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Myths

Common Myths About Loan Against Property

When it comes to property matters, most Indians prefer discussing things with their friends and family members rather than seeking the guidance of a professional or an expert. This often leads to false truths and confusion on these crucial matters. One such field where there are too many myths floating is loan against property. If you are in financial distress, it is likely that you are exploring LAP, a loan against property, but you need to bear a few things in mind before opting for the same. [B-01] The interest rates on loan against property have been slashed recently. So, if you or someone you know is in need of a business loan or is in some financial need, opting for a loan against property might be the right thing to do. However, it is also vital that you do not get swayed by misinformation. We are here to bust some common myths about loan against property. Myth #1: Property, once pledged, cannot be used.Many people believe that if you have availed of a loan against property, you will lose your right to use it. This is nothing but a myth. If you have not defaulted on your payments, you are still the owner of the property, and thus, the property stays in your possession. Even if you pledge it, there are no constraints on the usage.However, as LAP is a secured loan, in case you default on the repayments, the lender would be able to auction the property. Myth #2: LAP can only be against residential property.Another misinformation about loan against property is that it can be against residential property only. You would be eligible for LAP, regardless if the property is residential, commercial or lease-rent discounting depending on the lender. Myth #3: One should always go for the loan with the lowest rates.This may seem tempting, but remember, this too is a myth! You need to check whether, along with a low rate, the institution is also charging higher penalties for pre-payments or any other hidden costs and fees etc. Unless you are cautious about these seemingly ‘small’ details, you may end up paying much more than what you were expecting.Reading the offer document in detail is very important. Make sure you understand all terms and conditions well enough so as to avoid any heartburn later. Myth #4: Pre-payment of LAP will be a costly affair.Well, this is not completely true. Pre-payment charges are levied generally in the initial few years. However, with time these charges may be reduced.It is also a fact that while pre-paying your loan against property, some lender companies charge you while some do not. Some banks/ financial institutions allow a pre-payment up to a certain percentage of the outstanding amount of loan, in one financial year. Myth #5: You can borrow the full value of your property.Sadly, this is also a myth. You will not be given a loan corresponding to the full value of your property. While some lenders offer a generous 70% of the property as a loan, there are some who offer only up to 50%.Apart from the company policies, these numbers also depend on the resale value of the property, it is, therefore, highly recommended that you first get a fair estimate about the value of the property that you are going to pledge. Myth #6: If your Credit Score is high, LAP is guaranteed.If you are someone who enjoys a good credit history and never miss your EMIs, then your LAP may be passed easily, however, it is not an eligibility criterion. Your CIBIL score will surely be taken into consideration when you apply for a loan against property, but remember that it is not the only deciding factor. [B-02] To Summarise: Loan against property is a great financial aid that you can avail in times of your business or personal requirements. Longer tenures and easy to pay EMIs are some key benefits of LAP. The rates offered are quite attractive. All in all, loan against property is a great option if you steer clear of the myths and understand the product better.

08-11-2023

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What Is Working Capital Loan?

