Secured Micro LAP
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Secured Micro LAP
Secured Micro LAP is meticulously crafted to meet the credit needs of diverse trade, commercial activities, and various general business professions. It is a tailored financial solution designed to meet the unique needs of small and medium-sized enterprises which will help them to grow.
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Amount
3 Lakhs - 25 Lakhs
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Tenure
12 months – 120 months
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Rate of Interest (ROI)
Minimum 17%
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Rate of Interest (ROI)
Maximum 24%
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Annual Percentage Rate (APR)
Minimum 25.20%
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Annual Percentage Rate (APR)
Maximum 33.76%
Disclaimer: The aforementioned values, calculations and results are for illustrative and informational purposes only and may vary basis various parameters laid down by Tata Capital.
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Features of Secured Micro LAP
- Long Tenure Loans – – You can select tenure up to 120 months as per your comfort.
- Simple documentation – Your loan will be approved with minimum documentation.
- Attractive interest rates – We offer competitive interest rates to help you with get the best rate in market.
- Fast approval - You can apply for a Secured Micro LAP and get the finances in your bank account with minimum delay. We ensure a swift disbursal process.
Purpose of taking Micro LAP:
- To meet the credit needs of trade, commercial activities, other general business profession as also for their bona fide requirements.
- To undertake repairs, renovation, extension of the existing business unit
- To meet the working capital requirements of the existing business
- For purchase of machineries and equipment
- Consolidation of existing debts
Required Documents
- KYC’s of Applicant and Co applicant
- Business Stability Proof
- Ownership Proof
- Office Address Proof
- All legal papers of Collateral Property as required for legal report & valuation
Eligibility Criteria
Assessment method can be basis any of the below:-
- Basis Pucca Bills/ Kachha Bills/Register/Notebooks
- Basis ITR/GST/Bank Statement
FAQ’s on Secured Micro Loan Against Property
- Co-applicants are required in all cases. All individuals & non-individuals whose income has been considered should be co-applicants to the loan.
- Owners & Legal Heirs of the collateral
- Immediate family members such as Parents, Spouse & Major Children (daughters & Sisters excluded) will be considered as co-applicant.
- Maximum 5 co-applicant can be accepted in a loan.
- If the applicant is married, spouse is to be mandatorily taken as co-applicant.
The minimum Loan Tenor is 12 months and maximum is 120 months.
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