SECURED LOAN
Home Loan
Loan Against Property
   
SECURED LOAN

A secured loan is a loan in which the borrower pledges asset ( property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan.

 
Home Loan

Having a home of one's own is always a dream for many. We, at CMS Group of CO’shelp you realise this dream by offering you home loan options from a wide range of financial institutions. A home loan, as the name suggests, refers to a to help you. loan taken for the purchase or construction of a living space. Quite obviously, you would want to avail the maximum amount at the minimum rate possible, which is why we, at CMS Group of CO’s, are here to help you

 

  • ELIGIBILITY
      To qualify for a home loan, most of the lending institutions in India require you to be:
    • An Indian resident or NRI
    • Above 21 years of age at the commencement of the loan
    • Below 65 when the loan matures
    • Either salaried, self employed or professionals
    • Minimum Annual Income of Rs. 3 lacs
  • SALARIED
    • Identity proof (pancard, passport, DL,)
    • Current Address proof (latest electricity bill)
    • 6 to 12 months updated Bank statements
    • Income Proof-
      • Latest from no.16
      • Latest Salary slip for salaried individuals
      • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PROPRIETORSHIP
    • Pan card copy
    • Age Proof
    • Signature Proof
    • Passport size photograph
    • Office address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Residence address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports
    • with annexures ( if applicable )
    • Last 12 months Bank Statement for Individual and the Firm
    • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PARTNERSHIP FIRMS
    • Age Proof
    • Signature Proof
    • Passport size photograph
    • Copy of PAN card of partnership firm
    • Copy of PAN card and Passport of all partners.
    • Office address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Residence address proof (electricity bill, water bill, telephone bill, mobile bill).
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports
    • with annexures ( if applicable )
    • Last 3 years ITR with computation of income of all Partners.
    • Last 3 months updated bank statement.
    • Partnership deed.
    • List of Partners with their share holding percentage.
    • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PRIVATE LIMITED & LTD. COMPANIES
    • PAN card copy of Company.
    • PAN card copy of all Directors.
    • Residence address proof (electricity bill, water bill, telephone bill or mobile bill)
    • Office address proof ( electricity bill, water bill, telephone bill or mobile bill)
    • Photograph of all Directors.
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports with annexures ( if applicable )
    • Last 3 years ITR with computation of income of all Directors.
    • Last 3 months updated bank statement of the company and directors
    • Annual Return with ROC reciept
    • MOA / AOA
    • List of Directors and list of share-holders with share-holding pattern.
    • Property Documents (Chain of Agreement, Share Certificate and Society NOC)
Loan Against Property

Loan against property is the most secured form of availing a loan facility. Under this, the borrower pledges a collateral in the form of property ( Residential or Commercial ) against the loan amount. This type of loan serves many purpose like expanding one's business, planning a wedding or funding yourchild's education. But while availing this loan, one needs to state and assure that the loan amount is not being taken for illegal purpose or indulging in any speculative activity.

 


  • ELIGIBILITY
      To qualify for a Loan Against Property, most of the lending institutions in India require you to be:
    • An Indian resident
    • Above 21 years of age at the commencement of the loan
    • Below 65 when the loan matures
    • Either salaried, self employed or professionals
    • Minimum Annual Income of Rs. 3 lacs
  • SALARIED
    • Identity proof (pancard, passport, DL,)
    • Current Address proof (latest electricity bill)
    • 6 to 12 months updated Bank statements
    • Income Proof-
      • Latest from no.16
      • Latest Salary slip for salaried individuals
      • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PROPRIETORSHIP
    • Pan card copy
    • Age Proof
    • Signature Proof
    • Passport size photograph
    • Office address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Residence address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports
    • with annexures ( if applicable )
    • Last 12 months Bank Statement for Individual and the Firm
    • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PARTNERSHIP FIRMS
    • Age Proof
    • Signature Proof
    • Passport size photograph
    • Copy of PAN card of partnership firm
    • Copy of PAN card and Passport of all partners.
    • Office address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Residence address proof (electricity bill, water bill, telephone bill, mobile bill).
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports
    • with annexures ( if applicable )
    • Last 3 years ITR with computation of income of all Partners.
    • Last 6 months updated bank statement.
    • Partnership deed.
    • List of Partners with their share holding percentage.
    • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PRIVATE LIMITED & LTD. COMPANIES
    • PAN card copy of Company.
    • PAN card copy of all Directors.
    • Residence address proof (electricity bill, water bill, telephone bill or mobile bill)
    • Office address proof ( electricity bill, water bill, telephone bill or mobile bill)
    • Photograph of all Directors.
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports with annexures ( if applicable )
    • Last 3 years ITR with computation of income of all Directors.
    • Last 6 months updated bank statement of the company and directors
    • Annual Return with ROC reciept
    • MOA / AOA
    • List of Directors and list of share-holders with share-holding pattern.
    • Property Documents (Chain of Agreement, Share Certificate and Society NOC)
Commercial Property Purchase

We, at CMS Group of CO’s help you in investing for the property which always appriciates. loan taken for the purchase of commercial property is always a smart move towards making big asset for long term. Quite obviously, you would want to avail the maximum amount at the minimum rate possible, which is why we, at CMS Group of CO’s, are here to help you.



