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व्यावसायिक ऋण (UNSECURED BUSINESS LOAN)

व्यावसायिक ऋण (UNSECURED BUSINESS LOAN)

व्यावसायिक ऋण सामान्य रूप से दो प्रकार का होता है:

असुरक्षित व्यावसायिक ऋण (UNSECURED BUSINESS LOAN) :

 ऐसा मौजूदा व्यवसायी जो तीन साल का ITR सभी ANNEXURE के साथ ही साथ एक अच्छा बैंकिंग TRANSACTION रिकॉर्ड भी रखता है वो 50 लाख रुपये तक का UNSECURED BUSINESS LOAN प्राप्त कर सकता है, अथार्त किसी भी COLLATERAL SECURITY के बिना। हालाँकि, केवल कुछ बैंक ही ऐसा Business Loan प्रदान करते हैं।

 NORMALLY नए व्यवसायी के पास उपरोक्त कोई व्यावसायिक ट्रैक रिकॉर्ड नहीं होता है – इस दशा में आम तौर पर ये व्यावसायिक ऋण राष्ट्रीयकृत बैंकों द्वारा प्रदान किए जाते हैं। इस खंड के लिए एक व्यवसायी विभिन्न प्रकार की सरकारी योजनाओं के तहत प्रदान किए गए लाभों का लाभ उठा सकता है।

सुरक्षित व्यावसायिक ऋण (SECURED BUSINESS LOAN):

इस प्रकार के Business Loan का लाभ COLLATERAL SECURITY प्रदान करके प्राप्त किया जा सकता है अर्थात आवासीय / वाणिज्यिक संपत्ति के AGAINST ऋण। आम तौर पर आवासीय संपत्ति के मूल्य का 70% -80% या वाणिज्यिक संपत्ति के मूल्य का 60% तक का SECURED BUSINESS LOAN व्यवसायी द्वारा प्राप्त किया जा सकता है।

BUSINESS LOAN

Business loans are generally of two types:

UNSECURED BUSINESS LOAN:

 An existing businessman who has a three-year ITR with all the ANNEXURE also maintains a good banking transaction record, he can get UNSECURED BUSINESS LOAN up to Rs 50 Lakhs, i.e. without any COLLATERAL SECURITY. However, only a few banks provide such business loans.
 NORMALLY New businessman does not have any business track record mentioned above – In this case, these commercial loans are generally provided by nationalized banks. For this segment a businessman can take advantage of the benefits provided under different types of government schemes.

SECURED BUSINESS LOAN:

The benefit of this type of Business Loan can be achieved by providing COLLATERAL SECURITY i.e. the Loan AGAINST of Residential / Commercial Property. Generally, up to 70% -80% of the value of Residential Property or 60% of the value of the Commercial Property can be availed. This type of Loan is provided by all Banks i.e. Private Banks as well as Nationalized Banks.

BUSINESS LOAN

Business loans are generally of two types:

UNSECURED BUSINESS LOAN:

 An existing businessman who has a three-year ITR with all the ANNEXURE also maintains a good banking transaction record, he can get UNSECURED BUSINESS LOAN up to Rs 50 Lakhs, i.e. without any COLLATERAL SECURITY. However, only a few banks provide such business loans.
 NORMALLY New businessman does not have any business track record mentioned above – In this case, these commercial loans are generally provided by nationalized banks. For this segment a businessman can take advantage of the benefits provided under different types of government schemes.

SECURED BUSINESS LOAN:

The benefit of this type of Business Loan can be achieved by providing COLLATERAL SECURITY i.e. the Loan AGAINST of Residential / Commercial Property. Generally, up to 70% -80% of the value of Residential Property or 60% of the value of the Commercial Property can be availed. This type of Loan is provided by all Banks i.e. Private Banks as well as Nationalized Banks.

BUSINESS LOAN

Business loans are generally of two types:

UNSECURED BUSINESS LOAN:

 An existing businessman who has a three-year ITR with all the ANNEXURE also maintains a good banking transaction record, he can get UNSECURED BUSINESS LOAN up to Rs 50 Lakhs, i.e. without any COLLATERAL SECURITY. However, only a few banks provide such business loans.
 NORMALLY New businessman does not have any business track record mentioned above – In this case, these commercial loans are generally provided by nationalized banks. For this segment a businessman can take advantage of the benefits provided under different types of government schemes.

