Loans – Kred Experts

Education Loan

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Car Loan

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Loan Against Property

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Home Loan

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Home Loan

Find Your Ideal Home Loan with KredExperts

Your dream home is closer than you think, and KredExperts is here to help you make it a reality. Explore
our tailored home loan options, designed to fit your unique needs with competitive rates and flexible
EMIs:

Build Your Dream Home: If you’ve got the land but need financial support to bring your dream house to life, our Home Construction Loan is just what you need. We’re here to help you build or renovate, ensuring your home is exactly as you’ve envisioned.
Expand Your Living Space: Whether your family is growing or you simply need more room, our Home Extension Loan can help you add that extra space. From building an annexe to adding a new floor, we’ll support your expansion plans.
Upgrade Your Home: Everyone deserves a comfortable and modern living space. Our Home Improvement Loan makes it easy to refresh your home, whether it’s updating furniture, fixing lighting, or making other important upgrades.
Own Property Back Home: If you’re an NRI dreaming of owning a home in India, our NRI Home Loan is tailored for you. We’ll guide you through the process, making it as smooth as possible so you can invest in a place you can call home.

At KredExperts, we’re committed to turning your homeownership dreams into reality, one step at a time.
Let’s create the home you’ve always wanted.

Wondering if You Qualify for a Home Loan? Let’s Find Out

At KredExperts, we’re here to guide you through the process of securing your home loan. Here’s a
breakdown of what you’ll need to be eligible:

Age Criteria:

You need to be at least 21 years old to start your loan, with a maximum age of 65 by the time it matures.
For Salaried Applicants: Age range is 21 to 58 years.
For Self-Employed Applicants: Age range is 25 to 65 years.

Personal Loan

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Personal Loan

Harness the Power of a Personal Loan with KredExperts

A personal loan is your financial ally, offering the flexibility you need without requiring any collateral. Here’s how it can serve you:

Streamline Your Debts: Consolidate multiple obligations into one manageable loan, potentially lowering your interest rates and simplifying your financial life.
Revamp Your Home: Give your living space a fresh look or make necessary upgrades. A personal loan can help you create the home you’ve always wanted.
Cover Medical Costs: In times of unexpected health issues, a personal loan can provide the funds you need to focus on what matters most—your well-being.
Handle Life’s Surprises: Whether it’s a sudden car repair or an urgent home fix, a personal loan from KredExperts can be the cushion you need during unexpected events.

At KredExperts, we’re here to support you every step of the way, helping you navigate life’s financial
challenges with ease.

Are You Eligible for a Personal Loan? Let’s Find Out Together!

At KredExperts, we’re here to help you every step of the way. To get started with a personal loan, there
are a few key criteria you’ll need to meet. Don’t worry, we’ll walk you through it:

Age Bracket: You should be between 21 and 60 years old. It’s all about finding the right financial fit for where you are in life.
Income Requirements: If you're salaried, a minimum monthly income of ₹15,000 is needed. For self-employed individuals, your yearly transactions should total at least ₹20 lakhs. We’re here to help you find the right financial solution that matches your earnings.
Credit Score: A credit score of 650 or above is typically what lenders look for. A good score means better loan options for you.
Debt-to-Income Ratio: This is how much of your income goes towards paying off debts. A healthy balance means you’re in good standing to take on a new loan.
Employment Stability: Lenders like to see that you’ve had steady employment, as it shows you’re reliable.
Credit History: Maintaining a strong credit score and having a clear repayment history shows lenders that you’re a trustworthy borrower.
Residency: You must be a Resident Citizen of India to qualify for a personal loan with us.

Remember, at KredExperts, we’re not just looking at numbers—we’re here to understand your story and
guide you towards the best financial decisions for your future.

Ready to Apply for a Personal Loan? Here’s What You’ll Need

At KredExperts, we’re committed to making your personal loan application process as smooth as
possible. To get started, here’s a list of the documents you’ll need:

Identity Proof: We accept a variety of documents like your Passport, Voter’s ID, Driving License, PAN Card, or Aadhaar Card. These help us know you better.
Proof of Residence: To verify where you live, you can provide your Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card, or even utility bills like your Electricity or Telephone Bill, or your Ration Card.
Age Proof: Your Passport, Voter’s ID, Driving License, PAN Card, or Aadhaar Card will also work here to confirm your age.
Income Proof: To understand your financial standing, we’ll need your bank statements for the past year and your last three months' salary slips.
Employment Proof: A certificate from your employer and proof of your office address will help us confirm your job stability.
For Self-Employed Individuals: If you’re self-employed, we’ll need your GST or VAT Registration documents.
Photographs: A couple of passport-size photos will do the trick.
Business Proof (for Business Owners): If you own a business, bring along your registration documents like a partnership deed, Memorandum of Association (MOA), Articles of Association (AOA), etc.
Income Tax Returns: To verify your income and tax history, we’ll need your income tax returns from the past 2-3 years.

At KredExperts, we’re here to guide you through every step of the process, ensuring that everything is
clear and straightforward. Let’s work together to get you the financial support you need.