I'm a loan consultant in Indirapuram working directly with PSU and private banks. One call, a straight answer on your eligibility, and then I run the file end to end — login, legal, valuation, sanction, disbursement.
No fee to check eligibility. Your documents stay with the bank, not on a portal.
Indicative · reducing balance
Files logged with
Everything else — balance transfer, top-up, builder tie-up, plot plus construction — sits inside one of these two.
For a builder flat, a resale property, a GDA or Awas Vikas plot, or construction on land you already own. Also balance transfer if you're stuck on an old high rate.
Raise funds against a residential, commercial or industrial property you own — for business working capital, expansion, a debt consolidation, or a large personal need.
Average balance, EMI bounces, cash deposits, pass-through entries — the things a credit manager will flag. We fix the story before the file is logged, not after a rejection lands on your CIBIL.
Chain of title, encumbrance, RERA status, approved map, mutation. I work with bank-empanelled advocates and valuers, so property objections get answered in days, not weeks.
Every lender has a policy quirk — on 44AD income, on leasehold plots, on GPA-based transfers. I match your profile to the bank that says yes, instead of shotgunning applications and burning enquiries.
ITR-3, 44AD, cash-heavy business, a partnership firm's property. These are the files that get quietly dropped elsewhere. They're most of my work.
Sanction is halfway. Original documents, tripartite agreement, builder demand letter, insurance, cheque release — I follow it until the money reaches the seller.
Eligibility check, document list, property opinion — free. You pay the bank's own processing, legal and valuation charges directly to the bank.
Income, existing EMIs, CIBIL, the property you're eyeing. I give you a realistic loan figure and the banks that will do it.
Day 1 · 15 minutesYou send KYC, income proof and property papers on WhatsApp. I check them for the gaps a credit manager would find.
Day 1–3Login at the chosen bank, personal discussion arranged, credit queries answered by me — not forwarded to you.
Day 3–7Advocate's report and valuer's visit run in parallel. Objections resolved, sanction letter issued in your name.
Day 7–15Loan agreement, original property documents, tripartite where required, and the cheque or NEFT released.
Day 15–25Timelines are typical for a clean file. Resale and leasehold cases can take longer.
Property papers are separate and depend on the project. Call me and I'll tell you exactly which ones your case needs.
“Their team was highly professional and helped me get the best mortgage deal.”
“Guided me through every step of the loan process. Thank you for your support.”
“Prompt and efficient. They made the entire process seamless.”
Nothing from you for consultation, eligibility assessment or document review. Banks pay the channel partner a commission on disbursed files. You pay only the bank's own processing fee, legal fee and valuation charges — directly to the bank, by cheque or online, never in cash to me.
Not necessarily. Score matters, but so does the reason behind it — a settled card, a written-off account, an old guarantee, or just a thin file. Some lenders price for risk rather than reject. Send me your report and I'll tell you honestly whether to apply now or spend three months fixing it first.
Broadly, banks allow EMIs totalling 50–60% of your net monthly income, capped by the property's value and legal clearance. Two applicants can be clubbed, and a co-applicant with income raises the number materially. The calculator above gives you the EMI; one call gives you the eligibility.
Yes, in most cases — provided the lease deed, sub-lease and mutation are in order and the authority issues a permission to mortgage where required. This is exactly the kind of case where the choice of bank decides the outcome.
Yes. If your current rate is well above today's repo-linked rates, a transfer can save several lakhs over the remaining tenure — and a top-up on the same property is usually far cheaper than a personal loan. Share your current sanction letter and outstanding, and I'll do the maths.
Office is at D-Mall, Niti Khand-3, Indirapuram, Ghaziabad. I cover Indirapuram, Vaishali, Vasundhara, Crossings Republik, Raj Nagar Extension, Siddharth Vihar, and across Noida and Greater Noida. Property elsewhere in NCR is usually workable too — call and check.
Tell me your income, your existing EMIs and the property. In fifteen minutes you'll know what's possible — and whether it's worth proceeding at all.
Alternate: +91 70115 32586