Fullerton India Review: Things To Know Before Taking A Loan!
Nowadays, if you are in need of money, whether it’s for personal uses or for your business, getting it instantly is a major convenience. Therefore, many new loan institutions are cropping up globally. One such company from India that I am going to discuss is Fullerton India Ltd.
To learn more about this Kolkata-based company, read this post till the end!
Fullerton India: Company Overview
Fullerton India credit company Ltd is a new finance company originating from Kolkata, India. With its headquarters in Park Street, they have managed to gain a lot of traction lately by providing instant loans to people and businesses.
One of the primary reasons they have become popular is because of how easy it is to get approved loans from Fullerton. Plus, their loan application processes are easy – you can do them entirely online if you wish to! In addition, you don’t need a Fullerton India credit company limited account!
Fullerton is similar to other Indian financial institutions like Navi, PayMe India, and LoanTap.
Fullerton India Personal Loans
Fullerton India is widely renowned for providing personal loans to account holders at lower-than-average interest rates. As long as you are eligible for Fullerton India personal loans and you are a salaried employee, you will get such loans quickly.
All the procedures of this company are completely transparent to ensure that there are no hidden charges or secret terms and conditions in place. In addition, most of the Fullerton loan payment solutions can be customized by you to an extent.
| Maximum Loan Amount | Upto INR 25,00,000 |
| Repayment Tenure | Minimum 12 months, maximum 60 months |
| Interest Rate | Starting from 17% |
| Processing Fees | Upto 6% of the total loan amount |
| Prepayment Charges | Upto 7% of the total loan amount |
Why Should You Apply For Fullerton India Personal Loan?
Some of the benefits of applying for a Fullerton India personal loan are:
- The application process for this loan is 100% digital – no paperwork is required.
These personal loans are free of any collateral. - Repayment tenures for these personal loans are flexible.
- Since these are personal loans, the reasons for applying for this loan can be anything.
Required Documents
To apply for this loan, you need the following documents:
- A filled application form that is also digitally signed.
- Identity proof (should contain proof of your address, age, and citizenship)
- Salary Pay Slips for the last three months
- Bank statement for the last six months
- Form 16 Income Tax Returns report
- Other necessary financial statements and Proof of income (if you are self-employed)
Personal Loan Eligibility Criteria
You will be eligible for Fullerton India personal loans by meeting these requirements:
| Age | Minimum 21, maximum 60 |
| Employment Status | Must be salaried or self-employed |
| Minimum Income | Minimum salary INR 25,000 |
| Credit Score | 750+ CIBIL score with a good credit history |
| Nationality | Indian |
| Work Experience | Minimum 1 year of work experience |
Fullerton India Business Loans
If you are an entrepreneur and you are in need of funds to expand your business, then contact Fullerton India. They have business loans for all types of businesses, both big and small.
Not only will these loans help you manage your business capital necessities, but they will also help you manage your capital needs for other purposes. This includes inventory purchases, workspace expansion, marketing, and any other additional payments.
| Maximum Loan Amount | Upto INR 50,00,000 |
| Repayment Tenure | Minimum 12 months, maximum 60 months |
| Interest Rate | Starting from 11.99% |
| Processing Fees | N/A |
| Prepayment Charges | N/A |
Why Should You Apply For Fullerton India Business Loan?
The primary benefits of applying for loans from Fullerton India home finance company limited are:
- All the loan facilities provided by the company are flexible since you have a loan repayment tenure of upto 48 months.
- Such business loans of upto INR 50 lakhs will be provided to you quickly within 24 hours after you apply.
- There are no collaterals for Fullerton business loans.
- You can access your loan account online pretty easily.
Required Documents
To apply for this loan, you will need these documents:
- A recently clicked photograph of you.
- Identity proof, like your PAN card.
- Address proof like your passport.
- Necessary bank statements
- Income Tax Report (ITR) files or GST Reports
- Income proof
- Business existence proof (like your business’s Certificate of Existence)
Business Loan Eligibility Criteria
You and your business will be eligible for these loans if you meet these requirements:
| Age | Minimum 25, maximum 65 |
| Business Status | Sole proprietorship or partnership |
| Minimum Turnover | Minimum INR 10,00,000 per annum, with INR 2,00,000 profit |
| Credit Score | 750+ CIBIL score with a good credit history |
| Nationality | Indian |
| Business Experience | Minimum 3 years of business life with profits in the last two years |
Other Types Of Fullerton India Loans
Apart from the two loans described above, which are the specialty of Fullerton India, they also provide other customizable loans like:
- Loan Against Property: If you have an immediate expense to clear out as soon as possible, then you can get a loan against your property as collateral instantly!
- Two-Wheeler Loans: These are short-term loans for purchasing your first two-wheeler!
- Home Loans: If you wish to purchase that dream house you have been eyeing for some time, you can apply for this loan!
- Commercial Vehicle Loans: If your business needs a commercial vehicle like trucks and other vehicles, you can apply for this loan!
How To Apply For Fullerton India Loans?
If you wish to apply for a Fullerton India loan, you have to follow a simple process, which I have described below:
- First, go to the Fullerton India official website.
- Here, click on the Apply Now button at the top of the page.
- Now, out of all the loan options, select the type of loan you wish to apply for.
