FinTaxInfo - Complete Loan Solutions with Detailed Guide

Complete Loan Solutions

Expert guidance for every loan requirement with competitive rates and quick approval

Our Comprehensive Loan Portfolio

Choose from our extensive range of loan products designed for every financial requirement

Personal Loan

₹50,000 - ₹40,00,000

Instant personal loans for medical emergencies, education, travel, wedding, debt consolidation without any collateral requirement.

Key Features:

Interest Rate: 10.99% - 24% p.a.
Tenure: 12 - 60 months
Processing Time: 24-48 hours
Age Criteria: 21 - 60 years
Income: Minimum ₹25,000/month
Documentation: Minimal paperwork

No Collateral Quick Approval

Apply Now

Business Loan

₹1,00,000 - ₹5,00,00,000

Fuel your business growth with working capital, equipment financing, expansion loans for MSMEs and established businesses.

Key Features:

Interest Rate: 11.25% - 18% p.a.
Tenure: 12 - 60 months
Business Age: Minimum 2 years
Turnover: Minimum ₹40 Lakh
Processing Fee: 1% - 2% + GST
Collateral: May be required

Business Growth Flexible Terms

Apply Now

Loan Against Car

₹50,000 - ₹25,00,000

Get instant cash against your car ownership while continuing to use your vehicle. Quick disbursement with minimal paperwork.

Key Features:

Interest Rate: 12% - 18% p.a.
Tenure: 12 - 36 months
LTV Ratio: Up to 80%
Car Age: Up to 8 years
Processing Time: 2-4 hours
Usage: Keep driving your car

Keep Your Car Quick Cash

Apply Now

Transfer Home Loan

₹5,00,000 - ₹10,00,00,000

Transfer your existing home loan to get better interest rates, improved service, and additional benefits with flexible terms.

Key Features:

Interest Rate: 8.25% - 11% p.a.
Tenure: Remaining tenure + extension
Processing Fee: 0.25% - 0.5%
Top-up Amount: Available
Legal Charges: Minimal
Savings: Up to ₹5 Lakh

Lower EMI Save Money

Apply Now

Loan Against Property

₹5,00,000 - ₹10,00,00,000

Secured loans against residential/commercial property with attractive rates, higher amounts, and longer repayment tenure.

Key Features:

Interest Rate: 9.75% - 15% p.a.
Tenure: 60 - 180 months
LTV Ratio: Up to 70%
Property Type: Residential/Commercial
Processing Fee: 1% + GST
Prepayment: Allowed anytime

Lower Rates High Amount

Apply Now

Home Loan

₹5,00,000 - ₹10,00,00,000

Affordable home loans for purchase, construction, or renovation with flexible repayment and attractive tax benefits.

Key Features:

Interest Rate: 8.50% - 12% p.a.
Tenure: 60 - 300 months
LTV Ratio: Up to 90%
Processing Fee: 0.5% + GST
Tax Benefits: Up to ₹3.5 Lakh
Eligibility: Salaried/Self-employed/NRI

Tax Benefits Long Tenure

Apply Now

Quick Loan Comparison

Loan Type	Amount Range	Interest Rate	Tenure	Processing Time	Action
Personal Loan	₹50K - ₹40L	10.99% - 24%	12-60 months	24-48 hours	Apply
Business Loan	₹1L - ₹5Cr	11.25% - 18%	12-60 months	3-7 days	Apply
Loan Against Car	₹50K - ₹25L	12% - 18%	12-36 months	2-4 hours	Apply
Transfer Home Loan	₹5L - ₹10Cr	8.25% - 11%	Existing tenure	7-15 days	Apply
Loan Against Property	₹5L - ₹10Cr	9.75% - 15%	60-180 months	7-15 days	Apply
Home Loan	₹5L - ₹10Cr	8.50% - 12%	60-300 months	7-21 days	Apply

Loan Benefits & Considerations

Advantages of Our Loans

Quick Processing: Fast approval and disbursement within 24-48 hours for most loans
Competitive Rates: Best-in-market interest rates with transparent pricing
Flexible Terms: Choose tenure and EMI amount that suits your budget
Minimal Documentation: Simplified paperwork and digital application process
Expert Guidance: Dedicated relationship managers for personalized service
Prepayment Facility: Close your loan early without heavy penalties
Tax Benefits: Available on home loans and education loans

Important Considerations

Interest Burden: Longer tenure means higher total interest payment
EMI Commitment: Fixed monthly obligation affects your cash flow
Credit Score Impact: Late payments can negatively affect your credit rating
Processing Fees: Upfront charges reduce your net loan amount
Income Verification: Strict eligibility criteria and income assessment
Collateral Risk: Secured loans put your asset at risk in case of default
Market Fluctuations: Floating rates can increase your EMI burden

Simple Loan Application Process

1. Fill Application

Complete our simple online form with basic details

2. Upload Documents

Submit required documents digitally for quick verification

3. Quick Verification

Our team verifies your application and documents promptly

4. Loan Disbursed

Get funds transferred directly to your bank account

Frequently Asked Questions

Basic documents include identity proof (Aadhaar, PAN), address proof, income proof (salary slips/ITR), bank statements (6 months), and photographs. Additional documents may be required based on loan type.

