Question 1

What types of loans does ZatpatLoans offer?

Accepted Answer

We offer Home Loans, Business Loans, Personal Loans, Mortgage Loans, Project Loans, Balance Transfer, Working Capital Finance, and Structured & Low CIBIL cases. We work with 125+ banks and NBFCs to find the best deal for your specific needs.

Question 2

How do I apply for a loan through ZatpatLoans?

Accepted Answer

You can apply online through our website by filling the contact form, call us at +91 88667 06060, visit our Ahmedabad or Gandhinagar office, or WhatsApp us. Our loan expert will guide you through the entire process.

Question 3

What is the minimum and maximum loan amount I can apply for?

Accepted Answer

Minimum and maximum amounts vary by loan type. Personal loans start from ₹50,000, while project loans can go up to ₹50 Crore. Contact us for specific details based on your need.

Question 4

Is there any consultancy fee?

Accepted Answer

At ZatpatLoans.com, transparency is our priority. No consulting charges, no hidden fees. Our partner vendors also do not charge customers for consultation.

Question 5

What is the minimum credit score required?

Accepted Answer

Most banks prefer a CIBIL score of 700-800+. However, we specialize in low CIBIL cases and work with lenders who evaluate alternative income proofs and banking strength. Higher scores improve approval chances and interest rates.

Question 6

Can self-employed individuals apply for loans?

Accepted Answer

Yes! Eligibility is assessed using the last 2-3 years of Income Tax Returns (ITR), Profit & Loss statements, Balance Sheets, and business vintage of minimum 2-3 years.

Question 7

What is the age requirement for loan eligibility?

Accepted Answer

Salaried: Minimum 21 years, maximum typically up to 60 years at loan maturity. Self-Employed: 21 to 65 years (varies by lender). The loan should be repaid before the age limit.

Question 8

How can I improve my loan eligibility?

Accepted Answer

You can enhance eligibility by adding a co-applicant (spouse or family member), maintaining a high credit score (750+), opting for longer tenure, declaring additional income sources, and choosing properties approved by major banks.

Question 9

What documents are required for salaried individuals?

Accepted Answer

Latest 3 months salary slips, 6 months salary bank statements, Form 16 (2 years), PAN Card, Aadhaar Card, appointment letter (if less than 2 years employment), and passport-size photographs.

Question 10

What documents are required for self-employed applicants?

Accepted Answer

Last 2-3 years ITR, Profit & Loss Account, Balance Sheet, Audit Report, 12 months current account statements, GST Registration, Shop & Establishment Certificate, PAN Card, Aadhaar Card, and business proof.

Question 11

How many months of bank statements do I need?

Accepted Answer

Salaried: 6 months salary bank statements. Self-Employed: 12 months current account statements and 6-12 months savings account statements. Healthy transaction patterns are important.

Question 12

Do I need a guarantor for loan approval?

Accepted Answer

Not all loans require a guarantor. Personal loans and some business loans are unsecured. Home loans may require a co-applicant depending on the loan amount. Adding a co-applicant can also enhance eligibility.

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