Loan
Loan
Home Loan
Home is where the heart is!
At Ethique Wealth, we understand this better than most – the toil and sweat that goes into building/ buying a house and the subsequent pride and joy of owning one. This is why our Housing loan schemes are designed to make it simple for you to make a choice at least as far as financing goes!
Home loans are loans that are taken for the purpose of buying a house. Home loans are secured loans. The house acts as a collateral or security to the loan.
Loan Against Property
Loan against property refers to a situation in which the borrower takes a loan from a bank or financial institution where the security for the loan is a property that is owned by the borrower. The nature of the property will determine the amount of the loan that is possible and the extent of the amount of the loan that is actually available at a certain point of time. Availing of a loan against property ensures that the necessary borrowing is completed with the security being created and that the funds are available for the necessary use at a low interest rate. The interest rate is lower than other loan interest rates because the property element makes it a type of secured loan. Loan against property is similar to other loans like home loan, personal loan, etc., but it is available for those who own a property which is not already mortgaged and the person should also be willing to give the property as a security for the loan. The property also has to be in a condition that meets the requirement of the lender because it has to have the necessary value in order to be eligible to be held as a security. The various other conditions of the loan in terms of operation will be as per the standard conditions present for a loan and this usually covers the mode of repayment, calculation of interest as per the agreed rate of interest, term of loan and so on.
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Car Loan
The subject of Car loan comprises the different financial products which allows someone to acquire a car with any arrangement other than a single lump payment. The provision of car finance by a third party supplier allows the acquirer to provide for and raise the funds to compensate the initial owner, either a dealer or manufacturer.
Car finance arose because the price of cars was out of the reach of individual purchasers without borrowing the money. The funding for personal car finance is provided either by a retail bank or a specialist car financing company.
Education Loan
Ethique Wealth understands the education and admission process in India and in various countries across the world. On the basis of our extensive research, Ethique Wealth offers tailor made solutions to offer unmatchable features and service standards.
Unlike banks which typically charge a fixed rate for a certain category of students, Ethique Wealth has a range of rates depending on the institute, co-borrower details, collateral security offered and the academic background of the student.
Ethique Wealth has specialised products for various countries like USA, Canada,Germany, etc. We understand that students going to countries like Germany require 60-70% of their education loan to be disbursed before the Visa process.
Personal Loan
Personal loan, a loan to meet your current financial needs, is also referred to as an unsecured loan as there is no security against it. It is usually taken by borrowers who are looking for quick and easy loans with manageable interest rate and Minimum documentation.
Be it a loan for a holiday abroad, your child’s education loan, a loan for home renovation, a loan for a marriage or wedding in the family, repayment of an existing loan, an emergency or even buying that precious gift for your loved one, with Ethique Wealth easy Personal Loans, you don’t have to worry about financing your dreams and responsibilities.
