
Protium Finance<\/figcaption><\/figure><\/div>
\"Profectus
Profectus Capital<\/figcaption><\/figure><\/div>
\"Ugro
Ugro Capital<\/figcaption><\/figure><\/div>
\"Clix
Clix Capital<\/figcaption><\/figure><\/div>
\"Capri
Capri Global Capital Limited<\/figcaption><\/figure><\/div>
\"Flexiloans\"
Flexiloans<\/figcaption><\/figure><\/div>
\"Dhanvarsha
Dhanvarsha Finance Limited<\/figcaption><\/figure><\/div>
\"Neogrowth
Neogrowth Credit Pvt Ltd<\/figcaption><\/figure><\/div>
\"Magma
Magma Financial Limited<\/figcaption><\/figure><\/div>
\"Mahindra
Mahindra Finance<\/figcaption><\/figure><\/div>
\"Motilal
Motilal Oswal Home Finance<\/figcaption><\/figure><\/div>
\"JIO
JIO Financial Ltd<\/figcaption><\/figure><\/div>
\"Standard
Standard Chartered Bank<\/figcaption><\/figure><\/div>
\"Bandhan
Bandhan Bank<\/figcaption><\/figure><\/div>
\"CSB
CSB Bank Ltd<\/figcaption><\/figure><\/div>
\"Godrej
Godrej Finance Capital<\/figcaption><\/figure><\/div>
\"Edelweiss\"
Edelweiss<\/figcaption><\/figure><\/div>
\"Arka
Arka Fincap<\/figcaption><\/figure><\/div>
\"Anandrathi\"
Anandrathi<\/figcaption><\/figure><\/div>
\"Poonawala
Poonawala Fincorp<\/figcaption><\/figure><\/div>
\"Aditya
Aditya Birla Capital Finance<\/figcaption><\/figure><\/div>
\"TATA
TATA Capital<\/figcaption><\/figure><\/div>
\"TATA
TATA Capital Housing Finance<\/figcaption><\/figure><\/div>
\"ICICI
ICICI Home Finance<\/figcaption><\/figure><\/div>
\"Central
Central Bank of India<\/figcaption><\/figure><\/div>
\"Axis
Axis Bank<\/figcaption><\/figure><\/div>
\"Shinhan
Shinhan Bank<\/figcaption><\/figure><\/div>
\"HSBC\"
HSBC<\/figcaption><\/figure><\/div>
\"Punjab
Punjab National Bank<\/figcaption><\/figure><\/div>
\"PNB
PNB Housing Finance Limited<\/figcaption><\/figure><\/div>
\"Bank
Bank of India<\/figcaption><\/figure><\/div>
\"Bank
Bank of Mauritius<\/figcaption><\/figure><\/div>
\"Bank
Bank of Baroda<\/figcaption><\/figure><\/div>
\"ICICI
ICICI Bank<\/figcaption><\/figure><\/div>
\"Yes
Yes Bank<\/figcaption><\/figure><\/div>
\"Truhome
Truhome Finance<\/figcaption><\/figure><\/div>
\"Saraswat
Saraswat Bank<\/figcaption><\/figure><\/div>
\"Jana
Jana small finance bank<\/figcaption><\/figure><\/div>
\"Axis
Axis Finance<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t
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\u00a0 \u00a0\u00a0Personal Loan A personal loan is a versatile, often unsecured loan for personal use, providing a lump sum of cash based on your creditworthiness, which you repay with fixed monthly installments (EMIs) over a set period. It’s used for various needs like weddings, renovations, or debt consolidation, doesn’t require collateral, and offers fixed interest […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3633","page","type-page","status-publish","hentry"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/patelestates.in\/index.php?rest_route=\/wp\/v2\/pages\/3633","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/patelestates.in\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/patelestates.in\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/patelestates.in\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/patelestates.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3633"}],"version-history":[{"count":149,"href":"https:\/\/patelestates.in\/index.php?rest_route=\/wp\/v2\/pages\/3633\/revisions"}],"predecessor-version":[{"id":4401,"href":"https:\/\/patelestates.in\/index.php?rest_route=\/wp\/v2\/pages\/3633\/revisions\/4401"}],"wp:attachment":[{"href":"https:\/\/patelestates.in\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}