Working Capital is an indicator of the financial condition of an organization or a company. Working capital indicates an organization’s liquidity levels, operational efficiency, and short-term financial health. Often referred to as Net Working Capital (NWC), it is the difference between the current assets (like cash, accounts receivable, unpaid bills, and inventories) and current liabilities (like accounts payable and debts) of a company. Company operations like inventory and debt management, revenue collection, and supplier payments give an idea of a company’s working capital. What is a Working Capital Loan? A Working Capital Loan is a loan to support day-to-day operations, ranging from paying employees’ wages to covering accounts payable. Business houses do not often have regular sales or revenue throughout the year, and thus, the need for capital to keep the operations going may arise. Banks and other Non-Banking Financial Institutions offer working capital loans to help offset your working expenses during such a low sales/revenue period. Companies with seasonal business cycles, cyclical sales, or reduced business activity periods require such a loan. These loans may be secured or unsecured, and you may or may not be required to pledge collateral to avail of the loan, depending on the loan amount and the financial condition of your business. Uses of Working Capital loan A Working Capital Loan is a type of business loan used to meet your short-term liabilities or financial obligations. It is not meant to fund your business expansion or asset purchase plans. The loan could be utilized for: Payment of monthly overhead costs (such as electricity, rent, salaries, and other day-to-day expenses) Purchase of raw materials Purchase of inventory Finance blocked payments from debtors Paying suppliers in advance Maintaining a healthy cash level Who Needs a Working Capital Loan? A Working Capital Loan is mainly applicable to small and medium enterprises (SMEs) and usually has a 6-48 month loan tenure. It is suitable for business houses that do not often have regular sales or revenue throughout the year. Thus, the need for capital to keep the operations going may arise. A working capital loan is an excellent choice for companies with cyclical sales or seasonal business cycles or even during periods of reduced business activity to sustain operations throughout the year. Who Can Apply for a Working Capital Loan? You are eligible to apply for a Working Capital Loan if you are: An entrepreneur, private or public company, partnership firm, sole proprietor, MSME, self-employed professional or non-professional. Above 21 years and below 65 years of age. Types of Working Capital Loan All banks/ lenders offer almost similar types of Working Capital Loans: Overdraft Facility or Cash Credit Term Loan Bank Guarantee Packing Credit Letter of Credit Accounts Receivable Loan Post Shipment Finance Features of a Working Capital Loan Loan Amount: It depends on the business requirements and experience and is customized to meet the business’s financial needs. Loan Tenure: Ranges from 6-48 months Interest Rate: Varies from lender to lender. Collateral: Working Capital Loans can be either secured or unsecured. Repayment: The repayment schedule is designed to match the business’s cash flow. Processing Fee: Banks charge a processing fee against the working loan sanctioned. Hassle-free loans: Easy-to-meet eligibility criteria and approved in 24 hours Flexible Withdrawals and Pre-payments: Flexibility in withdrawal of required working capital loan as and when needed. No prepayment charges are applicable either. [B-02] Key Takeaways A thorough understanding of Working Capital and its features can help you apply for a Working Capital Loan to meet your business needs. In short, working capital loans help businesses manage sales fluctuations, maintain a cash reserve, help take bulk orders, and equip to leverage trade opportunities.

08-11-2023

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Understanding Home Construction Loan

In contrast to buying an already constructed home, you may want to build a home according to your own needs. However, to construct a home, you would require enough capital to meet the financial requirements of the different aspects of building a home such as buying a plot, paying the labor, and others. A home construction loan help you get the money you need to build your home. In this article, you can understand the entire process of a home construction loan. [B-01] What is a Home Construction Loan? A home construction loan is simply a short-term home loan that can help you financially provide for the entire construction process of your home. Usually, home construction loans are offered for a lesser tenure compared to other loans. With this loan, you can cover the costs of the land, building material required, contractor labor, permits needed for home construction, and many more. More often, home construction loans include a particular contingency reserve that can be used to cover unexpected costs that may come up during the construction process. How Do Home Construction Loans Work? If you are planning to build a home, you may already have decided on a particular plot of land or a neighborhood to build your home. The bank or lending institution considers factors such as the neighborhood of the plot and others while sanctioning the loan. Let us have a look at the home construction loan process. Most construction loans cover the costs of buying a piece of land as well as constructing a home on that piece of land. Depending on your financial needs, it is best to check these terms with the lender before going ahead with the loan process. By covering both the costs of the land and construction, lenders tend to have more involvement in home construction loans compared to standard home loans. Once you’ve secured the loan, the lender will pay the builder in regular intervals depending on the phase of the construction. The lender first checks the progress of the construction and then releases funds accordingly. Before the construction is completed, you will only have to make interest payments. After completion of the house, you should start repaying the borrowed loan capital amount in EMIs. Types of Home Loans There are 5 main types of home loans. 1. Construction-Only Loan This loan only provides funds that are needed to complete the construction of the house. The borrower is responsible to repay the entire loan during maturity or get a mortgage to secure permanent financing. 2. Construction-To-Permanent Loan These loans allow you to borrow money to pay for the cost of constructing your home. The overall fees would be reduced as you have only one set of costs to pay. 3. Renovation Loan You can take out a renovation loan if you have been planning to upgrade your existing home rather than building a new one. 4. Owner-Builder Construction Loan These loans are either construction-only loans or construction-to-permanent loans wherein you also act in the capacity of a home builder. 5. End Loan Here are some tips for house construction that can come in handy. Select the builder carefully Investigate the area in which you want to build your home Hire a lawyer Don’t overbuild Don’t select a builder based just on their bid Decide the neighborhood carefully Note down your requirements before approaching the builder [B-02] In a Nutshell A home construction loan can help you build the home of your dreams. You can pick any type of home construction loan depending on your needs. If you are looking to avail of home construction, Piramal Finance can help you with one while offering benefits such as quick loan sanctions.

