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Mortgage Loan Faq’s

Q: I want take a mortgage loan on a B Khata house with DC conversion

A: Yes, you can get a mortgage loan on a B Khata house with DC conversion

Q: I want take a mortgage loan on a B Khata house without DC conversion ?

A: Yes, you get mortgage loan on a B Khata house without DC conversion

Q: What is Hakupatra property ?

A: Hakku-patra is a document issued by Karnataka government establishing ownership of the
property. It was issued to certain section of the society, terms and conditions attached to the property are :

  • They cannot transfer the land for at least 15 years
  • The property cannot pledged or gifted
  • The property cannot be rented

Q:Can I get a mortgage loan for Hakku-patra property ?

A : Yes you can avail a mortgage loan on Hakku-patra property. Some banks give loans only if sale deed is there for the Hakku-patra property, only after legal is cleared by the lawyer.In case sale deed is not there for Hakku-patra property, loan are given by banks based on the location and profile of the customer on case to case basis.

Q : I want a Mortgage loan, I have a Cibil problem, my Cibil score is low the bankers have reject file due to card payment. I have already setteled this card issue and bankers have issue to me a NIL letter but cibil report not fully update. Please guide me. Q : What to do if your Mortgage loan application gets rejected?

A : In case were Cibil scores are low, we help you to get loans. In such cases we follow steps below :

  • 1st step is always to understand why the score is low, as it helps us to understand your profile and accordingly pitch your case to the bank.
  • The score may be low due to many reasons for example,
    • Personal commitments
    • Credit card settlement
    • ECS mandate not registered with the bank at the time of taking loan
    • Family dispute incase of joint loans
    • Person may be travelling to abroad not able to transfer amount in which EMI Is going on Whatever may be the problem we can help you to get the loan after understanding the reasons and checking your documents.