Bank Loans

Indian home finance concept

Bank Loans

As a most trusted finance associate, Advika offers a best and specialized loan services. Our loan services cover all range of fund in respective to its nature. We offer various types of loan services like any other banks that are ensured by complete legal procedures and regulations. Our services include maintaining complete records of payments and balances, regular issue of monthly payment statements, regular collection of monthly payments, sending timely funds to the note holder, following up any and all lapses, and more. Every loan requires a different set of documents that are to be submitted by the applicant to acquire the applied loan. But there are few documents, which are to be submitted for all types of loan application.
The three primary documents asked for all loan application are:

No one knows what will happen next, and whatever it may be, Advika associate helps you solve your immediate financial problems through our personal loan services. Personal is the type of loan that requires a minimum documentation and is issued without any need of collateral.

Key documents required for a personal loan are:

  • PAN Card.
  • Identity proof (copy of passport/voter ID/driving license/PAN card).
  • Address proof (copy of passport/utility bill/voter ID/driving license/bank statement/rental agreement/ration card).
  • Signature proof (copy of passport/Aadhaar card/driving license/PAN card, etc.).
  • Latest bank statement (passbook of previous 6 months).
  • Passport size photo (1 copy of your present photo).

Additional submission of documents as a self-employed individual:

  • Business proof (copy of license/service tax registration/registration certificate).
  • IT returns of the last 2 years.
  • Clearance certificate.
  • Income estimation for the last 2 years (copy of balance sheet, and the profit & loss account).
  • IT challans/TDS certificate.

Additional submission of documents as a salaried individual:

  • Salary proof (copy of salary slips for the last 3 months).
  • IT returns/Form 16.

NOTE: Additional documents may be required in respective to an applicant’s profile.

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No one knows what will happen next, and whatever it may be, Advika associate helps you solve your immediate financial problems through our personal loan services. Personal is the type of loan that requires a minimum documentation and is issued without any need of collateral.

Key documents required for a personal loan are:

  • PAN Card.
  • Identity proof (copy of passport/voter ID/driving license/PAN card).
  • Address proof (copy of passport/utility bill/voter ID/driving license/bank statement/rental agreement/ration card).
  • Signature proof (copy of passport/Aadhaar card/driving license/PAN card, etc.).
  • Latest bank statement (passbook of previous 6 months).
  • Passport size photo (1 copy of your present photo).

Additional submission of documents as a self-employed individual:

  • Business proof (copy of license/service tax registration/registration certificate).
  • IT returns of the last 2 years.
  • Clearance certificate.
  • Income estimation for the last 2 years (copy of balance sheet, and the profit & loss account).
  • IT challans/TDS certificate.

Additional submission of documents as a salaried individual:

  • Salary proof (copy of salary slips for the last 3 months).
  • IT returns/Form 16.

NOTE: Additional documents may be required in respective to an applicant’s profile.

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Some find it difficult to own a house and some other find it impossible to own their own house. Here is a loan plan from Advika associate that helps it possible and easier to own a house. Housing loan is a financial assistance given to people by the lender to build their own house. This loan provides a sum of money that is to be paid in respective to the loan’s term and condition along with the monthly interests. A property is mortgaged to the bank or lender as a collateral till the complete repayment of the loan.

Advika offers housing loan to following conditions like to build a new home, to buy a home, to rebuild or expand your current home, mortgage loan on your house, for PMAY (Pradhan Mantri Awas Yojana), and more.   

Key documents required for a housing loan are:

  • Identity proof (copy of passport/voter ID/driving license/PAN card).
  • Address proof (copy of passport/ utility bill/voter ID/driving license/PAN card/rental agreement/ration card/present tax slip).
  • Latest bank statement (passbook of previous 6 months).
  • Passport size photo with your application form (1 copy of your present photo).
  • Processing fee cheque.

Additional submission of documents a self-employed individual:

  • Business proof (copy of license/service tax registration/registration certificate).
  • IT returns of the last 2 years.

Additional submission of documents as a salaried individual:

  • Salary proof (copy of salary slips for the last 3 months).
  • IT returns/Form 16.

NOTE: Additional documents may be required in respective to an applicant’s profile. No plan approval/No ITR/Composite loan/Cash salary for those in the surrounding of 100kms of Coimbatore.

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Investments on share or a business can result in loss and deficit, but never the one on gold. Advika offers an excellent gold loan services, where you can mortgage your gold articles as a collateral and acquire money for your financial needs. The lender charges a monthly interest till the complete repayment of the fund you have borrowed. Gold loans are instant financial solution provider for many who struggle to meet or solve their financial needs and problems.

Key documents required for a gold loan are:

  • Identity proof (copy of passport/voter ID/driving license/Aadhaar card/PAN card).
  • Address proof (copy of passport/ utility bill/voter ID/driving license/PAN card/rental agreement/ration card/present tax slip).
  • Passport size photo (2 copies of your present photo).
  • One cheque leaf.

NOTE: Additional documents may be required in respective to an applicant’s profile.

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Easiest way to allocate a huge sum of fund in a short span of time is through mortgage. Advika provides a supportive mortgage loan services that are instant. In other words, mortgage loan is a secured kind of loan in which the borrower can avail needed funds by exchanging an asset as a collateral to the lender.

