Manoj Kumar Middha
GURU CAPITAL FINANCE
E-mail address
manoj.kotak@yahoo.com
Mobile Number
+91 -9672333323
Location
Manoj Kumar C/. Guru Capital Finance Shop N. 718 Near Dinesh Battery Tibbi Road Hanumangarh Town 335513 Raj.
Our Services
Gold Loan
Gold loan A gold loan is a secured loan that allows you to borrow money by pledging your gold as collateral. The loan amount is usually a percentage of the gold's market value. How it works You visit a bank or financial institution branch with your gold The gold is valued You complete an application form The lender approves the loan You receive the loan amount You repay the loan in installments over a set period You receive your gold back once the loan is repaid Benefits Quick funds: Gold loans can be a good option if you need money quickly Minimal documentation: Gold loans may require less documentation than other types of loans No credit history required: Gold loans are often approved based on the quality and quantity of the gold, not your credit score Cheaper than unsecured loans: Gold loans are secured loans, so they are generally cheaper than unsecured loans
Personal Loan
Personal Loan A personal loan is a type of debt that allows a person to borrow money from a lender and repay it in fixed installments over a set period of time. Personal loans are also known as installment loans or consumer loans. How it works The borrower receives a lump sum of money after approval The borrower pays back the loan in fixed monthly installments The interest rate, monthly payment, and repayment term are based on the borrower's creditworthiness, income, and other factors What it can be used for Debt consolidation, Home improvement, Unexpected expenses, Large purchases, and Investing in yourself. How it's different from other loans Personal loans are unsecured, meaning they don't require collateral Unlike a car loan, most personal loans don't require collateral Personal loans can be more flexible than specific loans like car or home loans Where to get it Personal loans can be obtained from banks, credit unions, and online lenders
Vehicle Loan
A vehicle loan is a financial agreement that allows you to borrow money to purchase a vehicle. The vehicle itself is used as collateral, which means the lender can repossess it if you can't repay the loan. How it works The lender pays the seller the full amount of the loan You make monthly payments to the lender for a set period of time Your payments go toward the amount you borrowed plus interest Eligibility You'll need to meet certain eligibility criteria, such as age, income, and credit history You may need to provide documents like your photo ID, proof of residence, and income tax returns Repayment The length of your repayment period can vary, but it's usually between 36 and 72 months Longer repayment periods typically result in lower monthly payments, but you'll pay more in total Some lenders charge prepayment penalties if you pay off the loan early Fees
Home Loan
Home Loan A home loan is a loan from a financial institution that allows you to purchase or renovate a home. It's a type of secured loan, which means the home itself is used as collateral. How it works You borrow money from a bank or financial institution The home you purchase or plan to construct is used as collateral You make monthly payments, called equated monthly installments (EMIs), to repay the loan After you've made all the payments, the home is yours Benefits Home loans can offer tax benefits, such as deductions on interest and principal repayments They can also help you build equity in your home Eligibility You'll need to meet certain eligibility criteria, such as: Being at least 21 and less than 65 years old Having a good credit score Having a stable job or steady source of income Having a clear title to the property you plan to purchase or build Types of home loans Fixed-rate home loans, Floating-rate home loans, Hybrid home loans, Home renovation loans, and Home construction loans.
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