Loan Against Credit Card Receipt By Financeseva.com
| Bank Name | Interest Rate Range (%) | Processing Fees | Maximum Tenure | Foreclosure Charge | Card Swapping charge | |
|---|---|---|---|---|---|---|
|
13.00% - 14.00%
|
2%
|
12
|
2
|
025%
|
|
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|
13.50% - 14.50%
|
2%
|
12
|
3
|
0.25
|
|
|
15.00% -16.00%
|
2%
|
12
|
3
|
0.25
|
|
|
13.00% - 14.00%
|
2%
|
12
|
3
|
0.25
|
|
|
13.00% - 14.00%
|
2%
|
12
|
3
|
0.25
|
|
|
16.00% -18.00%
|
2%
|
12
|
3
|
0.25
|
|
| Bank Name | Key Features | |
|---|---|---|
|
|
Interest rate
13.00% - 14.00%
Fore closure charge
2 |
|
|
|
Interest rate
13.50% - 14.50%
Fore closure charge
3 |
|
|
|
Interest rate
15.00% -16.00%
Fore closure charge
3 |
|
|
|
Interest rate
13.00% - 14.00%
Fore closure charge
3 |
|
|
|
Interest rate
13.00% - 14.00%
Fore closure charge
3 |
|
|
|
Interest rate
16.00% -18.00%
Fore closure charge
3 |
|
Documents Required
- Individual
- Prop Firm
- Partnership Firm-LLP
- PVT. LTD.
- Photographs 2
- PAN Card Copy
- AADHAR CARD + PASSPORT
- ADDRESS PROOF IF RENTED ALSO REQUIRED PERMANENT ADDRESS PROOF
- LAST 3 YEARS FORM -16, ITR WITH COMPUTATION OF INCOME IF FILE
- LAST 1 YEAR BANK STATEMENT - SALARY ACCOUNT
- LOAN SCHEDULE & SANCTION LETTER (IF RUNNING
- COMPLETE PROPERTY PAPERS WITH CHAIN & MAP +ATS
- PROCESSING FEE CHEQUE IN FAVOUR OF BANK
- LAST 3 MONTHS SALARY SLIP + APPOINTMENT LETTER
- PHOTOGRAPH BOTH
- PAN CARD CLEAR COPY PROPRIETOR.
- ADD PROOF (PASS PORT, VOTER ID CARD) PROPRIETOR.
- OFFICE ADDRESS PROOF LATEST. (ELECTRICITY BILL, TELEPHONE BILL)
- FIRM REGISTRATION CERTIFICATES & GST REGISTRATION COPY
- LAST 1 YEAR GST RETURN COPY
- FIRM 3 YEARS ITR COMPUTATION, PROFIT LOSS A/C, BALANCE-SHEET, TAX AUDIT REPORT, ALL SCHEDULED & ANNEXURE
- PROVISIONAL FINANCIAL AY 2019-20
- BANK ACCOUNTS (CURRENT ACCOUNT, CC ACCOUNT, OD ACCOUNT LAST 1 YEAR UPDATED.
- 6 MONTH SAVING ACCOUNT STATEMENT UPDATED (PROPRIETOR)
- IF RUNNING ANY LOAN PLEASE PROVIDE SANCTION LETTER AND REPAYMENT SCHEDULED
- AGREEMENT TO SELL COPY
- PROPERTY PAPERS WITH CHAIN SANCTION MAP
- PHOTOGRAPH PARTNERS
- PAN CARD - COMPANY, ALL PARTNERS
- ADD PROOF - ALL PARTNERS (PASS PORT, VOTER I CARD ,PAN ,ADHAAR)
- FIRM ADD PROOF- LATEST ANY UTILITY BILL.
- PARTNERSHIP DEED COPY
- GST CERTIFICATE
- GST Return last 1 years
- 3 YEAR COMPANY ITR COI P/L A/C BALANCESHEET + AUDIT REPORT 3CB 3CD, ALL ANNEXXURS, SCHEDULED WITH C.A.CERTIFIED.
- PROVISIONAL FINANCIAL AY 2019-20
- 3 YEAR.ALL PARTNER INDIVIDUALS ITR + COMPUTATION
- FIRM ALL A/C BANK STATEMENT 1 YEAR UPDATED
- ALL PARTNER SAVING A/C STATEMENT 6 MONTH.
- IF RUNNING ANY LOAN – LATEST SANCTION LETTER + TRACK RECORDS OR REPAYMENT SCHEDULED.
- Agreement To Sell copy
- PROPERTY PAPERS COMPLETE CHAIN WITH MAP
- ALL DIRECTORS PHOTOGRAPH
- CLEAR PAN CARD - COMPANY AND ALL DIRECTORS.
- ADDRESS PROOF – COMPANY AND DIRECTORS.
- LIST OF DIRECTOR & SHARE HOLDER WITH CA CERTIFIED AS ON DATE
- MEMORANDOM
- ORDER IN HAND AND COMPLETE COPY (if applicable)
- GST, SALE, VAT AND SSI REGISTRATION CERTIFICATE.
- 1 YEAR GST RETURNS
- ALL DIRECTORS INDIVIDUALS ITR & COMPUTATION LAST 3 YEARS.
- LAST 3 YEARS COMPLETE FINANCIAL WITH TAX AUDIT REPORT AND ANNEXURE.
- COMPANY ALL BANK ACCOUNT STATEMENT 1 YEAR UPDATED.
- ALL DIRECTORS SAVING A/C STATEMENT 6 MONTH.
- IF RUNNING ANY LOAN – LATEST SANCTION LETTER AND REPAYMENT SCHEDULED.
- AGREEMENT TO SELL COPY
- PROPERTY PAPERS COMPLETE CHAIN WITH SANCTION MAP
Frequently Asked Questions
What are loans against credit card receipt?
Loan against credit card is a kind of personal loan. If you are using a credit card, you can easily apply for an instant loan against your card. The only difference between a personal loan and a loan against credit card is that a Personal Loan takes a couple of day to get approved while a loan against credit card is pre-approved. Unlike a personal loan, a loan against credit card does not require documentation.
What are the required documents?
Normally, a bank asks for the following documents when you apply for a credit card:
- A copy of your address proofs such as recent electricity bill, telephone bill, driving license, passport etc. (Any of these documents).
- A proof of your identity such as PAN card, voter ID card, driving license, passport etc. (Any of these documents).
- A few recent passport size photographs.
- Last 3 months’ salary slips for salaried employees.
- A copy of office ID card – for salaried employees. <
What is the Eligibility for this kind of loan?
You are eligible to get a loan against your credit card if you fulfill the following conditions:
- Normally, banks offer loan against credit card for both existing and new customers. However, banks like HDFC offers it for existing HDFC Credit Card holders only.
- Having a credit card account is a must to get this loan.
- Also, you need to have a good credit history. Banks offer loan against credit card provided you have good record of credit repayment and a high credit standing.
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