EQUITAS SMALL FINANCE BANK

 Product

HOUSING LOAN
LOAN AGAIST PROPERTY

HOUSING LOAN – (Loan Amount 50 K to 3 Cr)

Micro Hosuing General Hosuing Affordable

•50K to 5 L •5L to 25 L Housing
•Without ITR - On •Wihout ITR - On •5L to 3 Cr
Assessed Income base Assessed Income Base •With ITR

LOAN AGAINST PROPERTY (Loan Amount 50 K to 3 Cr)

• Micro- LAP --> 50K to 5L

Assessed • General- LAP --> 5L to 10 L
Income Base
(Wihout ITR) • Business Loan -->10L to 25 L

• Salaried LAP --> 5 Lto 50 L

Declared
Income (With • Business Loan --> 10L to 3 Cr)
ITR)

ROI Assessed (Without ITR) Declared (With ITR)

MLAP SLAP Product

(23 & 24 %) (for Salaried)
(14 % & 15 %)

GLAP/BL
GHF
(Assessed)
12.50% - 13 %
(18%)

BLProduct for (Self Affordable Hosuing

Employed) Loan
(13%) (10%)
MHF
(14%)
Other Details of Product

 No Login fees while Login the case

 Processing fee is vary as per product and Profile
 In Declared income, we have various surrogate program for example– Banking Surrogate, LIP,
Low LTV etc… apart from net profit method
 Product for Commercial Property Purchase
 Product for Self Employed Professional

Legal Documentation

 Ownership Document (Sale Deed, Deed of Assignment, etc.)

 Chain Document of the Title (Previous chain document)
 Revenue Documents (7/12, Property card, etc.)
 Possession Document (Tax Receipt, EB, etc.)
 Approved Plan Blue Print (Mandatory for Home loan)

Connector Payout

PAYOUT GRID
 0.50% of disbursed amount between Rs.5 L - 20 L
 0.75% of disbursed amount above Rs. 20 L