SECURED BUSINESS LOAN:

The benefit of this type of Business Loan can be achieved by providing COLLATERAL SECURITY i.e. the Loan AGAINST of Residential / Commercial Property. Generally, up to 70% -80% of the value of Residential Property or 60% of the value of the Commercial Property can be availed. This type of Loan is provided by all Banks i.e. Private Banks as well as Nationalized Banks.

Source

LOAN AGAINST PROPERTY (LAP)

A loan against property (LAP) i.e. Loan against the mortgage of property. The loan is given as a certain percentage of the property's market value, usually around 60% to 80% depend upon Property is what kind of nature. Further, nature of property means residential property, commercial property or agricultural property and available % of value of property would be also depend upon whether property is constructed or only land etc..

Type of Loan against property:

LOAN FOR COMMERCIAL PROPERTY: – Loan for purchase/ construction of commercial property in approved areas. This includes loans for office space, shops.

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FOR THE SHOP TO FRANCHISEES THESE BANKS ARE PROVIDING 50 THOUSAND TO 5 CRORE RUPEES LOAN, KNOW COMPLETE PROCESS (UNDER THE DIFFERENT SCHEMES, BANKS OFFER LOANS FOR BUSINESS)-

Business loan: If you want to start your business with a retail shop, wholesale sale or distributorship, then many banks are offering you loans ranging between Rs 50,000 to Rs 5 crore. Many banks are running such schemes, under which you can easily get a loan. Today, we are telling about these banks and their schemes.

Rs. 5 crore loan from IDBI

IDBI Bank lender up to Rs 5 crores to the traders.
This loan is given to the Whole Sale, Retail Traders, Dealers and Distributors.
The bank is taking the loan MCLR deposit up to Rs 5 lakhs from 0.50 percent to 1 percent.
The loan MCLR deposit up to Rs 5 lakh to Rs 2 crore is being taken from 2.25 percent to 2.75 percent.
These loans are provided under accessible trade policy.

Take loan from SBI in these Schemes

Various types of schemes for small businesses by State Bank of India has been run.
Under the Prime Minister's Mudra Scheme, a loan of Rs 50,000 to Rs 10 lakh is given.
No processing fees and margin money are charged on loans up to Rs 50,000.
0.50 per cent processing fee is charged on loan from 50 thousand to 10 lakh rupees.
The bank also gives a credit card with a limit of up to Rs 10 lakh to the traders.
Under this scheme, the repayment period is a maximum of 5 years.
This loan is free of collateral.
State Bank also lends up to 20 million rupees on a property base to large businessmen.
Any kind of loan can be applied online at the bank's website.

Loan from the Oriental Bank of Commerce up to Rs 1 crore

Oriental Bank of Commerce has been given a loan of up to Rs. 1 crore under Oriental Uttam Vyapari Scheme (Loan to Trader)
The bank is giving loan of up to Rs 10 lakh without any collateral under the Mudra scheme.
Under this scheme, this loan is given to new and old traders older than 1 year.
In addition to the working capital, the bank gives a term loan to buy a shop or buy a quilt, luggage, commodity filings, tools, furniture etc.
The bank is giving loan without the security of the existing shop or unit.
Repayment: Term loan can be returned from 3 to 7 years, while Working Capital Limit can be renewed every year.

Project Finance

A financing of a particular economic unit in which a lender looks initially to the cash flows and earnings of that economic unit as the source of funds from which a loan will be repaid and to the assets of the economic unit as collateral for the loan.

Key Features:
-Collateral for the loan would be Project Assets.
-Effect on financial elasticity – None or heavily reduced effect for sponsors.
-Accounting Treatment as Off Balance Sheet.
-Degree of Leverage Utilizable – Depends on the cash flows generated by the economic unit i.e. project.
-Granting of project finance would be depend upon Future Cash Flows as depicted from the projection of the feasible/viable project.

Business Loan (CC Limit)
You Know Your Finance Person suggest you to take CC Limit to run your business smoothly. However, CC Limit is provided by Banks for short term subject to renewal on the expiry of specified period and Banks charge high interest rate for this facility. Banks recover minimum charge, whether Businessman used or not used cash credit as provided by the Banks.

Every Businessman should know well about what kind of Business Loan would be more convenient and beneficiary unless and until their intention is not to become absconding person.