About Us
Laxmi FINANCE PVT LTD
About Company Detail Laxmi FINANCE PVT LTD is dealing in Loan against Property, Project Loan & Marks-sheet loan . We Believe in Fair Dealing and prompt approval of funds on priority Basis. We are dealing all India business and Service to our client at a very Reasonable Cost. Our Company is an ISO 9001:2008 certified and process with all necessary Certificates. If you are looking for a loan for your home / or you are in search of financing for your new business, you will find this website quite useful. In India when it comes to a loan, there a number of providers for Home loan or any other types of finances. So deciding your lender is an important step before taking a loan. Lenders vary in the nature of their business. So it is advisable to do a thorough research about different loan options and different lenders, repayment period, rate of interest etc. Generally interest rates can be fixed or floating in type. A fixed interest rate by the name it suggests does not change during the loan tenure. A floating interest rate on the other hand is the rate updated by the lender due to market trends. A floating interest rate can go up or down depending on the financial trend. Some lenders are also providing the option to take the loan which is split between fixed and floating interest rate.
Why Choose Us
Laxmi Finance Pvt Ltd (SFPL) commenced its operations after getting NBFC license from RBI in 2013 with a sole focus to serve MSEs, whose credit demand is too small for banks and too large for MFIs. Our team has worked very closely with MSEs and understands their unique product requirements, which is not available in traditional banking. Timely availability of funds will empower enterprises, enrich lives, transform communities, and breed prosperity, resulting in more entrepreneurs, which we are here to serve. Our policy is “लोन ही नहीं, साथ भी देते हैं हम”, meaning our hand is not just for funding you, but to handhold and lift you up higher. Work actual hours - and deliver solution Attract and retain quality, high customers Manage your time so get more done in less time Hone sharp leadership skills to manage Cut expenses without sacrificing quality 100 % Satisfaction..
Committed to Service
Every successful financial strategy starts with an excellent client relationship. Our mission and values include exceeding our client’s every expectation. Call us today to find out how we can suggest long- and short-term strategies that will help you realize your financial dreams.
For Agency 1. We want the 2 cases and we will give the 3% commission on the loan amount. 2. Above 5 cases company will give you 4% commission on the accepted amount. 3. After 7 cases company will provide you the D.S.A. 4. After D.S.A. of company we will give you Rs. 35,000/- salary per month.
- For Agent Document Requirement
- 1. Recently Curriculum Vitae of the agent.
- 2. Recent Passport size photograph
- 3. Residential proof and your identify proof.
- 4. Affidavit to the name of the company.
Court Fees & Valuation Charge
Court Fees and Valuation Charges 1. Registration Fees Rs.3000/- and Legal Advisory's Fees Rs. 2500/- only (Rs.5500/-). 2. Court fee and valuation charges are charged after the clearance of loan but before court proceedings and issuance of loan. Total expenses for court fee and valuation charges Depend on loan Amount. 3. No extra commission or service charges will be taken from your side your stamp duty charge refundable after disbursement after 3 to 4 days.
Terms & Conditions
- 1.Documentation should be completed within 10 days from the date of issuing of approval letter otherwise the company will cancel the loan.
- 2.There could be a fine 0.5% of E.M.I. amount if installment will not be paid timely.
- 3.Rate of interest 5 % yearly balance.
- 4.File will be cancelled after 15 days if the procedure is incomplete.
- 5.Period of loan allowed up to a minimum 1 year and maximum of 20 years.
- 6.Amount of loan allowed up to a maximum 80% of the current market value of the property offered in mortgage.
- 7.Minimum amount of loan should be Three Lakh for property . 8. Installation payable on monthly / quarterly / half yearly or yearly basis.
- 9. Property of any type from anywhere in India is acceptable. Premature repayment of loan and termination of mortgage is allowed without any penalty of charge of further interest.
- 10. Processing fees is required to be born and paid by the borrower after getting the loan approval letter, if approval and only after having received the loan sanction commitment letter from us by the borrower. Stamp Duty Charge for Agreement and mortgage 0.5 to 3 % Depend to Loan Amount. All charge are Refundable.
- 11. The provision issuing a session I commitment, letter. If issued is binding on the prospective lender/financier and is also a claimable right of the prospective borrower under the law.
- 12. Loan process and disbursement both take about 10 days.
- 13. All disputes to be schedule with Kerala Court Jurisdiction only.
- 14. All dealing or transaction will be carried on transparently
- Loan Interest rates on 5% yearly on the Reducing Balance .
- Largest repayment period 20 years.
- Minimum paper work. Makes sure & go ahead as big things are always the simple one.
- We are looking for the broad Terms Business. All the copies sent by the clients must be self attested Xerox copies
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Laxmi Finance Pvt Ltd
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