Loan eligibility is calculated based on your income, existing liabilities, credit score, age, employment stability, and repayment capacity. We use a scientific approach to determine your maximum eligible loan amount.

Yes, you can prepay your loan partially or fully. For floating rate loans, there's no prepayment penalty. For fixed rate loans, minimal charges may apply as per RBI guidelines.

If your application is rejected, we'll provide specific reasons. You can reapply after addressing the concerns, improving your credit score, or providing additional documentation. Our experts will guide you through the process.

Processing time varies by loan type: Personal loans (24-48 hours), Business loans (3-7 days), Home loans (7-21 days), Loan against property (7-15 days). Complete documentation expedites the process.

Why Choose FinTaxInfo for Loans?

15+ Years Experience

Trusted financial partner with proven track record and industry expertise.

50K+ Happy Customers

Served thousands of satisfied customers with their financial needs.

99.2% Approval Rate

Highest loan approval rate with flexible eligibility criteria.

24/7 Customer Support

Round-the-clock customer service and dedicated relationship managers.

Ready to Apply for Your Loan?

Get expert consultation and choose the perfect loan for your needs

Call: 9296125904

Email: kundanrajraj10@gmail.com

Visit: Dhanbad, Jharkhand

Apply for Loan Call Expert

What is Personal Loan?

Personal loan is an unsecured multipurpose loan that can be used for any legitimate personal financial need without providing collateral. It's ideal for medical emergencies, education expenses, wedding costs, travel, debt consolidation, or any urgent financial requirement.

Key Features & Benefits:

No Collateral Required: Completely unsecured loan
Quick Approval: Decision within 24-48 hours
Instant Disbursal: Funds in your account immediately
Flexible Usage: Use for any personal purpose
Minimal Documentation: Simple paperwork process
Competitive Rates: Starting from 10.99% p.a.
Flexible Tenure: 12 to 60 months repayment

Advantages:

No need to pledge any asset as security
Fast processing and quick funds availability
Fixed EMI helps in better financial planning
Prepayment facility available without penalty
Online application and tracking facility
Dedicated customer support

Disadvantages:

Higher interest rates compared to secured loans
Processing fee of 2-3% + GST
EMI burden on monthly cash flow
Impact on credit score if payments delayed
Strict eligibility criteria

Eligibility Criteria:

Age	21 to 60 years
Employment	Salaried/Self-employed
Work Experience	Minimum 2 years
Monthly Income	₹25,000 minimum
Credit Score	650+ preferred
ITR	Last 2 years

Required Documents:

✓ Aadhaar Card
✓ PAN Card
✓ Passport (if available)
✓ Voter ID

✓ Salary Slips (3 months)
✓ Bank Statements (6 months)
✓ Employment Certificate
✓ Form 16/ITR

Interest Rate Structure:

Credit Score 750+	10.99% - 14.99%
Credit Score 700-749	15.99% - 18.99%
Credit Score 650-699	19.99% - 21.99%
Credit Score Below 650	22.99% - 24.00%

Application Process:

Fill online application form
Upload required documents
Get instant approval in principle
Complete verification process
Loan amount credited to account

What is Business Loan?

Business loan is financing provided to businesses for various operational and expansion needs including working capital, equipment purchase, inventory, business expansion, debt consolidation, or meeting short-term cash flow requirements.

Types of Business Loans:

Working Capital Loan: For daily operations
Term Loan: For expansion and equipment
Equipment Financing: For machinery purchase
Invoice Financing: Against pending invoices
Line of Credit: Flexible credit facility
MSME Loan: Special schemes for SMEs

Advantages:

Retain 100% ownership of business
Fixed EMI helps in budgeting
Interest is tax deductible
Flexible repayment options available
Quick processing with minimal documentation
Fuel business growth and expansion

Disadvantages:

Collateral may be required for higher amounts
Personal guarantee from promoters mandatory
Processing fee 1-2% + GST
Regular monitoring of business operations
Impact on cash flow due to EMI obligations

Eligibility Criteria:

Business Age	Minimum 2 years
Annual Turnover	₹40 Lakh minimum
Profit	Profit in last 2 years
Credit Score	700+ for business/partners
Business Type	Proprietorship/Partnership/Pvt Ltd

Required Documents:

Business registration certificate
GST registration certificate
Financial statements (2-3 years)
Bank statements (12 months)
Income Tax Returns (3 years)
GST returns (12 months)
Partnership deed (if applicable)
MOA & AOA (for companies)

Interest Rate Structure:

Established Business (5+ years)	11.25% - 14%
Medium Business (3-5 years)	14% - 16%
New Business (2-3 years)	16% - 18%

What is Loan Against Car?

