For New Loan call us on: 9899106930, 9899106585
For New Loan call us on: 9899106930, 9899106585
What Perfect Offers You
Exclusive focus on low& middle income segment
Total family income to be considered for loan eligibility
Specialized assessment as per the borrower’s business/trade
Income documents not a hindrance for calculating loan eligibility
Doorstep service and fast processing
Why choose Perfect
LOAN WITHOUT FORMAL INCOME DOCUMENTS
Yes, it is possible for you to avail a home loan or a loan against property without income proof. We would also tell you that though income proof is important as far as availing a loan is concerned, but in some cases like cash salaried individual, small grocery/kirana shop owner, daily wage earners etc. a loan can also be given by assessing the income.
At Perfect Finance we have Tailor-made our credit approach to better serve our target segment:
• Focus on assessing borrower’s income from all sources
• Use of in-house industry grids to benchmark applicant income
• Visit to borrower’s current residence, office and property mandatory
• Considering the income of all family members in the disposable income.
LOAN WITHOUT FORMAL INCOME DOCUMENTS
Quick turnaround & timely delivery are the key tenants which drives us at perfect Finance. Our first & foremost aim is to ensure that we provide a GO – NOGO within first 3 days and a financial approval within 5 days of login to the customer. We handhold the customer through out the loan process and ensure that all financially approved cases are disbursed within 3-5 days subject to availability of clear & marketable property documents. Turn around time is measured at each stage of the approval & disb-ursal process, so that there are no gaps in providing fast decisioning & quick turnaround.Technology remain at the core to enhance speed & provide timely decisioning to our customers. Our fast decisioning & disbursement process are the key differentiators.
LOAN WITHOUT FORMAL INCOME DOCUMENTS
We at Perfect Finance believe in providing best in class service experience to all our customers. We maintain complete transparency, in providing information to the customer.
Our website provides information regarding the product & services along with Grievance Redressal & KYC. Once a customer walk in to any of our offices a detailed explanation about the loan conditions and information on disbursal cycle (detailing the various stages of construction & the percentage of loan amount that can be released at each of these stages) of a Plot Purchase plus construction loan, Self-Construction loan & Home extension loan is given. In case of any query, the customer can walk in to any of our branches or connect with our central customer service team (on 9899106930 , 9899106585 or mail at info@perfectfinmart.com), all these customers are provided with a customer service request number and depending upon the kind of request the team provides solutions within a pre
approved turn around time.
Perfect Vision, Mission & Differentiators
Vision
To be a preferred financial partner in providing the low and middle income households of India with affordable Financial help ( for Purchasing Home , Constructing Homes, Children’s Wedding or Business Expansion ) in an innovative and personalized manner, thereby making a positive impact on the standard of living of our customers.Focus on the Informal Income/affordable housing space and tap this large & growing market to build a scalable business model.
Mission
To deliver customer friendly and hassle free loans and help facilitate the dreams of millions of Indians to own a home or to have their own business .Build adequate size & scale using technology & robust processes to achieve our goals. Build value for various stakeholders like our Customers/Employees /Investors, in the process of building the company. Focus on training around credit philosophy, Income assessment techniques and processes, which is going to be our key to SUCCESS.
Differentiators
We aim to offer superior Homely and Friendly experience to the borrowers.Operational efficiencies and reduce turnaround time for customers. Reach out to a wider range of customers using digital communication and through development of unconventional distribution models. Use of credit scoring and with greater Focus on Personal Discussions to enhance the speed and accuracy of credit approvals.