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Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website (“Website”) provided by Real Value Consultants Pvt Ltd (“Company”). Please read these Terms carefully before using the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.

1. Use of Website

1.1. You must be at least 18 years old to use this Website.

1.2. You agree to use the Website for lawful purposes only and in a manner that does not violate any applicable laws or regulations.

1.3. You shall not use the Website in any way that could damage, disable, overburden, or impair the Company’s servers or networks.

2. Intellectual Property

2.1. All content on this Website, including but not limited to text, graphics, logos, images, audio clips, and software, is owned or licensed by the Company and is protected by copyright, trademark, patent, and other intellectual property laws.

2.2. You may not modify, reproduce, distribute, create derivative works, publicly display, or in any way exploit any of the content, in whole or in part, unless expressly authorized in writing by the Company.

3. Privacy

3.1. Your use of the Website is subject to the Company’s Privacy Policy, which is incorporated by reference into these Terms.

4. Disclaimer

4.1. The information provided on this Website is for general informational purposes only. The Company does not guarantee the accuracy, completeness, or timeliness of the information.

4.2. The Company is not responsible for any decisions or actions taken based on the information provided on the Website.

5. Limitation of Liability

5.1. To the extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, or other intangible losses, arising out of or in connection with your use or inability to use the Website.

6. Indemnification

6.1. You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees) arising from your use of and access to the Website.

7. Modifications to Terms

7.1. The Company may revise and update these Terms at any time. Your continued use of the Website after such changes will constitute your acceptance of the new Terms.

8. Governing Law

8.1. These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law provisions.

9. Contact Us

9.1. If you have any questions about these Terms, please contact us at [Contact Information].

Last updated: [Date]

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About Us
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© Art of Loan 2024 | All Rights Reserved.

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ABOUT

Lease Rental Discounting

Many people own commercial spaces and offer them on lease. Leasing such spaces has its own share of advantages, one of them, is being able to raise a Term Loan against the rental income received. Lease Rental Discounting (LRD) is a Term Loan offered against income-producing commercial assets/property. The LRD Loan works on the premise that your leased property derives fixed rent, which you can use as a ‘Collateral’ to generate funds, instantly.

  • Applicant should be a citizen of India
  • Should be occupying his current place of residence for a minimum of 3 years in the city
  • Applicants should at least be 24 years of age
  • Form-16 issued by present employer.
  • If the applicant is self employed, he should be in the business for atleast 3 years, if he/she is salaried, he should have minimum 3 years of Work Experience
  • Photo Applicant & Co-Applicant.
  • Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
  • Latest salary slips.
  • Form-16 issued by present employer.
  • Bank statements of six months.
  • Photo Applicant & Co-Applicant.
  • Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
  • Business and Office Proof.
  • Educational qualification certificates, degrees, diplomas, and other academic credentials.
  • IT Returns of the three years preceding the one in which loan is applied for.
  • Bank statements of last one year.
  •  
  • Photo Applicant & Co-Applicant.
  • Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
  • Business and Office Proof
  • Proof of existence of business.
  • Detailed business profile.
  • Profit and loss sheet and balance sheets of the company for the three years.
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ABOUT

Construction Loan

Real Value offers Construction Finance to Real Estate Developers for projects in select cities. Our experience and expertise enable us to identify promising developers and projects which we are happy to finance. Our products enable the developers to meet their working capital needs throughout the life-cycle of the project, right from land acquisition to construction finance including take out. Key Benefits:

Customized solutions are offered by in-house, experience team of professionals with good understanding of the Industry. Our team of specialists will help you select the right product, the adequate loan amount, tenure, moratorium, repayment options depending on stage, status & nature of your proposed project and assist you in your requirements throughout this process.


Key Benefits

• Customized solutions
• End to end solutions through retail home loans with Retail team
• Efficient processing
• Competitive interest rates

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ABOUT

Commercial Property Loan

This is one of the easiest ways you can raise money i.e. by keeping your commercial property commercial as a mortgage for availing a loan. That means your own property helps you in getting a loan.

Commercial Property Purchase Loan is often used by business to secure funds for purchase of their new office or shop or retail establishments. This type of loan is available only for commercial borrowers i.e. business entities.