Loan against car is a secured loan where you can pledge your car as collateral to get instant cash while continuing to use your vehicle. The car remains with you, and only the RC is transferred to the lender as security.

Key Features:

Keep Your Car: Continue using your vehicle
Quick Processing: Get money in 2-4 hours
Minimal Documentation: Just basic car and income documents
Flexible Repayment: Choose suitable EMI tenure
Higher Loan Amount: Up to 80% of car value
Lower Interest: Secured loan with better rates

Advantages:

Continue using your car normally
Instant cash for emergencies
Lower interest compared to personal loans
Quick and hassle-free process
No end-use restrictions
Flexible repayment options

Disadvantages:

Car is at risk in case of default
RC transfer required
Limited to car's current market value
Processing fees and charges
Insurance implications

Eligibility Criteria:

Age	21 to 65 years
Car Age	Up to 8 years
Car Ownership	Minimum 1 year
Income	Proof of regular income
Employment	Salaried/Self-employed/Business
Credit Score	600+ preferred

Required Documents:

✓ Car RC (Registration Certificate)
✓ Car Insurance Policy
✓ PUC Certificate
✓ Car Keys (Both sets)

✓ Identity & Address Proof
✓ Income Proof
✓ Bank Statements
✓ Passport Size Photos

Loan Amount Calculation:

Car Value ₹5-10 Lakh	Up to 70% LTV
Car Value ₹10-20 Lakh	Up to 75% LTV
Car Value ₹20+ Lakh	Up to 80% LTV

Processing Steps:

Car inspection and valuation
Document verification
Loan approval and agreement
RC transfer and fund disbursal

What is Home Loan Transfer?

Home loan transfer, also known as balance transfer, allows you to transfer your existing home loan from your current lender to a new lender offering better interest rates, improved service, or additional benefits without changing your property ownership.

Why Transfer Your Home Loan?

Lower Interest Rates: Reduce your EMI burden
Better Service: Improved customer service experience
Additional Funding: Get top-up loan facility
Flexible Terms: Better repayment options
Reduced Processing Fee: Lower charges for transfer
Enhanced Features: Better loan features and facilities

Advantages:

Significant savings on total interest
Lower monthly EMI payments
Access to top-up loan facility
Better customer service and relationship
Improved loan features and benefits
Potential tenure extension options

Disadvantages:

Processing fees and legal charges
Time-consuming documentation process
Prepayment charges from existing lender
Technical and legal verification required
May affect existing relationships

Eligibility for Transfer:

Loan Age	Minimum 12 months old
Payment History	No defaults in last 12 months
Outstanding Balance	Minimum ₹5 lakh
Property Value	Current market value assessment
Income Stability	Stable employment/business

Required Documents:

Existing loan statement and NOC
Property documents and title deeds
Latest IT returns and Form 16
Salary slips and bank statements
Property valuation report
Legal opinion and clearance
Insurance documents
Identity and address proofs

Cost Analysis:

Processing Fee	0.25% - 0.5% of loan amount
Legal Charges	₹5,000 - ₹15,000
Technical Charges	₹2,000 - ₹5,000
Stamp Duty	As per state regulations

Transfer Process:

Compare offers from different lenders
Apply with new lender
Property and legal verification
Loan approval and documentation
Settlement with existing lender
New loan disbursement

What is Loan Against Property?

Loan against property (LAP) is a secured loan where you mortgage your residential or commercial property to get funds for any legitimate purpose. The property serves as collateral, offering higher loan amounts at competitive interest rates.

Types of Properties Accepted:

Residential Property: House, apartment, villa
Commercial Property: Office, shop, warehouse
Industrial Property: Factory, manufacturing unit
Land/Plot: Residential or commercial land

Usage of Funds:

Business expansion and working capital
Children's higher education
Medical emergencies
Debt consolidation
Investment opportunities
Home renovation or purchase

Advantages:

Lower interest rates than unsecured loans
Higher loan amounts available
Longer repayment tenure up to 15 years
Flexible end-use of funds
Continue living in/using the property
Tax benefits in certain cases

Disadvantages:

Property at risk in case of default
Lengthy processing due to legal verification
Additional charges for valuation and legal
Property title should be clear
Market value fluctuations affect loan amount

Eligibility Criteria:

