CREDIT PRODUCTS

Only the best professional services

Personal loan

A PL is an unsecured Loan to meet immediate needs like medical, travel, eudcation etc.ROI depends on Credit score, Income and employment type.

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Business loan

Unsecured BL provides business owners to get access to funds to run business at attractive rates. Hassel free process, tension free business.

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Home loan

Every one dreams of a house and we make it possible for you. Avail loan upto 360 months and upto 90% of property value.

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Car Loan

Aspiration to own a Car comes easy with easy availibility of car loan. One can get loan for both used and new car .

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Balance Transfer

If your existing loan whether HL, PL or Loan against property is going on at a higher rate you can opt for a balance transfer to other Banks, NBFC or HFC.

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LAP & Commercial Property Purchase Loan

Mortage residential, commercial, Factory, Industrial Property and get loan upto 80% of property value.

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Partners

Our Banking Partners

We Follow transparent process

Why Choose Exzova ?

Combined industry experience of all founders more than 20 years, Professional advice, Doorstep service and Multiple banking , Fintech and NBFC partners.

Unbiased Banks advice

We dont disturb customers

Door step and Quality servce

Online and Offline Process

Pan India Operations

Refund and Passbacks

UPDATES

Current Interest Rate

Rate of Interest of loan products varies from banks to banks. The ROI is linked with REPO rates for banks and internal lending rates for NBFC and Fintech. Exzova updates customers on rate change in their website from time to time.

Current Interest Rate

Product Type Rates Starts from
Home Loans 8.20% onwards
Loan against Property 8.75% onwards
Personal Loans 10.49% onwards
Unsecured Business Loans 15% onwards
Balance Transfer HL 8.20% onwards
Car Loans 10.5% onwards

Illustration of total cost of a personal loan

  • The annual percentage rate (APR) of a personal loan vary from : 10.50% to 36% (Annual Rate) depending upon the profile of the client,the company he works for and his credit score.
  • Repayment Period: Minimum of 12 months (1Year) to maximum of 60 months(5 Years).
  • Processing Fee : Depending upon lenders the processing fees of a personal loan vary from 1%-4% of the loan amount + GST. Eg: For a personal loan of 1 lakh the processing fees will be 1000 -4000 + GST depending upon lenders. The procesing fees is adjusted in the loan amount Eg: If loan amount is 1 lakh Processing fees is 2% so net amount after disbursement will be Rs 98000
  • Representative Example:, if you take a loan of Rs. 1 lakh at the rate of 16% with repayment tenure of 3 years, your EMI will be Rs 3,516. The total payable amount at the end of 3 years would be Rs 1,26,565. Therefore, you are paying total interest amount to the tune of Rs 26,565. This, however, excludes other applicable charges which are documentation charges and processing charges:
  • Pre Payment Charge:Option to pre pay a loan may or may not be available depending upon the lender.The charges of pre payment also vary from bank to bank. The charges of pre payment vary from 0% - 4% of principal a,ount out standing + GST
  • No fees is charged or payble to us .

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