Commercial Property Purchase Loan is a secured loan and is often used to purchase commercial premises only as it provides a greater deal of flexibility and easy access to capital. It is like a Home Loan product but the only difference is that Home Loans are for individual people for their residential purchase requirements whereas this type of loan i.e. the Commercial Property Purchase Loan is for business entities for their requirement of purchase of commercial premises. The interest rate is also higher than the Home Loan rate.

The criteria which we adopt while evaluation a Commercial Property Purchase Loan proposition is the quality of the collateral, the credit worthiness of the lender, the repaying capacity of the business which can be measured through various financial ratios derived from their balance sheet and profit & loss statements.

  • Applicant should be a citizen of India
  • Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience.
  • Applicants should atleast be 21 years of age while applying the loan
  • Applicant should be not more than 65 years of age at the time of maturity of the loan.
  • If the applicant is self employed, he should be in the business for atleast 3 years, if he/she is salaried, he should have minimum 3 years of Work Experience
    • Passport-size photographs.
    • Identity and signature proof – Passport, Pan card, Driving License, Voter ID card, Aadhar card, employee identity card in case of government employees.
    •  
    • Address Proof – Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/electricity/water/credit card bill or Property tax.
    • Age Proof – Voter ID card, Secondary school leaving certificate (class 10), birth certificate, Passport, Aadhar Card, pension payment order or receipt of LIC policy.
    • IT Returns of the three years preceding the one in which loan is applied for.
    • Copy of details of all existing loans.
    • Property papers with OC and CC.

     

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ABOUT

SME Loan

This comes under unsecured business loan. This loan is similar to personal loan but it is used for business purpose. The interest and EMI is fixed. There are banks who gives small business loan also to start ups for their business.

We at Real Value aim to uplift a small business enterprise by providing loan for their business capital. Any kind of SME like a small manufacturer, supplier, distributor as well as service provider can apply & avail a SME Loan. Infact, for an SME Loan, a lot of emphasis is on the business plan and business vision of the SME and not necessarily their background as well as financial history.

Purpose Of The SME Loan Product The SME Loan product is in place to facilitate the following objectives
• To improve the credit flow in the market in the SME segment
• To make policies & norms in this sector so as to ensure that timely finance and funds are available to the SME's
The disbursed funds from SME Loan can be used for any of the following needs
• Working Capital Requirements
• Purchase of inventory
• Purchase of additional plant & machinery
• Payments to debtors

Look no further if you starting your business or you already have a existing business and apply with Real Value


Product features

• Collateral free business loans
• Right Sized Loans
• Loans from 2 Lacs - 30 Lacs
• Flexible Tenure

• Easy loan repayment options
• Fast & Simple
• Long Tenure upto 24 Months

  • Self-employed individuals, Proprietors, Private Ltd. Co. and Partnership Firms involved in the business of Manufacturing, Trading or Services.
  • Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience.
  • Those whose business has been profit making for the previous 2 years
  • The business should have a Minimal Annual Income (ITR) of Rs. 1.5 lakhs per annum
  • The applicant should be at least 21 years at the time of applying for the loan, and should be no older than 65 years at the time of loan maturity
  • ID Proof: Any Two from Passport, Pan card, Voters ID Card and Driving License.
  • Address Proof
  • Proof of Continuity of Business: – 5 years old banking page, TIN/VAT RC, Service Tax regn.
  • Bank Statement 6 Months
  • ITR & Statement Of Computation of Income – for last 3 Years
  • CA Certified or Audited P/L Account and for turnover >60 Lacs cases Audit report along with schedules of P&L and Balance Sheet – for last 3 years
  • Ownership Proof of Residence or Office
  • All running loan tracks or schedule.
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ABOUT

Loan Against Property

This is one of the easiest ways you can raise money i.e. by keeping your property (residential/commercial) as a guarantor for availing a loan. That means your own property helps you in getting a loan.

Loan against property is a secured loan. This is because a property is been handed over to that bank by the borrower acting as a guarantee. LAP is very secure as per customers point of view. It adds credibility to the customer. Because of that bank or any financial institute will not question the customer/client repayment capability. Real value makes LAP available at the affordable rates.

This is a secured loan so :- • EMI is lower • Cheaper Interest Rate • Longer Tenure • Maximum amount possible given as loan amount

The tenure of LAP is more compare to personal loan. Bank checks all the documents related to property that the borrower is providing for the loan. Properties that can use in LAP are mostly self-occupied or rented residential property. It can be a house or even a piece of land.

In LAP, ownership of that property which the consumer has handed over as a collateral, it always remains with that consumer, unlike in Home Loan in which the ownership is completely transferred to the Financial Institute/Bank. The consumer doesn't have to repay the whole loan to get the ownership. At any point intime, if the consumer is not able to repay the loan amount, he/she can sell the property accordingly. The amount that he receives by selling that land, through that settlement of the loan can be done. When the repayment of the loan is completed with thecharged interest the consumer gets his property back.



Purpose You Can Ask For Loan Against Property

• Marriage
• Child's Education
• Debt Consolidation
• Medical Reason

• Home Improvements
• Buying A New Land Or A Property
• For A Vacation Abroad

  • Applicant should be a citizen of India
  • Should be occupying his current place of residence for a minimum of 3 years in the city
  • Applicants should atleast be 24 years of age
  • If the applicant is self employed, he should be in the business for atleast 3 years, if he/she is salaried, he should have minimum 3 years of Work Experience

Documents Required

  • Passport-size photographs.
  • Identity and signature proof – Passport, Pan card, Driving License, Voter ID card, Aadhar card, employee identity card in case of government employees.
  • Address Proof – Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/electricity/water/credit card bill or Property tax.
  • Age Proof – Voter ID card, Secondary school leaving certificate (class 10), birth certificate, Passport, Aadhar Card, pension payment order or receipt of LIC policy.
  • Salary slips of last 3 months from application date.
  • Form-16 issued by current employer.
  • Copy of details of all existing loans.
  • A cheque covering the administrative costs/processing fees incurred by the bank in processing the application
  • Property papers with OC and CC
  • Passport-size photographs.
  • Identity and signature proof – Passport, Pan card, Driving License, Voter ID card, Aadhar card, employee identity card in case of government employees.
  • Address Proof – Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/electricity/water/credit card bill or Property tax.
  • Age Proof – Voter ID card, Secondary school leaving certificate (class 10), birth certificate, Passport, Aadhar Card, pension payment order or receipt of LIC policy.
  • IT Returns of the three years preceding the one in which loan is applied for.
  • Copy of details of all existing loans.
  • A cheque covering the administrative costs/processing fees incurred by the bank in processing the application
  • Property papers with OC and CC.
Apply Now
ABOUT

Home Loan

Real Value Consultants Pvt. Ltd. is a prominent player in the Indian market for providing Home Loans to aspiring homeowners. We understand that purchasing or building a home is a significant milestone, and we are committed to making this process seamless and stress-free. With strong affiliations with leading banks and NBFCs, we offer some of the most competitive interest rates in the market.

However, it's important to note that the interest rate for a home loan is influenced by various factors such as the total loan amount, profession, and maximum repayment period.

A home loan serves as a financial solution for individuals looking to buy or construct a house. It bridges the gap for those who may not have the entire property cost upfront. When a home loan is extended, there is a monthly interest charge payable to the bank. The property itself serves as collateral equivalent to the value of the home loan. This security is held by the bank until the complete repayment of the Home Loan. Once the repayment is fulfilled, ownership of the property is reinstated to the client.

Home loans can have either fixed or variable interest rates.


Types of Home Loans:

Home Loan
Home Construction Loan
Home Extension Loan
Home Improvement Loan
Home Loan Balance Transfer

Composite Home Loan
Home Conversion Loan
Pradhan Mantri Awas Yojna
NRI Home Loan

  • Applicant should be a citizen of India
  • Should be occupying his current place of residence for a minimum of 3 years in the city
  • Applicants should at least be 24 years of age
  • Form-16 issued by present employer.
  • If the applicant is self employed, he should be in the business for atleast 3 years, if he/she is salaried, he should have minimum 3 years of Work Experience

Documents Required

  • Photo Applicant & Co-Applicant.
  • Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
  • Latest salary slips.
  • Form-16 issued by present employer.
  • Bank statements of six months.
  • Photo Applicant & Co-Applicant.
  • Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
  • Business and Office Proof.
  • Educational qualification certificates, degrees, diplomas, and other academic credentials.
  • IT Returns of the three years preceding the one in which loan is applied for.
  • Bank statements of last one year.
  •  
  • Photo Applicant & Co-Applicant.
  • Proof of identity (PAN Card) or residence Applicant & Co-Applicant.
  • Business and Office Proof
  • Proof of existence of business.
  • Detailed business profile.
  • Profit and loss sheet and balance sheets of the company for the three years.
Apply Now