  • ELIGIBILITY
      To qualify for a Commercial Property Purchase, most of the lending institutions in India require you to be:
    • An Indian resident
    • Above 21 years of age at the commencement of the loan
    • Age Max 65 years or retirement on loan maturity
    • Either salaried, self employed or professionals
    • Minimum Annual Income of Rs. 3 lacs
  • SALARIED
    • Identity proof (pancard, passport, DL,)
    • Current Address proof (latest electricity bill)
    • 6 to 12 months updated Bank statements
    • Income Proof-
      • Latest from no.16
      • Latest Salary slip for salaried individuals
      • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PROPRIETORSHIP
    • Pan card copy
    • Age Proof
    • Signature Proof
    • Passport size photograph
    • Office address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Residence address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports
    • with annexures ( if applicable )
    • Last 12 months Bank Statement for Individual and the Firm
    • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PARTNERSHIP FIRMS
    • Age Proof
    • Signature Proof
    • Passport size photograph
    • Copy of PAN card of partnership firm
    • Copy of PAN card and Passport of all partners.
    • Office address proof (electricity bill, water bill, telephone bill, mobile bill)
    • Residence address proof (electricity bill, water bill, telephone bill, mobile bill).
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports
    • with annexures ( if applicable )
    • Last 3 years ITR with computation of income of all Partners.
    • Last 6 months updated bank statement.
    • Partnership deed.
    • List of Partners with their share holding percentage.
    • Property Documnets (Chain of Agreement, Share Certificate and Society NOC)
  • PRIVATE LIMITED & LTD. COMPANIES
    • PAN card copy of Company.
    • PAN card copy of all Directors.
    • Residence address proof (electricity bill, water bill, telephone bill or mobile bill)
    • Office address proof ( electricity bill, water bill, telephone bill or mobile bill)
    • Photograph of all Directors.
    • Last 3 years ITR with computation of income, balance-sheet, profit & loss account with all schedules, audit report & tax audit reports with annexures ( if applicable )
    • Last 3 years ITR with computation of income of all Directors.
    • Last 6 months updated bank statement of the company and directors
    • Annual Return with ROC reciept
    • MOA / AOA
    • List of Directors and list of share-holders with share-holding pattern.
    • Property Documents (Chain of Agreement, Share Certificate and Society NOC)
Lease Rental Discount (LRD)

This is a kind of Lease Rental Discount (LRD) based on your rental income .

for further detail please call us

Documentation same as above for all categories



  • ADDITIONAL DOCUMENTS
    • Lease Rental Agreement
Balance Transfer + Top Up

Balance Transfer loans help you pay off an existing secured loan with a higher interest rate, and avail of a loan with a lower rate of interest. You can also avail of “Enhancement” at the time of balance transfer.

Documentation same as above for all categories


  • ADDITIONAL DOCUMENTS
    • List Of Documents (LOD) from existing financer
    • Foreclosure Letter from Existing financer.
    • Loan Sanction Letter
OD / CC / LC

Overdraft facility.

Having an overdraft feature on your bank account gives numerous benefits.
Overdraft account protection is a customized feature which lets you spend beyond what is in your account. If you are qualified, your financial institution can give you overdraft protection although it usually comes with a fee. It is not uncommon to be charged a fee as well as a percentage rate on the amount of money that you use in your overdraft. Overdraft protection can be extremely useful in the event that you do not have enough money in your account for a pre-authorized bill. If you are protected by overdraft you will not get charged a non sufficient funds fee which accompanies a payment in the event that it is declined by your financial institution. It can also be a great back up for unexpected expenses. If you need to dig into your overdraft account in an emergency situation overdraft provides peace of mind that it is there for you to do so.

Cash Credit Account

This account is the primary method in which Banks lend money against the security of commodities and debt. It runs like a current account except that the money that can be withdrawn from this account is not restricted to the amount deposited in the account.The account holder is permitted to withdraw a certain sum called "limit" or "credit facility" in excess of the amount deposited in the account. Cash Credits are, in theory, payable on demand.

We arrange Overdraft and CC facility from various MNC, Nationalise and Co-operative banks.

 
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