Who can Apply


Salaried Professional

  • Private Sector Employee
  • Public Sector Employee
  • Partnership Firm Employee

Self Employed Professionals

  • Architects
  • Doctors
  • Chartered Accountants
  • Tax Consultant
  • Engineering Consultants
  • Lawyers
  • Others

Self Employed - Own Business

  • Distributors
  • Traders
  • Wholesaler
  • Manufacturers
  • Service Providers
  • Retailers

FAQs

Interest rates for home loan starts from 8.35%. However your rate will depend on your Credit Score, Loan Amount, Tenor etc. and varies from lender to lender

Interest rates for Loan against Property starts from 9% and is dependent on many other factors like your Credit score, Loan Amount, Type of property, Tenor, End use of the loan, etc.

After submitting the form, a 4-digit OTP will be sent to your mobile number. Enter the OTP on the verification page to complete the process.

The initial financial approval will be done within one week of submitting all required papers. The final sanction is done after legal verification of property documents and a technical examination of the property. Thus the final sanction shall take around 3 to 4 weeks and varies from lender to lender.

• KYC documents
• Financial Documents
• Property Documents

Each lending bank or NBFC has its own own policies based primarily on your credit score , your monthly income , your current fixed financial obligations and other factors

FOIR is abbreviation for Fixed Obligation To Income Ratio. Most lenders look at not only your income but also you current fixed financial obligations. This means the lender will also look at how many EMIs you are servicing now and the total amount you are currently paying as EMIs for existing loans. Each lender has FOIR ranging from 50% to 70%.

While each lending institutions has its own norms a score of 700+ is preferred by most lenders. There are some lenders who lend even if the score is a bit lower.

Each lender has its own norms basis which they do try to assess your repayment capacity & intention and will approve the loan on exception basis. They also look at reasons for your low credit scores and if there is a justifiable reason then exception approvals are done. Sometimes the lender may reduce the loan amount or tenor of the loan a bit to cover their risk when such exception approvals are done.

The company is tied up with multiple lenders and matches your requirement and profile with the apt lender. Finzapp aims to get you the best deal on loan amount, interest rate & tenor of loan. The finzapp team is well experienced in assessing and arriving at the apt lender to your benefit. Your time and energy hunting around for the loan is saved as Finzapp offers doorstep service to meet your requirements.

Why To Apply

Low Interest Rates

Fast Processing

Doorstep Services

Minimal Paperwork

Personalized Approach

Powered by decades of Expertise & Experience in Finance

About Finzapp

Promoted by seasoned retail finance experts having worked at top management levels in leading private sector banks & NBFCs , the company aims at delivering loans to all deserving borrowers. As an authorised corporate associate of many Banks & NBFCs for reaching the loan products to prospective borrowers and to screen base level eligibility of the prospective borrower to enable them to avail the apt loan from the lending institution, your loan requirement is in safe and caring hands.