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- Dharmendra yadav
- +91 8591525355
- info@dyenterprises.com
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About Mortgage Loan
We often use the terms home loan and mortgage loan interchangeably without realising that the two are completely different from each other.
PURPOSE
- Personal needs such as marriages, higher education, business travel, medical emergencies or any unforeseen expenses.
- Secured overdraft may be allowed as liquidity finance.
- For taking benefit of lower interest rate, customers can also apply for takeover of existing mortgage loan/s from other Banks/FI
MORTGAGE LOAN ELIGIBILITY
- Indian citizen (both resident and non-resident) having regular source of income and owning non-agricultural (residential / commercial/industrial) property.
- Minimum age – 18 years and maximum age – 75 years.
- Individuals may apply singly or jointly with other eligible individuals.
QUANTUM OF LOAN
- Minimum of Rs.5 Lakh.
- Maximum – Resident Indian – Rs.10 Crore and Non Resident Indians – Rs.5 Crore.
MORTGAGE LOAN MARGIN
- 50% of the fair market value of the property mortgaged as per the latest valuation report.
NATURE OF FACILITY
- Term Loan
- Overdraft
REPAYMENT
Term Loan:
- The maximum repayment tenure will be lowest of the following three:
- 15 years (180 months)
- Residual period till the borrower attains the age of 75 years
- 5 years prior to the residual life of the property
Overdraft:
- Maximum tenor of 15 years (180 months)
- The limit will reduce every month with fixed amount so as the total principal is repaid in the tenure of the loan
- Interest will be calculated and debited every month on the basis of actual use of the limit and to be serviced monthly.
- Account to be adjusted 5 years prior to the remaining life of the property
MORATORIUM
- No moratorium allowed under the scheme
MORTGAGE LOAN RATE OF INTEREST
- Please click here to know our latest interest rates
- Valuation / Legal / Stamp Duty / CERSAI / Memorandum registration charges as per actual.
PREPAYMENT PENALTY
- There is NO prepayment penalty.
SECURITY
- Residential / Commercial property, which is in the name of the borrower(s).
- property should be located at metro/urban/Semi-urban areas coming within municipal limits only
- All the co-owner(s) of the property need to join in as co-applicant(s).
- Open Plot/Land not acceptable.
GUARANTEE
- Third party guarantee is not mandatory for resident Indian.
- Guarantee of a local resident Indian having means equivalent to that of the loan amount, is to be provided by the NRI applicant.
INSURANCE
- Property should be comprehensively insured for an amount not less than the value of the property (less cost of land), covering all risks with Bank clause.
MORTGAGE LOAN EMI CALCULATOR
- Please Click here for EMI Calculator
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What We do
“Welcome to our world of excellence and dedication. To Dharmendra Yadav, we take pride in offering a range of services designed to meet your unique needs. Our commitment to quality, innovation, and customer satisfaction sets us apart. Explore our diverse service offerings below and discover how we can elevate your experience.”
Mortgage loan
Personal needs such as marriages, higher education, business travel, medical emergencies or any unforeseen expenses
residential flat
A residential flat loan, also commonly known as a mortgage loan, is a type of loan provided by financial institutions, such as banks or mortgage lenders, to individuals for the purpose of purchasing a residential property, typically an apartment or flat.
Mortgage College Loan
Securing a mortgage for college expenses is a financial strategy that allows individuals to access funds for education through a loan.
26 years of experience
Why Choose us?
Provide your best loan services and our experience staff help you. Less document and fast approve process of passages. Also we are providing credit card facility to per day interest credit card lorem Ipsum available, but the majority have suffered.
Professional Team
Professional Team: A synergistic alliance of skilled individuals dedicated to achieving common objectives through effective collaboration and excellence.
Quick Payments
Quick Payments ensures swift and seamless financial transactions, offering prompt and efficient processing for enhanced convenience.
Deepak Khatri
Mahesh Tripathi
