by Sunrise AssociatesWhere a ₹1 crore+ loan goes wrong, and what we check first
If you are not sure which one fits, that is what the first call is for. We don’t publish rates here: they change, and the right one depends on your profile.
Home loan
Buying a premium home, or paying more than you need to on one.
What lenders read
Your income and its stability, the property’s legal title and valuation, and your existing commitments.
What we check first
- The rate in writing, with benchmark and spread
- Insurance: optional on paper?
- Government charges for your amount
| Typical ticket | ₹1 crore and above |
|---|---|
| Documents (later) | Your advisor gives you the list for your case |
| Rate | In your written summary, with the date it applies from |
Your advisor confirms ticket size, tenure and timeline for your case on the first call.
Balance transfer
Moving an existing home loan, only if the saving beats the cost of moving.
What lenders read
Your outstanding balance, remaining tenure, repayment record and the property’s current valuation.
What we check first
- The net saving after every cost of moving
- Whether your current bank will match
- That tenure is not quietly extended
| Typical ticket | ₹1 crore and above |
|---|---|
| Documents (later) | Your advisor gives you the list for your case |
| Rate | In your written summary, with the date it applies from |
Your advisor confirms ticket size, tenure and timeline for your case on the first call.
Loan against property
Working or expansion capital against residential or commercial property.
What lenders read
The title chain, the lender’s own valuation, and your repayment capacity from accounts and banking.
What we check first
- Title chain complete, names matching
- Valuation range across lenders
- Existing charges on the property
| Typical ticket | ₹1 crore and above |
|---|---|
| Documents (later) | Your advisor gives you the list for your case |
| Rate | In your written summary, with the date it applies from |
Your advisor confirms ticket size, tenure and timeline for your case on the first call.
Business loan
Working capital, term and project funding, and unsecured loans for established firms.
What lenders read
Turnover, banking history, existing borrowing and the security offered.
What we check first
- Which facility fits the need
- Banking and turnover tell one story
- Existing borrowing is declared
| Typical ticket | ₹1 crore and above |
|---|---|
| Documents (later) | Your advisor gives you the list for your case |
| Rate | In your written summary, with the date it applies from |
Your advisor confirms ticket size, tenure and timeline for your case on the first call.
Car loan
High-value vehicle purchases.
Also arranged
- Dropline overdraft
- Cash credit
- Term loans
- Project loans
Find out before you sign, not after.
30 seconds. No documents. A call within 24 hours.