Ezmyloans || Loans

Builder Inventory Loan

This sort of loan is available to builders for construction purposes. It has favorable interest rates and flexible repayment duration. There is only a minimal amount of documentation required.

Essentials

Eligibility Criteria

Applicant must be a salaried individual, self-employed professional, or business entity.

Applicant must be a registered real estate developer or builder.
Project should be RERA-registered and approved by relevant authorities.
Builder must have a proven track record in project completion.
The property units should be unsold inventory in a completed or nearing-completion project.
Builder must have a good credit history and CIBIL score.
Minimum 2–3 years of experience in the real estate business.
Stable financials and positive cash flow from business operations.
Loan must be used only for refinancing or working capital against unsold units.
The project should not have major legal or title issues.
Complete KYC, financials, and project documents must be submitted.

Documents Required

Individual

Processing Fee Cheque in favour of the bank
Last 3 months salary slip + Appointment letter
Photograph (Both)
PAN Card clear copy (Proprietor)
Address proof (Passport, Voter ID Card) – Proprietor
Office address, Firm Registration Certificates & GST Registration Copy of Proof (Latest Electricity Bill, Telephone Bill)
Firm Registration Certificates & GST Registration Copy
Last 1 year GST return copy
Firm 3 years ITR computation, Profit & Loss A/C, Balance Sheet, Tax Audit Report, all Schedules & Annexures
Provisional Financials AY 2023-24
Bank accounts (Current Account, CC Account, OD Account – Last 1 Year updated)
6 months savings account statement updated (Proprietor)
If running any loan, please provide a sanction letter and repayment schedule
Agreement to Sell copy
Property papers with chain and sanctioned map

Proprietary firm

Photograph (Both)
PAN Card clear copy (Proprietor)
Address proof (Passport, Voter ID Card) – Proprietor
Office address, Firm Registration Certificates & GST Registration Copy
Address Proof (Latest Electricity Bill, Telephone Bill)
Firm Registration Certificates & GST Registration Copy
Last 1 year GST Return copy
Firm 3 years ITR Computation, Profit & Loss A/C, Balance Sheet, Tax Audit Report, all Schedules & Annexures
Provisional Financials for AY 2023–24
Bank accounts (Current Account, CC Account, OD Account – Last 1 Year Updated)
6-month Savings Account statement updated (Proprietor)
If running any loan, please provide a Sanction Letter and Repayment Schedule
Agreement to Sell copy
Property papers with Chain and Sanctioned Map

Partnership Firm LLP

Photograph of all Partners
PAN Card – Company and all Partners
Address Proof – All Partners (Passport, Voter ID Card, PAN, Aadhaar)
Firm Address Proof – Latest utility bill
Partnership Deed Copy
GST Certificate
GST Return – Last 1 Year
3 Years Company ITR, COI, Profit & Loss A/C, Balance Sheet, Audit Report (Form 3CB & 3CD), all Annexures and Schedules, CA Certified
Provisional Financials for AY 2023–24
3 Years Individual ITRs + Computation for all Partners
Firm's all Bank Account Statements – Last 1 Year updated
All Partners’ Savings Account Statements – Last 6 Months
If running any loan – Latest Sanction Letter + Track Record or Repayment Schedule
Agreement to Sell copy
Property papers – Complete chain with sanctioned map

PVT LTD

All Directors’ Photographs
Clear PAN Card – Company and all Directors
Address Proof – Company and all Directors
List of Directors & Shareholders with CA certification (as on date)
Memorandum, Order in Hand, and complete copy (if applicable)
GST, Sales Tax, VAT, and SSI Registration Certificates
GST Returns – Last 1 Year
All Directors’ Individual ITRs and Computation – Last 3 Years
Company’s last 3 years complete Financials with Tax Audit Report and Annexures
Provisional Financials for last FY or month-wise sales figures for the last 1 year
Company’s all Bank Account Statements – Last 1 Year Updated
All Directors’ Savings Account Statements – Last 6 Months
If running any loan – Latest Sanction Letter and Repayment Schedule
Agreement to Sell copy
Property Papers – Complete chain with sanctioned map