Beruflich Dokumente
Kultur Dokumente
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
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REQUIRED DOCUMENTS
1. SELF EMPLOYED PROFESSIONAL
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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
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Step 3
LOAN ELIGIBILITY RATIO
FORMULA = Available salary for repayment / EMI per 1
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NON RESIDENT INDIAN
SALARIED/EMPLOYED
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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
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STAGES OF HOME LOANS
2. Munirka
HUB 4. Scanning
1. Application
3. Log-In
5. Data Entry
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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