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Loan Against Property
Zen One brings to you Loan Against Property (LAP). You can now take a loan against your residential or commercial property, to expand your business, plan a dream wedding, fund your child's education and much more.

You can depend on us to meet all your business requirements even to purchase a new shop or office for your business. Loan to purchase Commercial Property (LCP) is a specially designed product to help you expand your business without reducing the capital from your business.

- Loans to expand your business or to meet any personal need.
- Residential & Commercial properties accepted.
- Maximum Loan to value.
- Flexible product offerings - EMI based loan / Overdraft facility available.
- High tenure loans for ease of repayment.
- Attractive interest rates.
- Specially designed products for Self Employed.

Home Loans

  Zen One brings home loans to your doorstep. Over 8 years of exclusive experience, a dedicated team of experts and a complete package to meet all your housing finance needs, Zen One Home Loans, help you realize your dream.

The Zen One Advantage
- Pioneers of Housing Finance in India with over 8 years of lending experience.
- Widest range of Home Loan Products.
- Most experienced and empowered personnel to ensure smooth & easy processing.
- Counselling and advisory services for acquiring a property.
- Loan for purchase of home anywhere in India.
- Loan approval even before a property is selected.
- Flexible loan repayment options.

Home Loans Features & Benefits

- Home Loan - Home loans for individuals to purchase (fresh / resale) or construct houses. Application can be made individually or jointly. - Bank finances up to 80% of the cost of the property based on the repayment capacity of the customer.
- Choose from Fixed Rate or Floating Rate with options to structure your loan as Partly Fixed or Partly Floating.
- Flexible repayment options to suit your individual needs.
- Zen One also offers In-house scrutiny of Property documents for your complete peace of mind.

Rent Discounting

  Do you own a rented out commercial property?

Do you need additional funds?

Enjoy the benefits of future rentals today and execute your business plans immediately. Loan against Rent Receivables (LARR) empowers you to use your rental cash flows right now!

Under LARR, we provide funds for your business against your rent receivables. You can use the funds to grow your business, consolidate your existing loans, expand your business into newer ventures or use the funds for any other requirement you may have.

Salient Features & Benefits:
- Higher eligibility on net rentals.
- Attractive interest rates.
- Extended loan tenure available.
- Customized product to suit your needs and structured specially for you.
- Simple documentation and fast processing.

Unsecured Loan (Personal / Business Loan)

  Do you want funds readily available to you whenever you desire or need, be it a sudden vacation that you plan with your family or urgent funds required for medical treatment? Personal Loan is the answer to your questions.

Enjoy the Zen Advantage :
- Low interest rates. Further, we charge interest on a reducing balance!!
- Low processing charges.
- No hidden costs or administrative charges.
- No security required ……which means minimal documentation…something that you had always wanted.
- Long repayment period of up to 48 months.

The Scheme
The loan will be granted for any legitimate purpose whatsoever (e.g. expenses for domestic or foreign travel, medical treatment of self or a family member, meeting any financial liability, such as marriage of son/daughter, defraying educational expenses of wards, meeting margins for purchase of assets etc.)

Security – Nil

Documents Required
Following are the documents required to process your loan:

Company & Individual
1. ITR & computation of Income of the Company and all Individuals (directors/partners) of last 2 years (CA certified) with all annexure and Audit report
2. Current year provisional’s of the Company and all Individuals (directors / partners) CA certified
3. Bank Statements - of the company and all Individuals (savings A/c) of last 12 months
4. Details of all secured / unsecured loans (in company + Individuals name) with their sanction letters and EMI’s marked in Bank statements
5. Company profile
6. PAN card copy of the company and all Individuals (Directors / Partners)
7. Passport copy of all Individuals
8. Office & Residence proof of all Individuals (latest tel bill/electricity bill/Soc bill)
9. 2 passport size photographs of all Individuals (Directors / Partners)
10. Detail list of all Debtors & Creditors
11. Copy of TDS certificates (if any)
12. Contract copy’s (if any)
13. Advance Tax paid challan copy (if any)
14. Current Net worth statement of all the Individuals – CA certified
15. Copy of all the rent receivables / rent agreements (if any)

Property Papers
1. Copy of Purchase Agreement / Draft Agreement & Share Certificate (front & back)
2. Copy of Previous chain of agreement – upto the Developer (if any)
3. Title Certificate of the property, CC, IOD & OC
4. Copy of Property Card
5. Copy of Certified BMC approve plan
6. Copy of society registration certificate (if any)
7. Latest property tax paid receipt
8. Cheque of Rs.11500/- towards valuation and legal charges (Loan >50L have to be valued twice by two Govt approved valuers & two Lawyers)
9. Loan application form duly signed by the Company and all Individuals (Directors / Partners)
10. All the above documents should be self attested

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