Age	21 to 65 years
Property Ownership	Clear title and ownership
Income	Stable income source
Credit Score	700+ preferred
Property Age	Up to 30 years for buildings
Location	Within lender's approved areas

Required Documents:

✓ Property documents
✓ Sale deed/Agreement
✓ Property tax receipts
✓ Encumbrance certificate

✓ Income proof
✓ Bank statements
✓ Identity & Address proof
✓ Property valuation report

Loan Amount Calculation:

Residential Property	Up to 70% of market value
Commercial Property	Up to 65% of market value
Industrial Property	Up to 60% of market value

Processing Charges:

Processing Fee	1% + GST
Valuation Charges	₹2,000 - ₹5,000
Legal Charges	₹3,000 - ₹10,000
Documentation	₹1,000 - ₹3,000

What is Home Loan?

Home loan is a secured loan provided to individuals to purchase, construct, renovate, or extend residential property. The property itself serves as collateral, making it one of the most affordable borrowing options with attractive interest rates and long tenure.

Types of Home Loans:

Home Purchase Loan: To buy ready or under-construction property
Home Construction Loan: To build house on owned land
Home Improvement Loan: For renovation and repairs
Home Extension Loan: To expand existing property
Plot Purchase Loan: To buy residential land
Balance Transfer: Transfer from another lender

Advantages:

Lowest interest rates among all loans
Longest repayment tenure up to 25 years
Substantial tax benefits up to ₹3.5 lakh
Build wealth through property ownership
Hedge against inflation
Flexible prepayment options
EMI reduces over time with salary growth

Disadvantages:

Property at risk in case of default
Long-term financial commitment
High total interest over loan tenure
Property market risk
Extensive documentation required
Processing time of 15-30 days

Eligibility Factors:

Age	21 to 65 years
Income	Minimum ₹25,000/month
Employment	Salaried/Self-employed/NRI
Credit Score	750+ for best rates
Work Experience	2+ years in current job
Debt-to-Income	Should not exceed 50%

Tax Benefits Available:

Principal Repayment	₹1.5 lakh under Section 80C
Interest Payment	₹2 lakh under Section 24(b)
First-time Buyers	Additional ₹1.5 lakh under Section 80EE
Affordable Housing	₹1.5 lakh under Section 80EEA

Required Documents:

Property documents and NOC
Sale agreement and allotment letter
Identity and address proof
Income documents (salary slips/ITR)
Bank statements (6 months)
Employment certificate
Property insurance
Passport size photographs

EMI Calculation Factors:

Principal loan amount
Interest rate (fixed/floating)
Loan tenure in years
Processing fees and charges

Complete Loan Solutions

Our Comprehensive Loan Portfolio

Personal Loan

₹50,000 - ₹40,00,000

Key Features:

Business Loan

₹1,00,000 - ₹5,00,00,000

Key Features:

Loan Against Car

₹50,000 - ₹25,00,000

Key Features:

Transfer Home Loan

₹5,00,000 - ₹10,00,00,000

Key Features:

Loan Against Property

₹5,00,000 - ₹10,00,00,000

Key Features:

Home Loan

₹5,00,000 - ₹10,00,00,000

Key Features:

Quick Loan Comparison

Loan Benefits & Considerations

Advantages of Our Loans

Important Considerations

Simple Loan Application Process

1. Fill Application

2. Upload Documents

3. Quick Verification

4. Loan Disbursed

Frequently Asked Questions

What documents are required for loan application?

How is my loan eligibility calculated?

Can I prepay my loan without penalty?

What if my loan application is rejected?

How long does loan processing take?

Why Choose FinTaxInfo for Loans?

15+ Years Experience

50K+ Happy Customers

99.2% Approval Rate

24/7 Customer Support

Ready to Apply for Your Loan?

Personal Loan - Complete Guide

What is Personal Loan?

Key Features & Benefits:

Advantages:

Disadvantages:

Eligibility Criteria:

Required Documents:

Interest Rate Structure:

Application Process:

Business Loan - Complete Guide

What is Business Loan?

Types of Business Loans:

Advantages:

Disadvantages:

Eligibility Criteria:

Required Documents:

Interest Rate Structure:

Loan Against Car - Complete Guide

What is Loan Against Car?

Key Features:

Advantages:

Disadvantages:

Eligibility Criteria:

Required Documents:

Loan Amount Calculation:

Processing Steps:

Transfer Home Loan - Complete Guide

What is Home Loan Transfer?

Why Transfer Your Home Loan?

Advantages:

Disadvantages:

Eligibility for Transfer:

Required Documents:

Cost Analysis:

Transfer Process:

Loan Against Property - Complete Guide

What is Loan Against Property?

Types of Properties Accepted:

Usage of Funds: