HOME LOANS,PERSONAL LOANS & CONSUMER LOANS

CONSUMER
HO JE LOANS PERSONAL LOANS
LOANS
Salaried class,
pern.anent,eroployees
\Vith private & vrofc.ssfonaJ,
Target Salaried class.professionals .self self employed &
G-ronp government, no;mally
business person
\Vftlt nlln three yeat'S and others with
er11ployed.businessn1en
experienoe
regular income
For meeting
Purchase/construction/reµatrs/renova
n1aniage/education/ ruedi Por consumer
Purpose tion of house/ flats {some give for sites
c:1. 1 expenses & other dur;'.tbfes
also) consL1Jnpt1on needs
Based onbank's
Based on Bank's policy I
Quantun1 Depends on monthly ineon1e and customers'repayment policy/custome
repayment capacity rs• repayment
C.'.lpacity
capacity
Lo\vor - 18,upper retiremen t age Differs fron1
Age (differs from bank to bank) Differs from bank to bank bank tobank
Repayn1e EM ,nonnally up to retirem 0-25 EMI for 36-60

-
EMI for 36-60 months
nt years)
- .J - months
Ill I 1 1 -
Security i\sset .:::: urlde'"rtakln"i l ebit from Article purchased, undertaking
purchased salary/third party letter to debit from salary/third
guaranteef collateral etc. p.._1.rty guarantee/collateral etc.

Marg!ll 10-15% of 10-20% as per bank pollcy 10-20% as per bank policy
project cost
(higher for
repairs I
renovation)

Rate of Lower High , normally 200 Bps above High , norm.:ly 200 Bps above
Interest ' BPL.R
normally equal BPLR
to or below
BPLR (fixed
or floacing)