- Depending on the type of loan you have chosen to apply for, an application form will open on your screen. Fill it up with all the required details.
- After you have filled up the application form, click on Next.
- An OTP will be sent to your registered email ID and phone number. Confirm them by following the on-screen procedures.
- Now, you must upload scanned copies of the necessary paper documents.
- After you are done uploading scanned copies, click on Submit.
After you hit the final Submit button, Fullerton India will get back to you if your loan is approved in the next 24 hours.
Conclusion
Fullerton India provides loans to people who are in dire need of them. All you need to do is meet their eligibility criteria and apply for their loans online! Plus, they provide many loans like personal loans, business loans, loans against property, two-wheeler loans, commercial vehicle loans, and home loans to apply for!
If you have any queries, please comment below!
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Navigating Home Financing: A Deep Dive Into Non-Qm Mortgage Loans
In the realm of mortgage financing, Non-QM (Non-Qualified Mortgage) loans have emerged as a flexible and inclusive option for individuals who may not fit the traditional lending criteria. This comprehensive guide aims to shed light on the intricacies of Non-QM mortgage loans, exploring their definition, eligibility criteria, benefits, and considerations for those seeking alternative paths to homeownership. If you're curious about Non-QM loans and want to learn more, click here. Understanding Non-QM Mortgage Loans What Are Non-Qm Loans? Non-QM loans fall outside the guidelines set by government-sponsored entities like Fannie Mae and Freddie Mac. Unlike traditional Qualified Mortgages (QM), Non-QM loans provide a more inclusive approach to lending by considering a broader range of borrower profiles. Eligibility Criteria For Non-Qm Mortgage Loans 1. Credit Flexibility Non-QM loans are designed to accommodate borrowers with unique credit profiles. Individuals with a recent bankruptcy, foreclosure, or fluctuating income may find Non-QM loans more accessible. 2. Debt-To-Income Ratio Variation While conventional mortgages often adhere to strict debt-to-income ratios, non-QM loans allow for greater flexibility. Borrowers with higher debt-to-income ratios may still qualify based on other compensating factors. 3. Alternative Documentation Traditional mortgages often require extensive documentation to verify income and employment. Non-QM loans, however, may accept alternative forms of documentation, making them more suitable for self-employed individuals or those with non-traditional income sources. 4. Unique Property Types Non-QM loans can be more lenient when it comes to financing unique property types. This flexibility is beneficial for borrowers looking to invest in non-traditional homes or properties. Benefits Of Non-Qm Mortgage Loans 1. Accessibility For Non-Traditional Borrowers Non-QM loans provide an alternative for borrowers who don't meet the stringent criteria of conventional mortgages. This inclusivity extends to self-employed individuals, retirees, and those with unique financial circumstances. 2. Flexible Underwriting Criteria The flexibility of non-QM loans allows lenders to consider a broader range of factors beyond the traditional credit score and debt-to-income ratio, providing more opportunities for approval. 3. Unique Property Financing Borrowers interested in financing unique or non-traditional properties may find Non-QM loans more accommodating than traditional mortgages. 4. Credit Repair Opportunities For individuals with recent credit challenges, Non-QM loans can serve as a stepping stone to homeownership while providing an opportunity to rebuild credit over time. Considerations And Drawbacks 1. Higher Interest Rates Non-QM loans typically carry higher interest rates in contrast to conventional mortgages. It's crucial for potential borrowers to thoroughly assess the long-term financial implications. 2. Potential For Larger Down Payments Some Non-QM lenders may require larger down payments, impacting the initial financial commitment for borrowers. 3. Limited Regulatory Protections Non-QM loans are not subject to the same regulatory protections as Qualified Mortgages. Borrowers should carefully review loan terms and conditions. 4. Variable Loan Terms Non-QM loans may come with variable terms and conditions. Borrowers must understand and assess the specific terms offered by lenders. The Non-Qm Mortgage Loan Application Process 1. Pre-Application Consultation Prospective borrowers should engage in a pre-application consultation with a Non-QM lender. During this phase, the lender will assess the borrower's unique financial situation and discuss available loan options. 2. Documentation Submission Borrowers will be required to submit documentation to support their application. This may include alternative income documentation, proof of assets, and other relevant financial information. 3. Underwriting And Approval The lender will conduct a thorough underwriting process, considering the borrower's unique circumstances. Upon approval, the borrower will receive a loan offer with specific terms and conditions. 4. Property Appraisal As with any mortgage, a property appraisal may be required to determine its value and suitability for financing. 5. Closing And Homeownership Upon completing the necessary steps and meeting any remaining conditions, borrowers can proceed to the closing. This involves signing the required paperwork, officially making them homeowners. Conclusion Non-QM mortgage loans offer a valuable alternative for individuals who may not fit within the parameters of traditional lending. While they come with certain considerations and potential drawbacks, the inclusivity and flexibility of Non-QM loans make them a viable option for a diverse range of borrowers. As with any significant financial decision, thorough research, consultation with non-QM lenders, and a clear understanding of the terms are crucial. If you're intrigued by the possibilities of Non-QM mortgage loans and want to explore more, click here for additional information. Read Also: How To Get Personal Loan On Bajaj Markets Speed Up Your Funding: A Quick Guide To Business Loans What You Should Know Before Committing To A Cash Buyer
Dec 04, 2023