Home · Property · Personal · Business
Loan applications, handled
To be clear about what we are: we are not a lender. We do not lend money or decide applications. The lender decides the rate, the amount and the outcome.
Borrowing, for different reasons
Home loans
For buying, building or renovating. The headline rate is rarely the whole story: processing fees, whether the rate is fixed or floating, and the prepayment terms all change what the loan actually costs over fifteen or twenty years.
Loan against property
Borrowing against property you already own, usually at lower rates than an unsecured loan. Worth understanding clearly: your property is the security, so the consequences of default are serious.
Personal loans
Unsecured, quicker to arrange, and more expensive for exactly that reason. Sensible for a genuine short term need, an expensive way to fund something that could wait.
Business loans
Working capital and expansion finance for small businesses and traders around Guwahati. Documentation is usually the bottleneck: GST returns, bank statements, and filings that need to be consistent with each other.
From requirement to disbursal
- Understand the requirementHow much, what for, and over what period, and whether borrowing is the right answer at all. Sometimes it is not, and we would rather say so.
- Check the profile honestlyIncome, existing obligations and credit history decide what is realistic. We would rather set expectations correctly than have an application rejected.
- Compare the optionsDifferent lenders suit different profiles. We look at the total cost, that is rate, fees, tenure and prepayment terms, not just the number on the poster.
- Prepare the paperworkThis is where most applications fall over. We assemble and check the documents before submission so avoidable problems do not cause a rejection.
- Submit and follow throughWe submit the application and stay with it through queries, valuation and sanction.
What this costs you
From you
We charge you nothing
We do not charge you a fee for arranging a loan. If anyone asks you for an upfront payment to secure or guarantee a loan, that is not how this works, and it is worth walking away.
From the lender
We are paid on disbursal
The lender pays us once a loan is successfully disbursed. The lender will also charge its own costs: processing fees, valuation or legal charges, stamp duty where applicable. Those are listed in the sanction letter. Read it in full, including the schedule of charges and the prepayment terms, before you accept.
Tell us what you need to borrow
Share the requirement and we will tell you honestly what is realistic for your profile, what the paperwork involves, and which lenders are worth approaching.
We help borrowers in Guwahati, Assam and North East India find the right lender, prepare the documents and get the application through. Our loan disclosures.