Loan Against Assets: Loan Against Securities Interest Rates

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Showing posts with label Loan Against Securities Interest Rates. Show all posts
Showing posts with label Loan Against Securities Interest Rates. Show all posts

Tuesday, September 25, 2018

What You Must Know About Loan Against Securities?

4:00 PM 0
Loan against securities is usually provided as an overdraft facility in the account when you deposit your securities. It lets you withdraw funds from the account and pay interest only on the amount used for a certain period. It is a wise move especially when you are in need of funds and you do not wish to break off your investment.

Know the eligibility criteria for this loan - 

Opt for loan from leading NBFCs as they are highly experienced institutions which understand your need for funds. Thus, the loan against securities is available on an easy-to-meet eligibility criteria which states that-

  • The applicant must be a resident citizen of India
  • They must be at least 21 years of age
  • The applicant must be a salaried or self-employed professional with a regular source of income

The process requires basic paperwork which is as below - 

  • KYC documents
  • Address proof (Aadhaar card)
  • Proof of securities pledged as collateral
  • Passport size photograph



Lenders offer high value loan amount up to Rs. 10 crores against the securities. You can easily apply for the loan against securities online by filling up a simple e-form at the lender’s website. Their representative will request for paperwork and upon their verification you can avail instant approval with quick disbursement.

Read More Here: From interest rate to eligibility criteria: All you need to know about Loans Against Shares
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Monday, May 28, 2018

6 Major Benefits Of Owing Loan Against Securities

1:26 PM 0
Loan against security gives you the easy option to get hold of instant cash without having to break your investments such as mutual fund, . The loan is easy to apply for and reaps appreciable profits, in the long run. You can borrow up to Rs. 10 crore to cover a wide range of financial needs. There are attractive Interest rates based for every borrower. Loan value is 50% (for equity shares), and 90% (for bank deposits) for securities.

Minimum worth of securities must be Rs. 25 lakh and you must be salaried or self-employed with a consistent income source. You can get the list of necessary documents on lender’s website. You get the option to choose convenient payment options with the lender.




Here are 6 major benefits of taking loan against securities. 

Zero/ Low Cost

Leading NBFCs and banks do not incur any charge on loan against security. The processing fees of the application is considerable low and varies among lenders.

Attractive Interest Rates

Various financial institutions and NBFCs offer competitive interest rates ensuring the loan does not pose a heavy burden on the borrower.

Online Account

Applicants can keep track of every transaction and loan information such as EMI due dates, total EMI paid and so on.

Customer Help

There are dedicated online portal and Relationship Managers to guide applicants through the loan process.

Pre-approved offers

As per your eligibility, you can take advantage of various pre-approved offers. This means you get more value of the loan that you qualify for.

Read More :- Get the Top 6 Benefits of Loan Against Securities at a Glance
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Thursday, May 10, 2018

Factors Involved Loan Against Shares

2:55 PM 0
Shares are the brilliant options to get a higher return on investment. It is one of the most flexible investment options where you can buy or sell your shares as per your convenience and as per favourable market condition. You will always get the option to sell your shares to meet the financial crunch. But, what if you get a better option? Why don’t you keep your shares as collateral and arrange the money for you?

You may find the various financial institution that will offer you a loan against shares but choose the best one.



What all benefits you can enjoy out of a loan against shares?

You can avail a loan with a high principal amount, which can be up to 50% of the total worth of your shares. However, this may vary from one lender to another. If you choose any renowned NBFC like Bajaj Finserv, you may get loan amount ranging from Rs.15 lakh to Rs.10 crore. They help to get you a loan quickly, loan approval in 5 minutes and disbursal in 72 hours.

You can get maximum flexibility as you can repay the loan comfortably within 12 months. You can opt for prepayment and foreclosure facility without paying any extra charge.

Read More :- 5 Things You Should Know About Loan Against Shares
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Monday, May 7, 2018

How To Get Benefitted From A Loan Against Shares?

2:41 PM 0
Do you have the passion for investing in mutual funds or shares? Shares are great investment options, only if you have the understanding of the market and securities. They provide higher liquidity and the ability to generate funds, but they also involve higher risk factors where you may lose all your money. But if you can take the risk and are able to play well, you can earn a lot. How can you gain more from shares? One more way of availing funds using shares is by using them as collateral and avail a loan in exchange. It will help you to raise finance for short-term needs as you can get instant money without giving up ownership of your shares.  

Loan Against Securities - Bajaj Finserv

Benefits Of A Loan Against Shares Are:

Managing Working Capital Requirement- The requirement can be shifting to a bigger office or expanding the office space or seeking funds to pay suppliers while awaiting payments from clients, such loans can be of great help.

Paying Medical Bills- Medical emergencies can appear anytime and it can be expensive enough to tackle with the regular income. Then, you can apply for a loan against shares and get instant approval and timely disbursal in 72 hours, so that treatment never hampers.

Handling Any Unexpected Expense- A situation may appear where you need a huge amount of money to handle any unexpected damage.
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