OUR SERVICES

HOME LOAN

Home is not a place its a feeling , for purchasing any kind of residential property home loan is best product available at lowest rate . We will help you to achieve your dream home by imparting higher tenure , suitable financial options , cheapest rates & speedy decision .

A : Who can avail : Any Individual , Salaried, Self Employed & Corporate.

B : Avail new Home Loan at cheapest interest rates.

C : Options Available – Plot purchase, Plot purchase + construction , Construction loan , Renovation , Row House purchase / Bungalow Purchase , Flat purchase , Balance Transfer , Balance transfer + Top up , Registry refinance.

LOAN AGAINST PROPERTY

One can avail Mortgage Loan against all type of collateral ( except agricultural land) in the form of Bullet payment which can be used anywhere .

A : Who can avail : Any Individual , Self Employed , Firm , Company & Professionals.

B : No End use required , Flexible Repayment option with long term tenure & Easy exit clause .

C : Options available –

Residential (Flat, Row house, Bungalow)

Commercial (Shop, Office, Showroom)

Specialized Properties ( Diverted Plots , Godown , Industrial , Warehouse , Cold Storage, School , Colleges , Hotels & Hospitals ) .

D : Balance transfer of existing loans with additional enhancement .

E : Stand alone Finance Upto 10 crores on Residential , Commercial & Industrial Diverted Plots or lands .

WORKING CAPITAL

We understand the relationship between short term and long term liabilities. Our awareness across departments and geographies help clients keep tab on working capital levels. We can help you to overcome working capital challenges.

A : Who can avail : Traders , Manufacturer & Service industry.

B : Minimum 2 year Business existence.

C : Options available – Cash Credit Limit , Overdraft Limit , Drop Line Overdraft , Bank Guarantee, Letter of Credit , Term Loan , Buyers Credit , Foreign Currency Term Loan , etc as per requirements .

UNSECURED BUSINESS LOAN

Unsecured Business Loan is best option for any Entrepreneur who want immediate Short Term Fund for fulfilling their urgent work orders and working capital gaps . It is also known as Bridge Loan or Emergency Credit Fund.

A : Who can avail : Only for Trader , Manufacturer & Service Industry . ( Not for individuals )

B : Minimum 3 year Business Vintage required .

C : Completely depends upon financially sound business with 700+ Cibil score.

D : Options available – Without Collateral , Short term funding , Speedy Disbursal within 7 days .

E : Quick and Hassle Free process .

EDUCATION LOAN

Our team understands the importance of Education so here , We offer tailor made solutions depending upon the institution and academic background of the student.

A : Funding for Studying in India & abroad .

B: Repayment tenure Upto 7 years .

C : Quick and hassle free process.

PROFESSIONAL LOAN.

We understand the needs of Loan to Professionals and Professionals to India.

A : Who can avail : Doctor , CA , CS, Architect & Engineer.

B : Offering Special rates without Collateral.

C : Overdraft limit also available.

D : Quick processing and approvals.

PROJECT LOAN

Vincorp provides customize solution for project Loan through the entire deal process. We cover Fund based & Non-Fund-based finance, preparing entire project report and ensuring timely financial closure.

A : Existing as well as new unit can also apply for New project , Expansion , Upgradation & Diversification.

B : We are working in all over India with option of 100% collateral cover .

C : Available at low cost with Private and Nationalize bank.

COMMERCIAL PURCHASE LOAN

One can avail the Commercial Purchase Loan facility for investment or business purpose , there is availability of easy Prepayment and flexible tenure. The process of sanction and disbursement is same as Home loan.

A : Who can avail : Self Employed , Individual & Company.

B : Maximum 150 % of the Registry value (subject to market value).

C : Available at low rates.

D : Options available – Office , Shop , Showroom , Commercial Plot , Industry and All other Commercial Property.

MACHINERY LOAN

To grow Business with a fast pace , Business requires New or Refurbished Machinery. It helps you to improve your business productivity , without affecting normal operations. Vincorp understands the requirements of hassle free , fast and seamless business success.

A : Who can avail : Only for Manufacturing Industries.

B : Maximum 75-80% funds on invoice cost.

C : We take only machine as a security ( collateral free )

D : For both New and Old Machine Loan Upto 7 years.

AUTO LOAN

Start the new journey in a new ride with instant Car Loan and also get Top Up on existing car.

A : For Purchasing of new car or take cash on used car.

B : Quick decision making .

C : Attractive interest rates with tenure upto 7 years .

LEASE RENT DISCOUNTING

LRD is a Term Loan offered against rental receipts and property occupied by Lessee against Lease contract. You can go for LRD If you have a Registered Agreement with Any MNC , Leading Corporate or CAT -A tenant . This Loan is payable by the rent promises .

A : Loan amount Upto 50 crore , completely depend upon rent receivable.

B : CAT-A or CAT-B Tenant , any Multinational Company , Bank , Leading Corporate are the most preferred lessee .

C : Maximum Upto 75% of the Property value.

D : Escrow account will be open and Tri party agreement will be done between Bank , Lessee and Lessor.

DROP LINE OVERDRAFT LIMIT

It is a new generation Overdraft facility which is the combination of both term loan and overdraft facility which can be given to any individual , firm or company . A limit can be given for period of maximum 15 years , where the drawing power of borrower is reduced on monthly basis.

A : Who can avail : Individual as well as firms

B : 10 % Yearly drop principal amount.

C : Only 5000 + GST Annual Maintenance Charges .

D : No need of stock statement , negligible monitoring of bank.