M/S KUBER ENTERPRISES

Friday, October 4, 2019

व्यापारी भाईयों के लिए खुशखबरी दुकान एवं शोरुम खरीदने का सुनहरा अवसर एल0 आई0 सी0 हाउसिंग फाइनेंस द्वारा प्रदान किया जा रहा हैं।

व्यापारी भाईयों के लिए खुशखबरी दुकान एवं शोरुम खरीदने का सुनहरा अवसर एल0 आई0 सी0 हाउसिंग फाइनेंस द्वारा प्रदान किया जा रहा हैं।

Loan for Purchase of Commercial Property.

We are pleased to inform you that the competent Authority has approved new product for loan for purchase of Commercial Property. Salient features of the scheme are as follows:

1 Name of the product:- Loan for purchase of Commercial Property

2 Purpose of Loan:

a) Purchase of commercial properties

b) Extension of commercial properties

c) Takeover of loan from other financial institutions only if original loan is for purchase.

No Top Up facility

3) Eligible Applicant/s: Resident Indian Individuals:

· Salaried

· Self Employed

Non Individuals:

· Firm (Proprietor/ Partnership/LLP)

· Companies (Pvt. Limited/ Closely held Public Limited)

The Applicants combination will be as per scheme parameters covered under Griha Vikas.

(4) Property Types: Shops/ Showrooms, Office Premises, Banquet Halls

And Warehouse where properties are ready to move and Occupation Certificate / Completion is obtained from Statutory Authorities.

(5) Quantum of Loan: Minimum loan –Rs. 50 Lakhs

(6) Rate of Interest: Linked to LHPLRNH – Current LHPLRNH – 14.80%

Particulars	Rate of interest(Floating)
Customers having CIBIL score 700 and above	10.50%
Customers having CIBIL score 600 and more but less than 700	11.00%

In case of Company, promoter directors/s having highest score will be considered)

7-Processing Fees : 1% of loan applied + applicable taxes

8-Loan to value : 75% of agreement / sale deed value

9-IIR/MLSC : Maximum up to 90% (no discretion)

10-Repayment Team : Maximum 10 years

(Age restrictions as per Credit Appraisal SOP)

11- EMI Repayment : NACH

12- Area of Operations: Area Office headquarters. Property has to be within Corporation / Municipal Council Limits

13-Sanctioning Authority: Regional Manager up to loan of Rs. 5 Crs Cases above Rs. 5 Crs to be referred to Corporate Office for decision.

14. Security: Deposit of title documents in Original

Equitable/ Registered Mortgage (Circular on mortgage methodology issued video credit appraisal circular no. 122 dated 20^th Fabruary 2015 to be referred) Demand promissory note & Money receipt Any Additional / Interim / Collateral Security (preferably in the form of residential property), to be taken if required by the sanctioning authority

In case on Non Individual Applicants:

Personal Guarantee of all Promoter Directors/ All Partners to be obtained

Registration of change in ROC (for company/ LLP)

15) Other Conditions:

· All Applicants must be Co-owners except in case of Spouse of Applicant. No income of any Applicant, who is not a Co-owner, should be added for Calculation.

· Income of Spouse of an Applicant can be considered for IIR (MLSC) Calculations even though Spouse is not Co- owner

· Joint Applications from Father / Mother with Son (s) may also be considered for calculations.

· Area office to monitor loans on quarterly basis and submit monitoring report as per attached format to Regional Office.

Contact us:-

LIC HOUSING FINANCE LTD

North Central Regional office, 1^st floor, Jeevan Bhawan-I 43 MG marg Hazratganj Lucknow-226001

Website: www.lichousing.com

Email- kuberenterprises714@gmail.com

Phone no: 0522-4322388

Mobile no: 07376065422, 07652090244

व्यापारी भाईयों के लिए खुशखबरी अपने बेनकुट हाल, होटल, दुकान की रजिस्टरी पर पर्सनल लोन प्राप्त करें ROI- 11% एल0 आई0 सी0 हाउसिंग फाइनेंस द्वारा प्रदान किया जा रहा हैं।

व्यापारी भाईयों के लिए खुशखबरी अपने बेनकुट हाल, होटल, दुकान की रजिस्टरी पर पर्सनल लोन प्राप्त करें ROI- 11% एल0 आई0 सी0 हाउसिंग फाइनेंस द्वारा प्रदान किया जा रहा हैं।