08-11-2023

Home Loan

Tips And Advice For Loan Against Property

Whether you are a salaried employee or a businessman, the first thought that comes to mind when you are facing a cash crunch is to apply for a loan with a financial institution. There could be various reasons where you would require funds to meet exigencies such as a child’s higher education, a medical emergency in the family, cash flow concerns in the business, or when you plan to expand your business. A loan against property or LAP can be a good option that can aid in meeting your fund’s requirements. Being a secured loan the interest rates offered by lenders are lesser as compared to other loans. [B-01] What is a Loan Against Property? A loan against property is a secured loan where you pledge your commercial or residential property as collateral to the lender in exchange for a loan. It can help a borrower take care of their cash flow needs by mortgaging their property and the higher the value of the property, the higher the loan amount. As long as you can establish the ownership of the property in your name, you are good to go. In case of disputed property offered as collateral or if the documents establishing property ownership are not clear, the chances of loan application being rejected is much higher. Loan Against Property Benefits A loan against property is a preferred option while looking for a loan to deal with a cash crunch you are facing as an individual or to address the cash flow issues of a business.Some of the key benefits of a loan against property are listed below Longer repayment tenure – A loan against property is a secured mode of finance that comes with lower interest rates offered by financial institutions as compared to a personal loan. The interest rates could be different for residential and commercial properties. Easy availability – A loan against property is fairly easy to avail of, because the lender has a guarantee for the money they are lending. A hassle-free loan approval process and quick sanctions make it a favoured option for the borrower. Lower EMIs – A longer repayment tenure means EMIs are spread out for a long period hence the monthly installment amount is nominal. This helps in keeping the EMI repayment easier without affecting your monthly household budget. Ownership of the property – A borrower maintains ownership of the property even when using the funds sanctioned through the loan against the property. It allows borrowers to unlock the value of a piece of land he/she owns while still using the property during the loan tenure. Tips for Loan Against Property A loan against property can be used for multiple purposes ranging from taking care of medical exigencies to going on a long vacation. Listed below are some important tips to be kept in mind before applying for a loan against a property. Evaluate repayment capability – The monthly income of a borrower is one of the major parameters considered while evaluating their repayment capability. Ideally, the EMI amount should not exceed 50% of the monthly income to ensure easy repayment. Assess your eligibility – Eligibility criteria for a loan against property can be different for different banks and financial institutions. One of the key pieces of advice to ensure loan approval is to assess your eligibility based on the criteria set by different lenders. Maintain a good credit score – A good credit score improves your chances of loan approval and can help in getting lower interest rates when applying for a loan against property. It is prudent to check your CIBIL score before applying for the loan. A good credit score instills confidence in the lender and proves your creditworthiness to the lender. Ensure proper documentation – One of the important factors to ensure the loan is approved by the lender is to provide proper documentation. Documents are required to establish the borrower’s ownership of the property against which the loan is being sanctioned. Once received, the lender verifies the property documents to ascertain the market value of the property. [B-02] Bottom Line In a nutshell, a loan against property is a viable option to consider when looking for avenues to finance your personal and business-related fund requirements. Multiple benefits such as higher loan amount, longer repayment tenure, and lower loan against property interest rates make it a preferred alternative to a personal loan. However, while applying for the loan be mindful of the fact that defaulting in repayment can affect your credit score and can lead to legal hassles.

08-11-2023

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What Is Business Loan Fees And Charges

