MOONSTONE LOAN SERVICES

Moonstoneinfosys is leading services as fiancé consultant since long time. We offer products of the purposes For construction and purchase of house (Home Loan-HL), Repair and renovation of dwelling units (Home Improvement Loan- HIL), Plot Purchase and Construction thereon (PCL), Loan against Property (LAP), Balance Transfer Facility from other Financial Institutions (BT) etc… We provide door to door services for document collect for all loans in north Gujarat territory ( District of Mehsana, Patan, Palanpur, Himatnagar etc…) 

Home Loan

Attractive interest rates to make your Home Loans affordable and easier on your pocket.

  1. Customized repayment options to suit your needs.
  2. No hidden charges.
  3. Expert legal and technical counselling to help you make the right home buying decision.

We offer Home Loan solutions to our customers for construction, purchase, repair and renovation of dwelling units and our strength is in our ability to closely understand our customer’s repayment ability and tailor our offerings to that. We offer loans to all segments where formal income documents are not available and each loan offer is made after assessing the applicant through field investigation and cash flow assessment. Under this Assessed Income program we offer loans up to 35 lacks subject to eligibility as computed by EHFL.

We have a vast and growing network of branches manned by our own staffs which helps in ensuring a fast and seamless customer experience with emphasis on a single window interface for the customer. Our Branch Operations have significant technology architecture to ensure industry leading customer experience.

We offer attractively priced products and our Rate of Interest captures the individual details of each customer through a customised credit underwriting model.

We also offers Balance Transfer facility on attractive terms to help our customers lower their EMI cash outflows and also avail of attractive Top Up facilities subject to their eligibility.

Salaried or Self Employed

  1. We offer products for the following purposes-
  2. For construction and purchase of house (Home Loan-HL)
  3. Repair and renovation of dwelling units (Home Improvement Loan- HIL)
  4. Plot Purchase and Construction thereon (PCL)
  5. Loan against Property (LAP)
  6. Balance Transfer Facility from other Financial Institutions (BT)

Our strength is in our ability to closely understand our customer’s repayment ability and tailor our offerings to that. We offer loans to all segments where formal income documents are not available and each loan offer is made after assessing the applicant through field investigation and cash flow assessment.

 

LTVs range from 50% to 90% depending upon product category with interest rates being calculated based on monthly rests. The tenure also ranges from 10 years to 20 years again depending upon product category.

 

We have also structured our product suite to cater to the following variety of customer segments

 

Product for Employed customers with Cash Salary / Self Employed customers with Assessed Income

 

Products for Employed customers with regular bank salaries / Self-employed and Professional customers based on their formal income proof

Interest Rate

Interest rate willdepending on individual credit assessment of the customer documentary. Basically Home loan interest rate is staring from 8.45% in case of customer having complete documentary. 

SME LOANS:–

we give flight to entrepreneurial dreams by providing financing solutions to the business owners as well as Small and Micro Enterprises, helping them achieve their business aspirations. We provide loans from Rs. 3.5 lacsuptoRs. 25 crore to the MSME segment for their varied financing needs, helping them achieve their business aspirations.

 

We understand the importance of timely financing in the success of a business, and offer our clients bespoke solutions that help maximise their business opportunities. A dedicated Moonstone infosys Relationship Manager partners with clients to evaluate their funding needs such as capital expenditure, working capital, business expansion and works on structuring a customised solution that works best to meet their evolving needs.

 We also understand the importance of financing for SME growth.

We understand that your financial needs may be both varied and time critical. We have thus developed an in-depth understanding to deliver express financial solutions for a variety of SME business types with our distribution across India. Our robust product suite offers options across Secured, Equipment and Business loans tailored to address your financial objectives such as Working Capital, Business Expansion, Equipment Purchase/Refinance, Capital Expenditure, Commercial / Industrial Property purchase and take-over of Existing Loans including top-up.

SME Business loan

What is an sme Loan?

Small Medium Enterprises (SME) loans are a form of business loans extended only to medium-sized enterprises. These loans are tailor-made to suit the needs and requirements of SMEs. Whether you’re looking to grow one, SME Loan from MOONSTONE would prove to be the smartest option.

Eligibility

Loans offered to Sole Proprietorship Firms, Partnership Firms, Private Limited Companies and closely held Public Limited Companies.

Minimum 3 years of track record in the business

Profit making business for the last 2 years

Minimum Turnover of 25 lacs

Fees and Charges

Loan Processing Charges

  • Micro Million : 3.5% of the loan amount + applicable taxes
  • Mini Million & E Million Loan :3% of the loan amount + applicable taxes
  • Multi Million & Super Million Loan : 2% of the loan amount + applicable taxes

Prepayment / foreclosure charges

  • 4% of the principal amount outstanding +applicable taxes

Stamp duty and other statutory charges

  • As per applicable laws of the state

Documentation

  1. Financial & ITR- 2 Years
  2. Primary bank statement for last 6 months
  3. KYC documents of director(s)/partner(s)/proprietor and firm
  4. Existing facility/loan sanction letter

SME Equipment Loans

Eligibility

  1. Loans offered to Sole Proprietorship Firms, Partnership Firms, Private Limited Companies and closely held Public Limited Companies
  2. Minimum 3 years of track record in the business
  3. Profit making business for the last 3 years
  4. Minimum Turnover of 25 lacs

Fees and Charges

Loan Processing Charges

2% of the loan amount + applicable taxes

Prepayment / foreclosure charges

4% of the principal amount outstanding + applicable taxes

Stamp duty and other statutory charges

As per applicable laws of the state

Documentation

  1. Financial & ITR- 3 Years
  2. Primary bank statement for last 6 months
  3. KYC documents of director(s)/partner(s)/proprietor and firm
  4. Existing facility/loan sanction letters
  5. Machinery Invoice

SME Secured Loans

Featurs and Benefits

  • Loan amount from INR 1 Lac to INR 25 Cr
  • Tenure of upto 10 years
  • Highest loan to value ratio in the market for Residential and Commercial properties
  • Loan against Residential, Commercial and Industrial Properties
  • Refinance and top-up of existing loans
  • Loans for purchase of commercial property

Eligibility

  1. Loans offered to Sole Proprietorship Firms, Partnership Firms, Private Limited Companies and closely held Public Limited Companies
  2. Minimum 3 years of track record in the business
  3. Profit making business for the last 3 years
  4. Minimum Turnover of 25 lacs

Fees and Charges

Loan Processing Charges

2% of the loan amount + applicable taxes

 

Prepayment / foreclosure charges

4% of the principal amount outstanding + applicable taxes

 

Stamp duty and other statutory charges

 As per applicable laws of the state

 

Documentation

  1. Financial & ITR- 3 Years
  2. Primary bank statement for last 6 months
  3. KYC documents of director(s)/partner(s)/proprietor and firm
  4. Existing facility/loan sanction letters