Key documents required for a mortgage loan are:

  • PAN or Aadhaar Card.
  • Address proof (copy of passport/utility bill/voter ID/driving license/bank statement/rental agreement/ration card).
  • Latest bank statement (passbook of previous 6 months).
  • Passport size photo (1 copy of your present photo).
  • Property proof (copy of the mortgaged property’s document).

Additional submission of documents as a salaried individual:

  • Salary proof (copy of salary slips for the last 3 months).
  • IT returns/Form 16.

NOTE: Additional documents may be required in respective to an applicant’s profile.

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LAP is one of the other secured loans provided by banks and other financial institutions against the borrower’s residential and commercial properties. Advika is one of those right financial institution who provide the maximum possible rate or fund for your residential properties. The properties are locked as a collateral till the complete repayment of the fund with monthly interests (this type of loan offers a lower interest rate compared to the other types like business, personal and housing loan).

Key documents required for a loan against property are:

  • Identity proof (copy of passport/voter ID/driving license/PAN card).
  • Address proof (copy of passport/utility bill/voter ID/driving license/bank statement/rental agreement/ration card).
  • Latest bank statement (passbook of previous 6 months).
  • Property proof (copy of all the properties’ documents requested for loan)
  • Passport size photo (1 copy of your present photo).

Additional submission of documents as a self-employed individual:

   Certified financial statements for the previous 6 months.

Additional submission of documents as a salaried person:

  • Salary proof (copy of salary slips for the last 6 months).
  • IT returns/Form 16 (for the last 2 years).

NOTE: Additional documents may be required in respective to an applicant’s profile.

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Another one of the excellent services provided by Advika associates are these car loans. This type of loan is an instant financial solution provider to buy a car. This type of loan is also known as automobile loan or an auto loan. Here the lender avails the borrower with a sum of money in order for the consumer to purchase a car.

Key documents required for a car loan are:

  • Identity proof (copy of passport/voter ID/driving license/PAN card).
  • Address proof (copy of passport/utility bill/voter ID/driving license/bank statement/rental agreement/ration card).
  • Latest bank statement (passbook of previous 6 months).
  • Age proof (copy of birth certificate/PAN card/ Aadhaar card/driving license/passport).
  • Passport size photo (1 copy of your present photo).

NOTE: Additional documents may be required in respective to an applicant’s profile.

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This is a type of finance service where the borrower approaches a bank in request of issuing an outstanding loan amount then transferring loan to new private services and repaying the actual fund to the bank.

Key documents required for bank to private takeover loan are:

  • Applicant proof (copy of title papers in the name of applicant).
  • A/c statement of the private financier for the entire tenure of loan.
  • Original sanction letter of the financier.
  • Passport size photo (2 copies of your present photo).
  • Completely filled-in loan takeover application form.
  • List of documents with the financing institute.

Additional submission of documents as a self-employed individual:

  • Income proof (form 16 of the co-applicant, the private finance sector).
  • A brief statement of applicant’s assets and liabilities.

Additional submission of documents as a salaried person:

  • Salary proof (copy of salary slips for the last 6 months).
  • A brief statement of applicant’s assets and liabilities.

NOTE: Additional documents may be required in respective to an applicant’s profile.

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This type of financial service is a transferring loan service, which is a means of approach for the borrower to request an outstanding amount from the current bank and repaying the full fund by requesting a loan with a new bank. This services will benefit you either by a lower interest rate or by lower EMI rates.

Key documents required for a bank to bank takeover are:

  • Applicant proof (copy of title papers in the name of applicant).
  • A/c statement of the current bank for the entire tenure of loan.
  • Original sanction letter of the financier.
  • Passport size photo (2 copies of your present photo).
  • Completely filled-in loan takeover application form.
  • List of documents related to the current bank.
  • Foreclosure letter.
  • Possession certificate (copy of repayment to the current bank and application of the new bank).
  • NOC process letter (from the current lender bank).
  • Project cost (sale deed + stamps + before payment penalties).

NOTE: Additional documents may be required in respective to an applicant’s profile.

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This is one of the well-known and frequently used e-payment method. Advika Associates offers an incredible credit card services which can be used for internal transaction and payments without any hindrance. In simple words a credit card allows a consumer to pay or purchase things without cash. The used or spent fund must be paid within a limited time period by the consumers.

Key documents required for credit card are:

  • Identity proof that has the consumer’s legal name, birth date, address and the social security number (copy of driving license/Aadhaar card/passport).
  • Income details (latest salary slips/form 16 for the last 6 months).

NOTE: Additional documents may be required in respective to an applicant’s profile.

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Loan against plots are frequent in present period. Advika offers a trustworthy loan against all your plots, and attempts its best to offer a maximum fund in relative to the value of the plot. This type of loan is also known as plot loans.

Key documents required for a plot loan are:

  • Your signed application with all the mandatory details filled.
  • Identity proof (copy of passport/voter ID/driving license/PAN card).
  • Address proof (copy of passport/utility bill/voter ID/driving license/bank statement/rental agreement/ration card).
  • Income proof (latest salary slips/form 16 for the last 6 months).
  • Property documents (copy of property related documents, in case of incompletion of finalizing a property).

NOTE: Additional documents may be required in respective to an applicant’s profile.

Apply Now 

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