A home loan is a legal agreement between an individual and a financial institution to borrow money to buy a property. The borrower agrees to pay back the money over a period of years, usually through EMIs. After repayment, the property’s title is returned to the borrower.

A loan against property (LAP) is a secured loan that allows individuals and businesses to borrow against the mortgage of a property. The borrower uses their property as collateral for the loan.
The loan amount is usually a percentage of the property’s market value, typically ranging from 40% to 70%. The lender keeps the property as collateral until the entire loan is paid back.
When applying for an LAP, lenders will consider:
• The applicant’s income
• The applicant’s age
• The property’s valuation
• Any existing liabilities
• The applicant’s work experience, credit history, and work history
• Whether the applicant has submitted all required financial documents
• The market value of the property
• The applicant’s financial stability
LAPs can be useful for people who have multiple loans or credits with high interest rates. The low-interest rates on secured loans can reduce the overall cost of paying off these debts.

A business loan is a type of financing that businesses can use to cover costs associated with running their business. Business loans can be used for many purposes.

A business loan is a type of financing that businesses can use to cover costs associated with running their business. Business loans can be used for many purposes.

A personal loan is money borrowed from a financial institution with a set repayment period and consistent monthly payments. Most personal loans are unsecured, which means you don’t need to put down collateral.

Project finance is the process of funding long-term projects, such as: Infrastructure, Industrial projects, Public services.
Project finance uses a non-recourse or limited recourse financial structure. The equity debt and debt used to finance the project are paid back with the cash flow generated by the project.
Project-based funding is the long-term financing of infrastructure and industrial projects based on the project’s projected cash flows.

Working capital services include supply chain finance (factoring and reverse factoring), overdraft facilities, short-term bilateral loans, asset financing (leasing and renting plans), guarantees and letters of credit to smooth out import/ export financing.