Features & Benefits:

1. Attractive Interests Rates.
2. Balance transfer Facility
3. Minimum Documents
4. Doorstep Service
5. Nominal Prepayment Charges
6. Loan to Value will be 50% of the Valuation.
7. The rate of interest for Mortgage Loan will be @ 1.5% per month.

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Requirements for Application:

1. Application form duly filled in.
2. Residence and Age verification, which may be established from the PAN card, Election ID, Passport, Driving license and Ration card etc.
3. Copy of approved plan and sanction letter from local civic authority.
4. Copy of NA permission.
5. One/two guarantor/s form/s and salary certificates. - If guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
6. Bank Pass-book of statements for the last one year.
7. Latest salary slip/statement showing all deductions in case of employed applicants.

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Terms & Conditions and Charges:

• Initial login fee of Rs. 500/- minimum or 3 % of loan amount which is higher will be charged from the applicant.
• Rs. 500/- minimum or 3% of loan amount which is higher will be deducted from disbursement amount on account of Processing Fees, legal and valuation charges etc.
• The rate of interest will be @ 1.5% per month.
• Avail loan amount ranging from Rs. 10,000 to Rs. 2 Lakhs.
• The valuation of the Property and related legal work will be done by BODI NIDHI LIMITED through professionals authorized by the Company.
• Mortgage Registration charges will be borne by the borrower.
• The loan instalment will be paid on monthly basis.
• Instalment Bouncing charges is 10 % of EMI amount will be charged to borrower for instalments bounced.
• In case of non-payment of instalment for 12 months, the loan account shall be treated as NPA and necessary legal action will be initiated.
• The expenditure on legal proceeding against NPA account plus due loan amount and 5% penalty interest will be recovered from the borrower.