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We arrange to provide various types of loans to ensure that they meet all your needs.
  1. To Purchase new, old or constructed Residential, Commercial or Industrial property

    The loan-amount for which one approaches a bank to buy/ construct or extend a residential property is called home loan. Being a secured advance, interest rate of a home advance is relatively lower than an unsecured credit, for example, personal advances. The sum of the home advance can differ in accordance with your income, record as a consumer, the city you are buying in and different components. You can apply for a home credit mutually with your life partner, relatives or others as co-candidates. Home advances for the most part have longer reimbursement time which extends from 5 years to 30 years. The reimbursement time for a home advance is settled at the time you apply for home advance.
  2. Loan against Residential, Commercial or Industrial property

    In a Loan against Property, the property is mortgaged and a settled level of the overall market value of the property is sanctioned. These advances are a superior alternative than personal loans due to their lesser rate of interest. Credits against property are a very favored type of advances in India, and are substantially more effectively accessible with the surge in banks and NBFCs giving such advances. Alongside being practical, these advances are sensibly advantageous because of the generally low Loans against Property interest rate. You may obtain LAP by mortgaging your residential or commercial property.
  3. Business Loan

    A business loan is granted to an industrialist and aspiring entrepreneurs to help them begin or expand their businesses. Banks offer a variety of business loans designed to meet their businesses’ needs. The real advantage of business loans in India is that it doesn't need any security and the majority of the banks endorse such loans with nominal pre-payment fee. Another advantage is that if one fails to repay it, at that point the entrepreneur won't exclusively confront the weight of penalty yet the entire organization will be sold with a specific goal to clear the business advance.
  4. Personal Loan

    Personal loan is a kind of loan obtained by the people for meeting the needs of the family and also for their own needs. For an instance: To pay personal expenses, go on a vacation, to buy any asset etc. Personal loans are particularly designed for those who don't want to go through the hassles of giving security or hypothecation. It is very easy to obtain personal loan from banks and other lenders. Personal loan is commonly used to meet such financial needs as debt consolidation, wedding expenses, unexpected medical costs, home renovation and others.



Applying for home loans online or offline requires the borrower to submit a list of documents as demanded by the loan provider. Documents required for home loan vary as per the employment type of the individual, i.e. salaried or self-employed.

Know your customer (KYC) Income proof Current Loans Property documents (for Secured Loan only)
PAN Card Salary slip/ Certificate Sanction Letter/ Amortization or EMI Complete Chain of property
Aadhar Card/ Driving License/ Passport/ Voter ID Card etc. Income tax return/ Form 16/ Form 16A Loan Account statement/ Bank Statement showing EMI debited per month of current loans Approved Sanction Plan/ Map from authority, society or builder

A specific list of documents required for loan applications are as follows:
• The completely filled and signed home loan application form
• Recent photographs and investment proof (if any)
• Proof of identity (photo copies of Passport/ Voters ID card/ Aadhaar Card / PAN Card /Driving Licence).
• Proof of address (photo copies of Passport/ Voters ID card/ Aadhaar Card/Driving Licence/ Bank Statement).
• Statements of investments, if any
• Past three months’ salary slips and six month’s salary account statements in case of salaried profile.
• Complete Income Tax return with computation of income, Profit and loss, Balance Sheet, Tax Audit report that has been certified by a Charted Accountant.
• Professional certificate and TDS statement in case of professionals profile (Doctor, Lawyer, architect, Chartered Accountant etc.)
• One year current and saving account statement for business profile.

In addition to these, you may have to also submit the following documents:
• List of property documents and foreclosure statement issued by existing lenders in case of balance transfer cases.


Ans - No.The Loan To Property Value (LTV) ceiling depends on the quantum of loan sought and is divided into slabs. “The RBI has allowed up to 90 per cent LTV, if the loan is up to Rs 30 lakhs. The LTV for loans between Rs 30 lakhs and Rs 75 lakhs, is 80 per cent. For loans higher than Rs 75 lakhs, you can get a maximum LTV of 75 per cent. The age of the applicant, credit score and the total liabilities of the applicant, also affect the LTV they are eligible for.
Ans- Yes. Both the loan principal amount and the interest paid towards loan repayments provide tax benefits under Section 80C and under Section 24 of the IT Act respectively.
Ans- Various family members like father, mother, siblings, etc. can co-sign a home loan with you. other than that your spouse or adult children can also be co-signors in case you are applying for a home loan. In India, as per existing rules, your friend cannot co-sign a loan as he/she is not a blood relative or otherwise related to you.
Ans- In case of individual’s applicants in floating rate of interest, lenders cannot charge a pre-payment/ foreclosure penalty as per RBI directives however a penalty may be applied in case of non individual’s in fixed/ floating rate of interest.
Ans: The market value of a property is the estimated value in terms of money that a property can raise if it is sold at prevailing conditions.
Ans: The tenure of a loan against property usually can be as long as 15 years, with interest rates typically ranging from 12% to 15.75%. The exact tenure and interest rate on your loan may vary to a certain extent from one lender to another.
Ans: Yes, several financial institutes offer loans against property to NRIs, subject to verification of all documents.



Attention Investors :
  • Prevent unauthorised transactions in your account.
  • KYC is one time exercise while dealing in securities markets.
  • No need to issue cheques by investors while subscribing to IPO.
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