Creative Finserve Pvt Ltd

Borivali West, Mumbai, Maharashtra

To achieve complete self-reliance, a flourishing business needs the right room to grow. Even if you find the property that fits your vision arranging for its finances may not be easy. At creative finserve pvt ltd we understand your requirements when it comes to business expansion opportunities or the possibilities of a new business idea. And that's why our commercial property purchase loan make sure that you don't have to compromise on your choice of property and get complete freedom to run your venture the way you want. A commercial property purchase loan is a loan that uses commercial property as collateral. A commercial property purchase loan is a business loan which is secured against a commercial property. Commercial property purchase loan are often used to buy business premises, such as offices, shops, restaurants. While residential mortgages are typically made to individual borrowers, commercial property purchase loan is often made to business entities (e.g., corporations, developers, partnerships, funds and trusts). These entities are often formed for the specific purpose of owning commercial real estate. A commercial property purchase loan is a loan for a property that is used for business purposes. It's probably the best way to finance the purchase of office for business because it provides a flexible and affordable solution that gives you access to capital. A commercial property purchase loan can be used to buy most types of commercial buildings, such as shops and offices, for both new and existing businesses. Interest rates on commercial property purchase loan are generally higher than on residential loans. Unlike residential loans, the terms of commercial loans are smaller. In commercial property purchase loan ltv (loan to value) is normally up to 50% subject to income eligibility.

The term 'loan against property' refers to a situation in which the borrower takes a loan from a bank or financial institution where the security for the loan is a property that is owned by the borrower. If you own a valuable asset in the form of house (self occupied, rented or vacant) or a commercial property you can go for a loan against property. Loan against property is a multi-purpose loan with longer tenure and lesser rate of interest. It would like to leverage your property without giving it on rent or selling it? you can now take a loan against property against your residential or commercial property, to expand your business, plan a dream wedding, fund your child's education and much more. Loan against property is to meet your business or personal needs. Loan against property solutions will help you to unlock the hidden value of your property. With loan against property you can now fulfill any of your personal or business needs. What's more, this loan can be repaid comfortably over as many as 15 years. Loan against property mortgage loan is obtained by the way of mortgaging the asset with the lending institute. Loan against property is a very good borrowing option as there are several advantages of a property, which include possibility of appreciation in value, being in the nature of a fixed asset, income earning potential and so on. This allows the best use of the property that is owned and at the same time will enable the raising of funds required for various purposes. Also, a loan against property comes with a low interest rate compared to that of a personal loan or home loan. Proper use of the funds will ensure that the maximum benefit is taken from the position. The value of an asset or property should be enough to qualify the sanction of the loan amount as needed by the borrower.

Equipment machine loan provide loans to manufacturer, doctors etc.it is given to customers who are in need for purchase of equipments. Customer can avail equipment loan to start up a new unit .equipment machine loan provides you to meet the new requirements you face in your trade .equipment machine loan can help the customer to overcome the new challenges or orders he faces .equipments finance helps you to upgrade the technology and increase the profitability of your organization .with the help of equipment machine loan you can avail the latest equipments and meet your requirements.

We are offering professional loan services.Professional loans, simple unsecured professional loans available to small and medium enterprises for all your working capital needs capital is a vital component for the success of commerce today. Irrespective of whether a firm is in proprietorship or big organization, finance holds the key to its development, and managing finance is certainly not a child's play. Keeping all this in mind, several institutions have come up with professional loans to help budding and existing entrepreneurs. Very frequently, every company has to face a make-or-break situation which calls for immediate investment to reap long term benefits. If one is not having the finances at that time, he might well opt for a professional loan which is designed specifically to fulfill urgent business requirements. These loans not only help in expanding a business, but also play a vital role in modernizing and improving small as well as medium scale business.

Unsecured personal loan is issued and supported only by the borrower's credit worthiness, rather than by a type of collateral. An unsecured personal loan is one that is obtained without the use of property as collateral for the loan. Borrowers generally must have high credit ratings to be approved for an unsecured personal loan. Because an unsecured personal loan is not guaranteed by any type of property, these loans are bigger risks for lenders and, as such, typically have higher interest rates than secured loans (such as a mortgage). Although the interest rates are higher, the rates may still be lower than those of credit cards. Unlike mortgage loans, the interest on an unsecured personal loan is not tax deductible. Because an unsecured personal loan is not guaranteed by any type of property, these loans are bigger risks for lenders and, as such, typically have higher interest rates than secured loans (such as a mortgage). Although the interest rates are higher, the rates may still be lower than those of credit cards. Unlike mortgage loans, the interest on an unsecured personal loan is not tax deductible.

Home loan is offered to individuals who wish to purchase or construct a house. The property is mortgaged to the lender as a security till the repayment of the home loan is done. The bank or financial institution will hold the title or deed to the property till the home loan has been paid back with the interest due for it. the amount that can be financed typically depends on the status of the borrower (residentnon-resident), type of home loan (renovation, property purchase, property extension) and the financial institute. It is generally offered for up to 80-85% of the cost of the property. In a home loan, the owner of the property (the borrower) transfers the title to the lender (bank) on the condition that the title will be transferred back to the owner once the payment has been made and other terms of the home loan have been met. A home loan will have either a fixed or floating interest rate, which is paid monthly along with a contribution to the principal loan amount. As the homeowner pays down the principal over time, the interest is calculated on a smaller base so that future mortgage payments apply more towards principal reduction as opposed to just paying the interest charges. Home loan allows a much broader group of citizens the chance to own a property, as the entire sum of the house doesn't have to be provided up front. But because the lender actually holds the title for as long as the mortgage is in effect, they have the right to foreclose the home (sell it on the open market) if the borrower can't make the payments. A home loan is one of the most common forms of debt, and it is also one of the most advised. Home loans come with lower interest rates than almost any other kind of debt an individual consumer can find.

Banks offers you the unique Smart Credit loan, where you decide what interest you pay. Smart Credit power packs your loan with transactional features that not only allow you to save on interest, but also help you repay your loan much faster. So, now you can make your every rupee work as hard as you do. In Smart Credit account deposit your excess savings rather than keeping it idle. In Smart Credit you will have the flexibility to withdraw the surplus money deposited in Smart Credit account. Deposit your excess funds in Smart Credit and save the interest on your Loan. In Smart Credit interest is calculated on daily outstanding balance. In Smart Credit you can use this account like current account. To avail this product, you have to link a current or a savings account to your home loan at the same bank. You can deposit any surplus funds in this linked account. Whenever you deposit a surplus amount in the account, the bank considers this amount and deducts it from the principal of your home loan while calculating the interest on the outstanding home loan.