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Frequently asked questions
Straight answers on Home Loan, loan against property and eligibility in Delhi NCR. A Perfect Saathi confirms every file after a visit.
- Can I get a loan without salary slips or ITR?
- Yes. Informal and cash income is assessed in person using trade-specific grids, household surplus and a visit to home and workplace. Papers help; they are not a gate.
- Do you lend on GPA / power of attorney property?
- Yes, under Perfect Plus, if the property is self-occupied, in your possession, not already mortgaged, and not on our negative-area list. Family-transfer and Lal Dora are also considered.
- How fast is the process?
- Go / no-go within 3 days of login, financial approval within 5 days. We aim for disbursal in five working days with your timely cooperation. This is a service target, not a guarantee.
- Who can apply?
- Salaried and self-employed borrowers aged 25+, not more than 65 at loan maturity, with a bank account, living in a city where we have an office. All owners and income-contributors become co-applicants.
- What can I use the money for?
- Home purchase or construction, renovation, children’s education or marriage, medical needs, shop stock and working capital, vehicle purchase, and lawful balance transfers.