Easy access to capital is the lifeline that nurtures businesses. A business loan can provide capital to meet various business-related requirements. Be it delay in payments by debtors, plans to grow your business, purchasing additional inventory, or dealing with the cash flow issues because of the lag between payables and receivables. But before you apply for a business loan from a financial institution, it is prudent to understand the various fees and charges associated with it. [B-01] Processing Fees The processing fee is the amount charged by the lender for processing the loan application of a borrower. It is a one-time charge and is deducted from the loan amount at the time of loan disbursal. It includes checking your CIBIL score, loan approval charges, and administrative charges. The processing fee amount varies from lender to lender. Interest Rate A business loan interest rate is the amount charged by the lender to the borrower as a percentage of the principal loan amount. An interest rate can be charged on both, monthly and annual basis. The interest rate is typically calculated on an annual basis and is called APR (Annual Percentage Rate). Late Payment Charges An Equated Monthly Installment is the fixed amount of money paid by the borrower on a specific date of each month during the tenure of a loan. It is advisable to ensure that you keep your account funded on or before the due date of EMI deduction. Any delay or non-payment of EMI on the due date negatively impacts your CIBIL score. The penalty levied for the delay in EMI repayment is called late payment charges and can be different for different lenders. Non-payment of EMI could be because of signature mismatch or insufficient funds in the account. Online Convenience Fee A business loan fee charged by the lender for providing online services to the borrower is called an online convenience fee. The online convenience fee is a nominal amount paid for online services such as obtaining a login ID and password for the loan account. Most financial institutions these days have apps that can be used to keep track of your business loan and these apps are available for free. Documentation Fee To get a business loan, a borrower has to submit the required documentation to the lender. The business loan fees charged by the lender for the services of the employee handling the paperwork is called documentation fee or document processing charges. This fee varies based on the lender and the type of business loan applied. Prepayment Fees A business loan infuses the required capital in your business which can be used for addressing the cashflow concerns and growing your existing business. Let’s suppose your business does well and starts generating a steady revenue stream. You might think of being debt-free by repaying the pending loan amount at one go instead of monthly EMIs till the completion of the loan tenure. A penalty or a fee charged by the lender for the early closure of the business loan is called a prepayment fee or foreclosure fee. Business Loan Process Listed below are some simple steps for getting a business loan Identify your loan requirements and assess the eligibility by visiting the lender’s website. Select the type of business loan as per your business needs. Choose the lender based on the interest rates offered, business loan charges, and the tenure of the loan. Evaluate your chances of getting the loan approval. Gather the required documents. Fill out the application form and apply for the loan. [B-02] Bottom Line As a business owner, you are constantly looking for ways to grow your business. A business loan is a financial tool that can help you with the funds required to expand your business. But before you apply for a business loan with a financial institution, you should be aware of the various business loan fees and charges Refer to the points above to understand the charges/fees taken at the time of loan processing by the financial institutions.

08-11-2023

Tips & Advice

How Credit Score Impact Your Home Loan Interest Rate?

A home is an expensive purchase altogether. Many times, people do not have the required finances to buy a home. As a result, they opt for a home loan to gain financial support to buy a home. When you are preparing to buy a home with a home loan, it is best to do your research and pick the best home loans with competitive interest rates. When it comes to getting the best interest rate, there is something that is more important than saving up enough for your down payment. It is wise to keep an eye on your credit score. It plays an important role in the interest rate of your home loan. In this article, we will dive deep into how your credit score can affect your home loan interest rate and how you can improve your score. [B-01] What Is A Credit Score? A credit score is a 3-digit number that records all your financial habits. It is a measure of your creditworthiness. This credit score ranges between 300 and 900. They are calculated by the credit bureaus in India after considering several factors such as repayment history, debt, credit inquiries, and others. It is usually recommended to have a credit score of or above 750. A higher credit score indicates that you are a financially responsible individual with high creditworthiness. So, if your credit score is below the recommended range, it is best that you improve your credit score before applying for any type of loan. Why Is Your Credit Score Important? Your credit score is crucial as it helps determine the interest rate at which credit is offered to you. It also determines the interest that will be charged on your home loan. Many insurers also consider your credit score to determine the premium to be charged on your insurance policies. So, it is important to have a good credit score to avoid paying high interest rates. You can leverage a good credit score into a great deal on your home loan. How Does Your Credit Score Impact Your Home Loan Interest Rate? From the perspective of the bank or the lending institution, they would be lending you money for a certain period of time. If you have a poor credit score, this would mean you have had a history of poor financial habits, including repayment of loans. In such a scenario, the lenders are at a higher risk. As a result, they charge a higher interest rate to ensure that they collect a reasonable amount of money over a shorter period of time. In contrast, if you have a good credit score, lenders would be willing to reduce the interest rate due to your good repayment habits, which thereby translates to a lesser risk. A small decrease in your interest rate can lead to a large sum throughout the home loan, considering the timelines for home loans, which are usually longer. How To Improve Your Credit Score? If you don’t have a good credit score, you can improve your score by following a few practices regularly. Here are 3 tips that can help you boost your credit score. 1. Be Timely With Your Credit Dues Whether your credit card bills or a loan, it is best to repay your dues on time. Late payments can negatively affect your credit score. So, always remember to make your payments on time. 2. Settle Your Late Bills Having unattended dues can hurt your credit score. So, make sure you have a tab of all your pending dues and settle them as soon as possible. 3. Check Your Credit Report In some cases, it could so happen that your credit report has errors. Check your credit reports to ensure that it is error-free. [B-02] Final Thoughts When it comes to the interest rate of a home loan, credit score is an important aspect. A good credit score can help you get a lower interest rate, making your repayments more affordable. Ensure you maintain a good credit score before applying for a home loan.

