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loans@vfplcapital.com
Professional is a person who is professionally qualified in a specialized activity like doctors, chartered accountants, engineers etc.
This loan is meant for self-employed persons who are professional by qualification. Professional loan helps to grow the business. Professional loan is a personal unsecured loan which means it do not require any collateral security to apply for a loan. Though collateral is not mandatory but in case if any collateral is provided it can raise the loan amount or decrease the interest rate or may increase the loan tenure. It takes minimum efforts to apply and quick approval.
Eligibility:
- Age should be 18-65 years.
- Individual/Joint borrowers/partnership firms/companies/proprietorships can apply for this loan.
- Professionals who are already into the practice of their profession/trade with appropriate licenses.
- In case of Group of individual, every member of the group must practice the profession with license.
- Professional means the people having diploma/degree to skillfully practice the profession like doctors, lawyers, chartered accountants etc.
Documents Required
- Professional Diploma/Degree.
- Business Registration Certificate.
- Membership Certificate issued by the relevant professional authorities.
- Income Documents of the borrowers for past 3 years like Income & Expenditure/Balance Sheet of the business.
- Address Proof – Aadhar Card, Passport, Voter Id, Driving Licence, PAN Card.
- PAN Card for Company/Firm/Individual.
- Identity Proof - Aadhar Card, Passport, Voter Id, Driving Licence.
Features:
- Easy & simple to apply.
- High Loan Amount from 10 lakhs to 30 lakhs.
- Low interest rates between 12% - 18% p.a.
- Low processing fee around 0.5% - 1% of loan amount.
- Quick approval and disbursal.
- Loan tenure of 12 months to 30 months.
- No Collateral/Security required.
- No prepayment penalty.
Loan for Doctors
This business loan is provided to doctors who are practicing or giving consultation in government/private clinic or hospitals with at least 4 years of past experience. Qualification degree should be MBBS/BDS/MS/MD/MDS.
Features
- Loan amount can be used to expand or renovate your hospital/clinic or to purchase new equipment etc.
- Loan Amount can be taken up to Rs. 1 crore without any security and Rs. 2 crore with mortgage.
- Loan tenure will be 1 – 5 years.
- Interest rate starting from 9% p.a.
Loan for Chartered Accountants
A Chartered Accountant is a person who advise and audit the accounting & financial records of his client. A person who wishes to become Chartered Accountant must qualify the professional course and examination conducted by ICAI – Institute of Chartered Accountants of India.
Features
- Hassle Free processing.
- Loan Amount up to Rs. 50 lakhs
- Tenure ranging from 12-48 months.
- Low interest rates.
Loans for Engineers
An engineer is the person who applies scientific approach to design or construct machines or structures and who has taken the qualified degree for respective profession.
Features
- Loan Amount up to Rs. 30 lakhs
- No collateral required.
- Tenure ranging from 12-72 months.
- Quick loan approval within 24 hours.
- Minimum documentation required.
- Low processing fee 2%
- Low Interest rate 14% - 19% p.a.
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