Viva Capital

Sagarpur, Delhi

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

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 maturity
The following documents are required along with your Business Loan application:

PAN Card – For Company/Firm/Individual
A copy of any of the following documents as identity proof:

1. Aadhaar Card
2. Passport
3. Voter's ID Card
4. PAN Card
5. Driving License

A copy of any of the following documents as address proof:

1. Aadhaar Card
2. Passport
3. Voter's ID Card
4. 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.

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 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.