Mr Santosh Palvia is the founder of R.E.A.L. Services (Real Estate And Loans) and heads the team. He brings along with him 13 years of experience in banking finance and Real Estate. Santosh Palvia has worked with top leading banks and has rich experience in loan syndication and finance related products. Has also served top builders and developers on launching residential projects on various platforms, like soft launch, under construction properties and ready to move in.
REAL services is your one roof solution for all kinds of loans of smaller, large and larger amounts. Whether you want to buy a house, invest in your business expansion or requirement for other purpose we offer you multiple options.
As we are partnered with the best Banks and NBFCs, we can offer the lowest interest rates with maximum loan exposure.The whole process from understanding your requirement to giving you the loan shall be guided in proper systematic steps.
It's our responsibility to serve you better with satified solution.
Loan acquired from a financial institution to purchase a home. Home loans consist of flexible or / and fixed interest rates and payment terms. Purchase of a home can be a first sale i.e. directly from a builder or a resale property.
Points to be considered : Credit appraisal, eligibility, margin money, funding amount, legal, valuation, stage of construction and many such points.
Loan required by an individual / company for a specific purpose which does not fit into the standard defined products. Formulating various products into such a combination that it complies with the requirement. Restructuring existing loan to maintain the current cash flow and EMI.
Points to be considered : Purpose and concern to the loan, complete track record of existing loans, Security value and loan exposure
One can transfer its home loan from the existing financial institution to another one due to various reasons like not satisfied with service, higher rate of interest and top up requirement.
Points to be considered : Penalty clause, lock in period, LOD and O/s letter.
CF loan is used to finance a under construction real estate project. There are various products to this depending on the current stage and type of project.. Approvals from the concerned authorities are mandatory. Inventory or Ready lock and key units can also be mortgaged and be funded. WE HAVE OUR EXPERTISE IN CF TO BUILDERS AND DEVELOPERS.
Points to consider : Ownership of land and other collateral security which can be offered.
All loans like Personal, Business, Car, Housing and others are tracked by the bank and details are forwarded to credit rating agencies. Loan repayment are made thru EMI or/and yearly payments. EMI or interest payment delay reduces the score with credit rating agencies (CIBIL).
Points to be considered : Whether account has turned NPA, reason for bounces and future plans for on track repayment.
Loan against property (LAP) is also known as 'Home Equity Loans' and is loan against the security of one's property. Property here is defined as any immovable property viz home, commercial office, retail shop, factory, hospitals, under construction property etc. LAP is availed to meet the financial needs of a person or business. It can be a fresh LAP or a takeover plus topup from any financial institute.
Points to be considered : Ownership and legality of the property. Current market value of the security and end use to be non speculative.
An environment with different backgrounds, beliefs and approach. Our work culture encourages healthy competition and challenges one to break the ice at each level. As the ancient proverb goes - Worshiping your work means believing in what you are doing. Enjoying your work to nth level so challenges fade away before arrival. .A fixed salary is justifying your committed task which shall be followed rewards in different angles and ways – bonuses, incentives, promotions, and many such more.
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