№ files_lp_3_process_9_19763
File format: docx Character count: 7920 File size: 43 KB
Structured loan application detailing applicant and co-applicant financial, business, and personal information, along with collateral, obligations, and proposed repayment structure for institutional review.
Year: 2022
Region / City: Ghaziabad, Uttar Pradesh, India
Document Type: Loan Approval Request
Program: Suvidha Program
Applicant: Jitendra Kumar
Co-Applicant: Meena Devi
Loan Amount Requested: Rs 4,00,000
Tenure: 96 months
Interest Rate: 24%
Property Type: SORP
CIBIL Score: 580
Income Sources: Business income, pension, rental income
Collateral: MU No 196 Gali No 1 Sanjay Colony, Arthala Mohan Nagar, Ghaziabad, UP
Banking Details: SBI Account No. 8841
Loan Purpose: Business and home renovation
Risk Assessment: Low LTV, positive references, previous DPD noted
Price: 8 / 10 USD
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Credit Appraisal and PD/ CAM Note for LAP under Suvidha Program, September 2022
Document type: Credit appraisal note
Product: Loan Against Property (LAP)
Program: Suvidha Program
Applicant: Sodan Singh
Co-applicants: Laxmi Devi; Arun Kumar; Suman Jyoti
Loan amount proposed: Rs. 6,80,000
Recommended loan amount: Rs. 6.8 lacs
Tenure: 84 months
Interest rate: 24%
Proposed EMI: Rs. 16,780
Loan to Value (LTV): 23%
FOIR: 49.79%
Property address: House No. D-273, Khasra No. 19, Brijpuri, Waziarbad Road, Village Ziauddinpur, Shahdara, Delhi-110094
Property type: Residential house
Collateral: Self-occupied residential property
Occupation of applicant: Salaried employee
Employer: Bright Cable Pvt. Ltd.
Total monthly income considered: Rs. 33,700
Credit bureau status: No active loans; minor overdue in co-applicant CIBIL
Legal status: Legal positive
Technical valuation: Rs. 30,21,300
Valuation date: 2022
PD conducted by: Bhanu
PD date: 16/09/2022
FI status: Positive
RCU status: Positive
FCU status: Refer
Sanction authority: BCM/ACM
Region: Delhi
Period covered: Financial assessment as of September 2022
Credit Appraisal Note under Suvidha Program for HL Construction Loan to Vijay Kumar and Laxmi Devi
Program: SUVIDHA
Product: HL Construction / Loan Against Property
Case Type: Fresh HL
CAS ID: LKZ001699
Branch: Noida
Loan Amount Requested: 10,00,000 INR
Proposed Loan Amount: 7,00,000 INR
Tenure: 84 months
Rate of Interest: 26% p.a.
Proposed EMI: 18,168 INR
LTV: 52%
FOIR: 48.77%
Applicant: Vijay Kumar
Co-Applicant: Laxmi Devi
Marital Status: Married
Occupation (Applicant): Self Employed – Painter & Plumber Contractor
Occupation (Co-Applicant): Housewife
Residential Address: Chhajarsi Colony, Sector 63, Gautam Budh Nagar-201307 (U.P.)
Property Address: Plot no. A82, Khasra No 1420, Village Dhoomnikpur, Under Shiva Film City, Pargana & Tehsil Dadri, District G.B. Nagar, Uttar Pradesh
Property Valuation: 13,51,200 INR
End Use: Construction
Bank Name: Bank of Baroda, Indirapuram Ghaziabad Branch
Average Bank Balance: 20,000 INR
Legal Vendor: THE LAW PORT OF INDIA
Valuer: Formulaic
PD Done By: Amit Sharma
BM: Mandeep
FI Status: Awaited
RCU Status: Positive
Sanction Conditions: E-NACH mandate, updated banking, KYC update, rental agreements, closure of existing PL, legal and technical compliance
Topics: Jitendra Meena Suvidha