We are pleased to inform you that the competent Authority has approved re- introduction of loan product LAP – Commercial, loan against commercial property with certain modifications. Salient features of the scheme are as follows:
1) Name of product: LAP- Commercial
2) Purpose of Loan: a) Purchase of another property (residential/commercial)
b) Business Expansion
c) Takeover of loan from other financial institutions
d) Any other personal requirement (except for direct / indirect investment in stock market or illicit purposes/activities
(3) Eligible Applicant/s: Resident Indian Individuals:
• Salaried
• Self Employed
Non Individuals:
• Firm (Proprietor / LLP
• Companies (Pvt. Limited/ Closely held Public Limited)
The Applicants combination will be as per scheme parameters covered under Griha Vikas.
(4) Property Types: Shops/Showrooms, Office Premises, Banquet Halls and Warehouses where properties which are either Self – occupied or Rented and received Occupation Certificate / Completion Certificate from Statutory Authorities
(No vacant properties can be considered).
(5) Quantum of Loan:- Minimum loan- Rs. 50 Lakhs
(6) Rate of Interest: Linked to LHPLRNH- Current LHPLRNH-14.80%
Particulars Rate of Interest (Floating)
Customers having CIBIL score 700 and above 11.00%
Customers having CIBIL score 600 and more but less than 700 11.50%

(7) Processing Fees: 1% of loan applied + applicable taxes
(8) Loan to value: 50% of market value of the property.
In respect of “Shops”, the market value to be considered for LTV purpose should not exceed five times guideline value of the property under any circumstances.
If property is purchased within last 12 moth then the market value to be considered for LTV purpose will be lower of a) Actual Valuation OR b) 5 times guideline value of the property OR c) Agreement/ sale deed value.
Valuation as per guidelines stipulated in credit appraisal SOP.
Rates to be cross checked with property portals
(9) IIR/MLSC: Maximum up to 90% (no discretion)
(10) Repayment Team: Maximum 10 years
(Age restrictions as per Credit Appraisal SOP
(11) EMI Repayment: NACH
(12) Security :
( a) Deposit of Title documents in Original
(b) Demand promissory note & Money receipt
c) Any Additional / Interim / Collateral Security (preferably in the form of residential property), to be taken if required by the sanctioning authority

In Case of Non Individual Applicants
a) Personal Guarantee of all Promoter Directors/ All Partner to be obtained
b) Registration of charges in ROC (for company/ LLP)

LIC HOUSING FINANCE LTD
North Central Regional office, 1st floor, Jeevan Bhawan-I 43 MG marg Hazratganj Lucknw-226001
Website: www.lichousing.com
Email- kuberenterprises714@gmail.com
Phone no: 0522-4322388
Mobile no: 07376065422, 07652090244

Monday, July 8, 2019

L IC HFL offers Pradhan mantri Awas Yojana ROI@8.35* CONTACT US- 07376065422

एल0 आई0 सी0 हाउसिंग फाइनेन्स प्रस्तुत करता है प्रधानमंत्री आवास योजना एल 0 आई 0 सी 0 हाउसिंग फाइनेन्स प्रस्तुत करता है। ...

Superb 30 Scheme

Details:
The Rate of Interest shall be fixed for a period of first 6 months from the date of the first disbursement and shall be floating thereafter. The Floating Rate of Interest will be linked to the LHPLR prevailing at the time of the switch as per table mentioned below in Rate of Interest section.

Rate of Interest

Loan Slab	Rate of Interest
Up to Rs. 50 Lacs	8.40%
Above Rs. 50 Lacs and up to Rs. 5 Crs	8.50%
Above Rs. 5 Crs	Rate of Interest will be decided by Corporate Office on case to case basis

After completion of 6 months from the date of the first disbursement, the floating Rate of Interest will be linked to the then prevailing LHPLR on next EMI due date and basis point spread will be as per the chart below:

Loan Slab	Rate of Interest (then prevailing LHPLR minus BPS mentioned below) Current LHPLR is 14.70%
Loan Slab	Customers having	Salaried & Professional	Non-Salaried & Non-Professional
Up to Rs. 50 Lacs	LIC Policy + CIBIL >= 800	595	585
	LIC Policy + CIBIL >= 700 < 800	590	580
	LIC Policy + CIBIL < 700 >= 600	585	575
	CIBIL >= 800	585	575
	CIBIL >= 700	580	570
	CIBIL < 700 with No LIC Policy	575	565
Above Rs. 50 Lacs & Up to Rs. 5 Crs	LIC Policy + CIBIL >= 800	585	575
	LIC Policy + CIBIL >= 700 < 800	580	570
	LIC Policy + CIBIL < 700 >= 600	575	565
	CIBIL >= 800	575	565
	CIBIL >= 700	570	560
	CIBIL < 700 with No LIC Policy	565	555