Ezmyloans || Loans

Home Loan Overdraft Facility

If you already have a home loan, you can apply for an overdraft against your existing home loan account. This facility allows you to deposit money in addition to your monthly EMI, which is considered pre-payment, but the principal amount remains the same, and if you need money in an emergency, you can withdraw it from your home loan-linked savings or current account.

Low Initial Payment

Enticing EMI

Instant Acceptance

No guarantor

Used Vehicle Loans

Refinance Existing Loans

Eligibility Criteria

Eligibility criteria are based on a variety of characteristics such as payback history, wage, business sales/turnover, and creditworthiness, among others.

Age: Applicants must be between 18 and 60 years old
Work Experience: Minimum of 3 years
Employment Type: Should be employed in a Public, Private, or Multinational Corporation
Credit Score: A decent CIBIL score is required
Nationality: Indian national

Documents Required

Individual

Two Photographs
Pan Card Copy
Aadhar Card + Passport
Address Proof (If Rented, also Permanent Address Proof)
Last 3 Years Form-16, ITR with Computation (if filed)
Last 1 Year Bank Statement – Salary Account
Loan Schedule & Sanction Letter (If running)
Complete Property Papers with Chain, Map & ATS
Processing Fee Cheque in favour of the Bank
Last 3 Months Salary Slip + Appointment Letter

Proprietorship Firm

Photograph Both
Pan Card Clear Copy – Proprietor
Address Proof (Passport, Voter ID Card) – Proprietor
Office Address Proof Latest (Electricity Bill, Telephone Bill)
Firm Registration Certificates & GST Registration Copy
Last 1 Year GST Return Copy
Firm 3 Years ITR Computation, P&L A/C, Balance-Sheet, Tax Audit Report, All Schedules & Annexures
Provisional Financial AY 2023-24
Bank Accounts (Current, CC, OD) – Last 1 Year Updated
6 Month Saving Account Statement – Proprietor
If Running Any Loan – Sanction Letter & Repayment Schedule
Agreement to Sell Copy
Property Papers with Chain & Sanction Map

Partnership Firm / LLP

Partnership Deed Copy
GST Certificate
GST Return – Last 1 Year
3 Year Company ITR, COI, P&L A/C, Balance Sheet + Audit Report (3CB, 3CD), All Annexures, Schedules – CA Certified
Provisional Financial AY 2023-24
3 Year All Partner Individuals ITR + Computation
Firm All A/C Bank Statement – 1 Year Updated
All Partner Saving A/C Statement – 6 Months
If Running Any Loan – Sanction Letter + Repayment Schedule
Agreement to Sell Copy
Property Papers with Complete Chain & Map

Private Limited Company

All Directors’ Photographs
Clear PAN Card – Company and All Directors
Address Proof – Company and Directors
List of Directors & Shareholders – CA Certified as on Date
Memorandum (MOA) and Order in Hand – Complete Copy
GST, Sales Tax, VAT, and SSI Registration Certificate
1 Year GST Returns
All Directors' Individual ITR & Computation – Last 3 Years
Last 3 Years Complete Financials with Tax Audit Report & Annexures
Provisional Financial FY Last Year or Month-wise Sale Figures – Last 1 Year
All Company Bank Account Statements – Last 1 Year Updated