Loading
For buying, building or transferring a home. Usually the largest financial decision a family makes, and the one where a badly prepared file costs the most time.
How we are paid and who is accountable for this file are both published openly.
We do not assess your eligibility. This is what the institutions receiving your file generally look at, so you know what your application is being read against.
Lenders read consistency, not just the total. Salaried applicants are assessed on salary slips, Form 16 and bank credits; self-employed applicants on ITR, computation and banking turnover.
Existing EMIs reduce the amount a lender is willing to extend. Recent enquiries, settled accounts and overdue amounts are all visible to the lender.
The chain of title, the approved building plan, occupancy or commencement certificates and the lender's own valuation all bear on the sanctioned amount.
Tenure is generally limited by the applicant's age at maturity. This directly affects the EMI and therefore the amount that can be serviced.
Most rejections are preparation failures, not eligibility failures. Every one of these is cheaper to fix before submission than after a decline.
Salary slips that do not reconcile with bank credits, or ITR that does not match the computation sheet. This is the single most common reason a file is returned.
A missing link in previous ownership, or an unreleased earlier mortgage, will stop a file at the legal verification stage regardless of the applicant's income.
An overdue account, or a settled entry not yet reflected as closed, is far cheaper to resolve before submission than after a rejection.
Applying to several lenders at once creates a visible pattern of enquiries. It rarely improves the outcome and often weakens it.
Requirements differ by institution and by profile. This is the working set — gather these and the preparation stage moves quickly.
We establish what you need, what you earn and what you own — before a single document is collected.
Documents verified and organised against each lender's current criteria. This is the stage that prevents rejections.
Your file goes to the partner Bank or NBFC suited to your profile. One application, prepared properly.
We stay with you through queries, valuation and sanction until the lender completes the process.
No. The lending institution decides the amount, the interest rate, the tenure and whether to approve at all. We prepare and submit your application to the institution suited to your profile.
You will get an answer, not a pitch. If your file is not ready, we will tell you what stands in the way and roughly how long it takes to fix — with nothing captured.
No form first. Message us, call +91 73041 73640, or ask us to call you back at a time you choose.
If your file is not ready, we will say so and tell you what would change it.
Loan Manager is a loan facilitation platform owned and operated by Rectangle Consultancy and Services Pvt. Ltd..
Company information