Saraswat Bank- Home Loans,  Mortgage Loans,  Loan Against Properties etc

We have started funding Lap from 50 lacs to 10 Crores 

We are doing funding on Regulize (Independent Property ) / Prime property / Residential / Commercial / Industrial / Plots , School, Trust…

Tenure Upto – 20 Years

Funding program— Key Highlight

Vanilla  – NP. 150% (excluding Tex ) and other income 100 % which are declared in last 2 financials --  FOIR – 80% -- Loan amount 50Lacs to 10 Crores 

EMI Take-over  -- Loan amount 50Lacs to 7.5 Crores , Multiplier 12-24 Month – 1.25% & 24Month+ --1.5%, No loan availed in last 6 month

Gross Turnover -- 

 Loan amount 50 Lacs to 10 Crores , Trader – 10%, Manufacturer 15% & Service – 20%. FOIR – 100% and also club other income

Gross Professional Receipts  – Loan Amount 50Lacs to 10Cr., Multiplier Dr. & CA 3X and Architect & Lawyer ( excluding Criminal Lawyer ) 2X

Banking  – Loan amount  50 lacs to 7.5 Crores 

Multiplier for propose EMI

50lacs to 3 Cr    – 1X

3Cr+ to    5Cr    -- 1.25X

5Cr+ to 7.5Cr   -- 1.5X

Low LTV – Loan amount 50lacs to 3 Cr  -- Multiplier for propose EMI – 0.75%

LRD ( Lease Rental Discounting)--

LTV for Prime Property -

Residential upto  --- 80% , Commercial -70%, Industrial –60% , Plot –55% and School and other 65%

LTV for Regulize Property  

Residential upto  --- 70% , Commercial -60%, Industrial –55% , Plot –55%

Please connect for further information....

Sudheendra Kumar ( Mobile /WhatsApp: 91-9820088394)

Team- Intellex Strategic Consulting Private Limited 

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