We do the bank work for you, and stay with your file until it is approved.

It depends on your income, your current EMIs, your age and the value of the property. The bank pays a large part of the property price, and you pay the rest yourself.

PAN, Aadhaar, salary slips or income proof, 6 months of bank statements and the property papers. We check the full list with you before we apply.

It is the part of the price that you pay from your own money. The bank gives the rest as the loan.

You shift your loan from your old bank to a new bank. The new bank pays off the old loan, and from then on you pay your EMIs to the new bank, usually at a lower interest rate.

A top-up is extra money on a loan you already have. You can use it for things like repairs, studies or business needs. It often costs less interest than a personal loan.

Not always. Banks may charge fees to move a loan. We compare the new interest rate and all the fees with your savings, and we tell you honestly if it is worth it.

No. You keep living in it or using it. The bank only keeps the papers until you finish paying. But if you stop paying EMIs for a long time, the bank can take action, so borrow only what you can repay.

Many people use it for business, children’s studies, a wedding or medical needs. Each bank has its own rules, so we check first.

It depends on the value of the property, your income and your current EMIs. The bank gives a part of the property value, not the full value.

Many banks give a break while you study and for some months after. This is called a moratorium. Interest may still be added during this time, so ask us how it works.

Usually yes. A parent or guardian with steady income joins the loan together with the student.

Often tuition fees, hostel, books, laptop and exam fees. The exact list depends on the bank and the course.

Yes. You pay part of the price as down payment, and the bank gives the rest. A bigger down payment means a smaller EMI.

Yes, many banks give loans for used cars. The rules and the interest rate are usually a little different from a new car.

PAN, Aadhaar, income proof, bank statements and the price quotation from the car dealer.

The bank takes more risk because you do not give any property as security. So the interest rate is usually higher than for a home or car loan.

A good CIBIL score, steady income and few other EMIs. We check these with you first, so there are no surprises.

It is often faster than other loans, because there is no property to check. The speed depends on the bank and on how ready your papers are.

It is not always compulsory, but it can protect your family, especially when the loan is big. We explain your choices, and you decide.

Some plans are paid once and some every year. A bank may also offer to add it to your loan. Always ask for the full cost before you say yes.

The insurance company pays, as per the policy rules. We help you choose a plan and fill in the forms.

At a network hospital, the insurance company pays the hospital directly. You pay only for the items that the policy does not cover.

You pay the hospital first. Then you send the bills to the insurance company and get your money back if the claim is approved.

Check the waiting period for old illnesses, what is not covered, any limit on room rent, and which hospitals are in the network. We go through these with you.