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Kotak Bank Business Banking (Loan against Property)
Kotak Bank Business Banking (Loan against Property)
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Kotak Bank Business Banking (Loan against Property)
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Kotak Bank Business Banking (Loan against Property)Here are a few factors
| Location | 50Km from Branch |
| CIBIL Score | 700+ |
| Applicant | Any Self Employed |
| Applicant Age | 21 Year to 70 Year |
| Loan Amount & Tenure | 50
Lac-20 Cr (1 Year to 10 Year) |
| Login Fees | Nil |
| Rate of Interest & Type | 9.50%-11% (Reducing) |
| TAT | 15 days |
| Processing Fees | 0.5%-1% |
| Foreclosure Charges | (i)
If MSME Registration-Nil (ii) Other-Upto 4% |
| Insurance | As per Age |
| Minimum Business Vintage | 3 Year |
| Lock In Period | 12 Month |
| Part Payment Allowed | No |
| LTV | (i)
Residential-100% (ii) Commercial-100% (iii) Industrial-100% (iv) Plot-50% (v)
Hotel & Restaurent-50% (vi) Hospital-50% (vii) School-50% |
| Product | (i) Fresh Loan (ii) BT+Topup (iii) Commercial & Industrial Purchase (iv) Lease Rental Discounting |
| Program | (i) Banking Program-5 Cr (ii) GST Product-5 Cr (iii) Income Program-20 CR (iv) Lease Rental Discounting-20 Cr |
| FOIR | 100% of Cash Profit |
| Cautious Profile | No Cautious Profile |
| Negative Profile | (i) Politian (ii) Share Traders (iii) NBFC (iv) Police(v) Liquor Seller (vi) Real Estate (viii) Bullion Traders |
| Funded Property | (i)
Residential Property (ii) Commercial Property (iii) Industrial Property (iv)
Mall & Commercial Complex Property (v) Plot (vi) School (vii)Hosipital & Nursing Home viii) Hotel & Restaurent (viii) Godown & warehouse (ix) Gram Panchayat Property (x) Regluarized Colony (xi) Khasra Khatauni Property |
| Negative Property | (i)
Lease hold Property without PTM (ii)Stand Alone Basement (iii) Auction
Property (iv) Demolition List Property (v) Lal Dora Property (vi) PG Property (vii) Khasra & Khatauni Property (viii) Subject to Sale Deed Property (ix) GPA Property (x) Gift Deed Property (xi) Single Sale Deed Property (xii)Without MAP Property (xiii) Unapproved Freehold Property (xiv) Legal & technical not clear(xv) Stone Slab Property (xvi) Unapproved Farm House (xvii) Multi Tenanted Unit |
| Accepted Collateral | Other than Negative Property |
| Specific Property wise Funding Limit | Only School Property-5 Cr, Other Property 10 Cr |
| Any Specific Product for Professionals | No |
| USP | Zero Login Fees & 100% LTV |
Kotak Bank Business Banking (Loan against Property) EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
| Loan Amount | ₹100,000 |
| Interest % | 9 % |
| Tenure (months) | 12 |
| Emi (monthly) | ₹ 8,745 |
| Total Interest | ₹ 4,942 |
| Loan Amount + Interest | ₹ 104,942 |
| Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ₹ 24,165 | ₹ 2,070 | ₹ 26,235 | ₹ 75,835 | 24.16 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ₹ 75,832 | ₹ 2,873 | ₹ 78,705 | ₹ 3 | 100.00 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Kotak Bank Business Banking (Loan against Property)
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