Viva Capital Sagarpur, Delhi

A personal loan is a type of unsecured loan and helps you meet your current financial needs. You don’t usually need to pledge any security or collateral while availing a personal loan and your lender provides you with the flexibility to use the funds as per your need. It can serve as your solution for managing your travel costs and wedding expenses as well as the expenses of a medical emergency, home renovation, debt consolidation and others.

We are a Delhi based company, offering overdraft loan services to the clients engaged in different occupations and economic activities. We have been working in the finance sector with a complete range of financial services, and overdraft loan facility is one among such services. We are acclaimed for our professional dealings and a disciplined approach to serve the clients with the best financial services. The clients can obtain overdraft loan facility from us competitive terms and lucrative charges.

When it comes to getting a loan against the property, then our services are praised for the faster processing, easy documentation, and overall ease of loan procurement. As India’s pioneering financial company, we provide loan against property services at the easier terms and with the promise of the best value for the property. We are known for our professionalism and timeliness in handling the various processes related to loan against property. Based in Delhi, we maintain transparency and there are no hidden terms or charges for our services.   While searching for a loan against property, the first question that comes to mind is how much I can get "Kitna Milega?"The answer to the question of "Kitna Milega" is calculated on the basis of a) the percentage of property value that you own and b) how much income you have left after paying other EMIs that you can use for repaying this new loan. So you can get Loan against property up to a certain percentage of the value of the property and your Net Income.A limiting factor for being available for loan against property is Maximum Age. For salaried employees, the maximum age to be eligible is 60 years and for self employed individuals; the maximum age is 70 years.Loan Against Property can be taken for following purposes: Expanding your business Get your child married Send your child for higher studies Fund your dream vacation Fund Medical Treatments Characteristics of a Loan against Property   Cheaper than Personal Loans: It works out to be much cheaper than a personal loan, which is usually issued at interest rates in the region of 16% - 21%. Longer Loan Tenure: The tenure for a Loan against Property is usually longer than that for a personal loan. Generally, LAP is given for a maximum tenure of 10 years. Lower EMI: Since the rate of interest is lower, many times, LAP Equated Monthly Installments (EMI) turn out to be cheaper than those under personal loans. Simple documentation and Fast Approvals: LAP being a secured Loan has comparatively faster approvals and minimal documentation

Viva Capital is one of the pioneering names in the domain of private sector financing, operating from Delhi, which offers home loan services to fulfill dreams of those who want a space of their own for a comfortable living with togetherness. We bring forth home loan facility with loaded features and benefits for the homebuyers. Whether it’s about competitive of the home loan interest rate or the flexibility of loan EMI prepayment, our services provide peace of mind to the borrowers.   HOME LOAN - Let's simplify how this will go about and what are the steps.The first step involved in the process is to find your property, which is followed by the verification of property documents, post that the documents are examined. Simultaneously, you can start searching for the lender who can offer the best home loan deal after checking your eligibility criteria.Know the Home Loan Eligibility: Banks offer the loan amount based on your monthly income and the value of the property. They will give you max amount in which your EMI of home loan and others loans is 50-60% of your income. Other factor is value of that property.Documents required in Home Loan.Generally, the documents required to process your loan application are almost similar across all the banks; however they may differ with various banks depending upon specific requirement etc. Following documents are required by financial institutions to process the loan application:     Income     Age Proof     Address Proof     Income Proof of the applicant & co-applicant     Last 6 months bank A/C statement     Passport size photograph of the applicant & co-applicant

Planning to renovate your home, but the shortage of funds is bothering you? We, at Viva Capital, are there to assist you with home improvement loan services so that shortage of funds cannot stop you from improving your home the way you want it. Based at Delhi, we are counted among the dependable financiers in India. Our services mark features like faster processing, least hassles in the documentation works, competitive interest rates, and many others.

We are a Delhi based company, committed to help the business fraternity grow through our fast and reliable business loan services. We have been working in the finance sector and operating to provide business loans for a variety of urgent and non-urgent requirements of the clients. Whether business load is required by young entrepreneurs or the established players, we help all in acquiring business loans at easy terms and competitive interest rates. Today, we have a number of clients who praise our matchless services.   Self employed individuals, Proprietors, Private Ltd. Co. and Partnership Firms involved in the business of Manufacturing, Trading or Services. The business should have a minimum turnover of Rs. 40 lakhs Individuals who have been in the current business for a minimum of 3 years, with 5 years total business experience. Those whose business has been profit making for the previous 2 years The business should have a Minimal Annual Income (ITR) of Rs. 1.5 lakhs per annum The applicant should be at least 21 years at the time of applying for the loan, and should be no older than 65 years at the time of loan maturityThe following documents are required along with your Business Loan application:PAN Card – For Company/Firm/IndividualA copy of any of the following documents as identity proof: Aadhaar Card Passport Voter's ID Card PAN Card Driving License A copy of any of the following documents as address proof: Aadhaar Card Passport Voter's ID Card Driving License   Bank statement of the previous 6 months Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate) Other Mandatory Documents [Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)]

Businesses require an adequate amount of capital to fund startup expenses or pay for expansions. As such, companies take out business loans to gain the financial assistance they need. A business loan is debt that the company is obligated to repay according to the loan’s terms and conditions. Small Business Administration, before approaching a lender for a loan, it is imperative for the business owners to understand how loans work and what the lender will want to see from the owner.

We are a famous company in the service sector of Delhi (India). With the support of diligent personal loan agents, we are proficiently providing personal loan services to the clients. We have alliances with some of the leading financial institutions of the nation. This tie-up helps us in the faster disbursal of personal loans right in the bank accounts of the clients. We have received appreciation from many clients in Delhi for our one of a kind finance service. All you need is to dial our numbers to avail our services at market-leading charges.   Personal Loan is the obvious choice if you need a finance for Personal finance, Medical emergency, Wedding purposes, Abroad travel, Holidays, Child education and for buying consumer durable things. Means if you have a requirement of money so personal loan is the best choice.   Personal loan Eligibility :- Minimum per month Income of Rs.18500 in Metro cities required. Minimum per Month Income of 12500 required in other cities like Tier 1, 2 & 3. Age Must be above 21 Years. Regular Source of Income with Valid proof of income like - Pay Cheque, Account Transfer. Cash salary is not considered by any bank. Minimum 6 Month stability in current company for Salaried, 2 Years ITR for self-employed / Professionals. CIBIL SCORE must be above 700 points.