You mortgage your property to the bank, get a lump sum loan amount, and repay it through EMIs over a fixed period. Once you repay fully, the lender releases your property documents.

Both salaried and self-employed individuals, can apply for LAP, provided they have steady income and clear property ownership documents.

You can pledge: Residential property (self-occupied or rented) Commercial property (office, shop, showroom) Industrial property (factory, warehouse) Non-agricultural plots.

Bank/NBFCs typically finance 50%–75% of the property’s market value, depending on income, property location, and repayment capacity.

Repayment tenure ranges from 2 years to 20 years, depending on the bank’s policy and your age.

Yes — because LAP offers lower interest rates, longer tenure, and higher loan amounts compared to personal loans.

Most banks prefer a CIBIL score of 675 or above for approval. A higher score means better loan terms and lower interest.

You can use it for: Business expansion Education or marriage expenses Medical treatment Debt consolidation Home renovation

Yes, you can use LAP funds to purchase another residential or commercial property, as long as it’s declared in your loan purpose.

The bank pays the seller or builder on your behalf, and you repay the amount in EMIs (Equated Monthly Instalments) with interest over a fixed tenure, usually 2–30 years.

Common types include: Home Purchase Loan Home Construction Loan Home Improvement Loan Plot + Construction Loan Balance Transfer Loan Top-Up Loan Home Loan for NRI

Eligibility is based on: Age (usually 21–65 years) Monthly income Employment type (salaried/self-employed) CIBIL score (700+ preferred) Property value and location

You can use a Home Loan Eligibility Calculator available on Poketcare website. Enter your income, tenure, and existing obligations to get instant eligibility results.

A CIBIL score of 700 or higher gives you a better chance of getting approved at lower interest rates.

Yes, but the interest rate may be higher. Some lenders also allow co-applicants with good credit scores to strengthen your profile.

It depends on your income and repayment capacity. Generally, banks finance up to 75%–90% of the property value.(Subjet to your income eligibility)

You can apply even with a monthly income of ₹15,000–₹25,000, depending on the bank and city.

Maintain a good CIBIL score, choose a shorter tenure, compare multiple lenders on Poketcare, and apply with a co-applicant if possible.

Unlike home or car loans, personal loans don’t need collateral. You can use the money for any purpose, and approval depends mainly on your income and CIBIL score.

Any salaried, self-employed, or pensioned individual meeting age, income, and credit criteria can apply online. Minimum age: 21 years | Maximum: 58 years (salaried) or 65 years (self-employed).

Yes! With PoketCare, you can apply 100% online — from comparing top lenders to uploading documents and tracking approval — no branch visit needed.

Most lenders offer personal loans starting from ₹25,000 to ₹40 Lakhs (and even ₹50 Lakhs for premium customers). The amount depends on your income, repayment capacity, and lender policy.

Many banks like HDFC, ICICI, and Bajaj Fiance many more offer instant personal loans within minutes for eligible customers. For others, approval may take 24 to 72 hours after document verification.

Absolutely yes. Your CIBIL (credit) score shows how responsibly you’ve handled credit. A score above 700 improves your chances of getting a lower interest rate.

Yes, but with some limits. A CIBIL below 650 may reduce your eligibility or increase your interest rate. You can still apply through PoketCare, which shows you lenders open to low-score borrowers.

It varies by lender — usually ₹15,000 to ₹25,000 per month for salaried individuals. Some private lenders may consider lower income for applicants with high stability or existing relationships.

Yes. Self-employed professionals like doctors, freelancers, or business owners can apply if they have stable income, valid business proof, and ITR for 2 years.

Popular types of business loans include: Unsecured Business Loan Working Capital Loan Business Expansion Loan MSME Loan Startup Loan Machinery Loan Term Loan Invoice Financing Business Overdraft Facility Women Entrepreneur Loan

An online business loan allows entrepreneurs to apply digitally with minimal documentation. The loan is processed, approved, and disbursed entirely online.

Banks and NBFCs assess your business turnover, credit score, and bank statements to determine your loan eligibility — no collateral is required.

Any self-employed professional, entrepreneur, or business owner with a valid business registration and income proof can apply.

Eligibility depends on: Minimum business vintage: 2–3 years Annual turnover: ₹10–40 lakh+ CIBIL score: Above 700 Age: 21–65 years

Loan amounts vary from ₹50,000 to ₹2 crore, depending on business performance and creditworthiness.

Business loan interest rates usually range between 11% and 26% per annum, depending on the lender and borrower profile.

Repayment tenure typically ranges from 12 months to 60 months (1–5 years)

You’ll need: Aadhaar & PAN Card GST certificate or business registration proof Bank statements (last 6–12 months) ITR or financial statements Proof of business address

You choose a car, apply for a loan, the lender pays the dealer, and you repay the loan in monthly EMIs over a fixed tenure with interest.

You can get up to 90–100% of the car’s on-road price, depending on your income, credit score, and lender policy.

Car loan interest rates usually start from 8.50% onwards and vary based on credit score, car type, and lender.

Car loans generally come with a tenure of 1 to 7 years, depending on the car and lender.

A car loan is a secured loan, as the vehicle is hypothecated to the lender.

Yes, most lenders allow prepayment or foreclosure after a lock-in period, sometimes with a small charge.

EMI (Equated Monthly Instalment) is the fixed amount you pay every month, including principal and interest.

EMI depends on loan amount, interest rate, and tenure. PoketCare lets you compare EMIs instantly across lenders.

Yes, both salaried professionals and self-employed individuals are eligible

An online two-wheeler loan allows you to apply, upload documents, and get instant approval digitally without visiting the branch.

The lender pays the vehicle dealer directly, and you repay the loan in monthly EMIs over a selected tenure.

Both salaried and self-employed individuals aged between 21–65 years with a stable income can apply.

Most lenders require a minimum monthly income of ₹10,000–₹15,000 for salaried or self-employed applicants.

Two-wheeler loan interest rates generally range between 8.75% to 27% p.a., depending on your credit score, lender, and vehicle type.

You can get up to 100% of the on-road price of the bike or scooter, depending on your eligibility and lender policy.

A zero down payment bike loan covers the entire on-road price — you don’t need to pay any amount upfront.

Loan tenure typically ranges from 6 months to 5 years (60 months).

Common documents include: Aadhaar & PAN card Salary slips or ITR Bank statements (last 3–6 months) Address proof Vehicle quotation or proforma invoice