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CREDI T A PP RA ISA L
OF A
LOAN APP LI CA NT
UMANG GUPTA
Roll No. 057533
Bachelor of Business Management
Department of Management
Faculty of Social Sciences
D.E.I

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HDFC Ltd

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OBJECTIVE

 Repayment capacity
calculation of applicants
 Learn about CSN of HDFC
Ltd.
 Dealing with customers

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INTRODUCTION
 Salaried

 Self Employed Class

 Self Employed Professional

 Non Resident Indian

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REQUIRED DOCUMENTS
1. SELF EMPLOYED PROFESSIONAL

Application form with photo

Identity and residence proof

Educational Qualifications Certificate and Proof of Business Existence

Last 3 years Income Tax returns (self and business)

Last 3 years Profit and Loss and Balance Sheet

Last 6 months Bank Statements

Processing Fee Cheques


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REQUIRED DOCUMENTS – Contd.

2. SELF EMPLOYED BUSINESSMAN

 Application form with photo


 Identity and residence proof
 Educational Qualifications Certificate and Proof of
Business Existence
 Last 3 years Income Tax returns (self and
business)
 Last 3 years Profit and Loss and Balance Sheet
 Last 6 months Bank Statements
 Processing Fee Cheque
 Business Profile

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PROCESS- Income to Installment Ratio
Loan Eligibility Ratio

STEP 1

GROSS SALARY
REPAYMENT CAPACITY.
Slip of the current 3 months
Regular Items
Example: Additional HRM, Vehicle Allowance etc.
Profit Allowances = (Average of 3 Months) / 2

Non regular Items


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Step 2
 Income to Installment Ratio
 Gross Income
 Obligations - Towards family, Nos. of
children, spending habits
 Customers Profile

IIR = EMI / INCOME *100
 FOIR = EMI+OBLIGN \INCOME*100
(FIXED OBLIGATION TO INCOME RATIO)

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Step 3
 LOAN ELIGIBILITY RATIO

FORMULA = Available salary for repayment / EMI per 1

Lakhs of the amount


 It is the ratio of the salary to be considered for
repayment of the loan and the EMI per 1 lakh of the
loan amount

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NON RESIDENT INDIAN
 SALARIED/EMPLOYED

Salary is converted into Indian Currency


for computing credit worthiness

 SELF EMPLOYED PROFESSIONALS

Loan Eligibility = Gross Profit X 2

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STEP UP REPAYMENT FACILITY
The EMI Chooser 1

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The EMI CHOOSER 2

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FLEXIBLE LOAN INSTALLMENT
PLAN

The advantage joint payment,


personalization, easy repayment is coupled up
with it being only available solution in the
market for variable income home loan demand
In the Illustration the father is going to pay only for
105 months and after that we are to consider the
sons salary only for the next remaining 60 months

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STAGES OF HOME LOANS
2. Munirka
HUB 4. Scanning
1. Application
3. Log-In
5. Data Entry

8. DISBURSE The 6. Recommendation


Loan Over (ROVR)

7. Fix
Charges 7. Double
Checking
Over (DCOVR)

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QUESTIONS

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Thank You !

UMANG GUPTA
Roll No. 057533
Bachelor of Business Management
Department of Management
Faculty of Social Sciences
D.E.I

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