08-11-2023

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Difference Between Short Term And Long Term Home Loan

Planning to buy a dream home is indeed a big move and perhaps something almost everyone aspires to. But, unless one has a lot of money saved, all you need is the right home loan to fund the purchase. To sanction a home loan, banks and financial institutions take into account certain eligibility criteria such as the financial condition and age of the borrower, loan tenure & amount, and the borrower’s credit score. The recent decline in interest rates, availability of many loan options to choose from and hassle-free home loan processing has made it possible to turn this distant dream of many Indians into a reality. Although there are ample lenders providing housing finance in the market, before applying for a loan, one must carry out detailed research to find the best option that suits one’s need. [B-01] Types of Home Loans Financial institutions and banks usually provide two types of home loans: Short-term Long-term Short-term Home Loan Long-term loans are loans that are repaid over a long duration. The loan period varies from over a year to up to even 30 years. These loans are characterized by high loan amounts and lower interest charges. The key benefits of long-term loans are: The ability to borrow a significant amount Lower interest rates charged on loans Affordable repayment schedules The demerits of these loans are that the borrower makes an overpayment of amounts that could otherwise be saved due to the long repayment tenure. Comparison Table: Short-term Home Loan vs. Long-term Home Loan. [B-02] Summary There is no thumb rule as to which loan is the best – it all depends on what the needs are. Both these home loans (short-term and long-term) have their pros and cons and are meant to serve specific needs. To opt for a short-term or a long-term home loan depends entirely on the borrower’s repayment capacity. When a borrower considers which type of home loan to opt for, the things that matter are: (1) the loan amount required (2) how fast the loan is needed, and (3) the financial strength and ability of the borrower to pay back the loan.

08-11-2023

Tips & Advice

When Should You Take A Business Loan?

A business is not only a medium of livelihood, but it is the result of a businessperson's blood, sweat, and savings. Many things are responsible for the success of a business; however, the most important one is funding. Funds are the basis of everything happening within the company/enterprise. But funds can also be a limiting factor for your business at times and at that point business loans would come to your rescue. A business loan is a one-shot solution to ensure your business faces no issues. Moreover, getting a business loan online at Piramal Finance is the easiest thing to do. Let us take a look at the reasons for which you should take a business loan: For a New BusinessEvery business must take its first step by completing many pre-opening procedures and setting up. Capital is the most important thing to fund all of these, and taking a business loan for this purpose can reduce the burden on the owners. For Business ExpansionIf a business is going well and the owners would like to expand it, a business loan would help a lot. It can be used to finance the production of new products, promotion and marketing, recruitment, etc. For Renovation PurposesIt is absolutely important to keep your office spaces updated at all times to attract more customers. Taking a business loan would be the best idea if you would like to renovate the place and add new and advanced equipment. To Grab New Business OpportunitiesIf there is a business opportunity in the market and you are willing to grab it, then you might need funds. Business loans are there to fund you everywhere and every time. To have the edge over Your CompetitorsToday, when competition is present in every field, staying ahead of your competitors is very important. Digitising your business, installing advanced technology machines, switching to better software, etc., can all be done with the help of a business loan. Key Features of Business Loans at Piramal Finance Here are the following features that will showcase why you should always choose PCHF for a business loan: Wide Range of Collaterals are AcceptedWhen you apply for business loans, you have the option of using collateral. PCHF understands the need for money in business and, therefore, accepts a wide range of collateral or property against a secured business loan. Hassle-Free and Quick ApprovalsUnlike in the past, getting a business loan online has become a relaxed job. PCHF recognises your valuable time and thus follows the rule of quick approval and disbursal without causing you any hassle. Higher Loan AmountsPiramal Finance offers high business loan amounts that can go up to INR 25 lakhs to help cater to the needs of all types of businesses. Personalised SolutionsWith products specially designed for customer benefit, PCHF has a team of dedicated relationship managers who assist loan aspirants at every stage. Low Interest RatesPCHF offers business loans at 12.5% interest for all salaried as well as self-employed personnel. How do you apply for a business loan at Piramal Finance? If you have to apply for a business loan online, there are some easy steps to follow: Visit the online portal of PCHF and read about business loans Once satisfied, click on “Quick Apply” Fill the form with all valid details and submit Wait for a representative to contact you and further assist you with the process [B-02] Conclusion Business loans are a boon for businesses with the required potential but only need a push to go a long way. Piramal Finance provides the best online business loans with a lot of benefits. Moreover, the online application process for a business loan is indeed easy. So, if you or anyone you know plans to apply for a business loan, PCHF is the place to be.

08-11-2023

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Different Types Of Business Loan

What is a business loan? A business loan, in simple terms, is the capital provided by a lender to a business owner. A lender can be a bank or any NBFCs in India and a business owner could be anyone looking to start a new venture or planning to expand their existing business. These loans are available for all kinds of businesses ranging from a self-employed person to a private company. A business loan is also known as a commercial loan and can aid in taking care of the cash flow requirements of your business, growing your existing business, upgrading your machinery, or renovating your place of business. [B-01] Types of Business Loans There are several business loans available in the market which you can avail of based on your business needs. Some of them are listed below. Working Capital LoanAs the name suggests, this type of business loan is required to meet the day-to-day capital requirements of a business. A working capital loan can help with several business-related needs such as maintaining adequate cash flow, purchase of additional inventory, payroll costs, etc. It is a short-term business loan and comes in handy when you need to meet the cash flow requirement which may arise due to the delay between the payables and receivables. Term LoanA term loan can be short-term or long-term. These business loans need to be repaid in a set period of time. The loan amount sanctioned by a lender is usually dependent on the creditworthiness of the borrower’s business. The loan could be secured or unsecured in nature. A term loan repayment duration can range from 12 months to over 10 years depending upon the borrower’s requirement and repayment capability. Letter of CreditA letter of credit is a payment instrument in which a lender provides a guarantee of funds to businesses that deal in international trading. It is primarily used by enterprises that are involved in the import and export of goods overseas. One of the major concerns of doing business overseas is the payment assurance from unknown suppliers. A letter of credit from the lender comes in handy in such situations and provides assurance of payment to the suppliers or exporters before they perform any transactions. Equipment FinancingBuying new machinery or upgrading existing ones can be an expensive affair for businesses involved in manufacturing. Equipment financing is a funding option provided by a lender to upgrade or buy a piece of machinery. Also known as a machinery loan, an equipment financing option helps the borrowers to meet the fund’s requirement of a business arising from the need for new machinery. Merchant Cash AdvanceA merchant cash advance or a point-of-sale loan is a financial solution for SMEs to deal with a liquidity crunch. A cash advance is provided by the lender for which the repayment is done based on daily sales through the card terminal. This type of business loan is usually provided to the borrowers who use the POS terminals for customer payments. How to Get a Business Loan A business loan can be easily availed online through various financial institutions. But before applying for a loan you need to understand the requirements and accordingly figure out the appropriate loan for your business. Whether you’re just starting a business or looking to meet your day-to-day capital requirements or wish to grow your existing business, refer to the types of loans listed above while finalising the business loan you need as per your fund requirements. All you have to do is check with your lender or visit their website and fill out a business loan application form online. If you are eligible for the loan, most financial institutions these days sanction loans within few days and require minimal paperwork. [B-02] Bottom Line Capital is the lifeline of every business and a business loan provides entrepreneurs with easy access to capital. It is crucial to identify the business needs and the nature of credit when deciding the type of business loan you wish to apply for. Business loans are available at flexible EMIs and nominal interest rates. Be it a big or small business, there is a business loan out there that is designed to fulfil your financial needs.

08-11-2023