Easy Loan Policy

Privacy Policy

D M DEVELOPER built the Easy Loan app as a Free app. This SERVICE is provided by D M DEVELOPER at no cost and is intended for use as is.

This page is used to inform visitors regarding my policies with the collection, use, and disclosure of Personal Information if anyone decided to use my Service.

If you choose to use my Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that I collect is used for providing and improving the Service. I will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at Easy Loan unless otherwise defined in this Privacy Policy.

Information Collection and Use

For a better experience, while using our Service, I may require you to provide us with certain personally identifiable information, including but not limited to basic details. The information that I request will be retained on your device and is not collected by me in any way.

The app does use third party services that may collect information used to identify you.

Link to privacy policy of third party service providers used by the app

• Google Play Services
• Google Analytics for Firebase
• Firebase Crashlytics

Log Data

I want to inform you that whenever you use my Service, in a case of an error in the app I collect data and information (through third party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing my Service, the time and date of your use of the Service, and other statistics.

Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.

This Service does not use these “cookies” explicitly. However, the app may use third party code and libraries that use “cookies” to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some portions of this Service.

Service Providers

I may employ third-party companies and individuals due to the following reasons:

• To facilitate our Service;
• To provide the Service on our behalf;
• To perform Service-related services; or
• To assist us in analyzing how our Service is used.

I want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Security

I value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and I cannot guarantee its absolute security.

Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by me. Therefore, I strongly advise you to review the Privacy Policy of these websites. I have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children’s Privacy

These Services do not address anyone under the age of 18. I do not knowingly collect personally identifiable information from children under 18. In the case I discover that a child under 18 has provided me with personal information, I immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact me so that I will be able to do necessary actions.

Loan Interest and Fees

1. Interest rate 8 % APR

2. Processing Fee : Processing Fees of 1% of Loan Amount + Applicable tax

3. Tenure 1-15 Years

4. Preclosure Fee 0

5. Loan Amount 1 - 30 Lac

Example : If loan Amount is 100000

Tenure : 1 Year

Interest rate : 8%

Loan Document

1.      A Financiers Home Loan

This loan is for purchasing a row house, bungalow or flat from approved developers. This loan can also be utilized to purchase a freehold property and properties in an existing or proposed apartment owner’s association or cooperative housing society.

2.      Home Improvement Loans

With A Financiers Home Improvement Loans, you can make external and internal repairs, structural improvements and more to improve your quality of living. The loan amount can be utilized for terrace waterproofing, borewell, construction of water tanks, paving of compound wall, roofing, electrical & plumbing tasks, external and internal painting and for grills and aluminium windows.

3.      Home Renovation Loan

You can renovate your house according to your taste with A Home Renovation Loans.

4.      Rural Housing Loans

A Financiers offers rural housing loans for purchase of a new home, home extension, renovation & improvement of home and construction of a house on a plot in rural areas.

5.      Rural Housing for Agriculturists

Specially crafted to meet the home loan requirements of agriculturists in rural areas, A Financiers rural home loans for agriculturists will enable constructions of houses in residential area of their village. Also, loans are offered for buying a house or a flat in a city of their choice. This loan is offered for dairy farmers, horticulturists, planters and farmers.

6.      Rural Housing Loans for Self-Employed and Salaried

A Financiers also offers home loans in rural areas for self-employed professional & businessmen and also for salaried people.

Features and Benefits of A Financiers Home Loan

The following benefits and features offered by A Financiers Home Loans makes it a product in demand at the financial market.

·  High Loan Quantum: A Financiers offers up to 75% of the cost of the property, including the land cost. The maximum loan amount is decided by the repayment capacity of the customer. For home loans and home renovation loans, 75% of the estimated cost is offered as loan subject to market value of the property and subject to valuation of property by A Financiers.

·  Repayment Term: A Financiers home loans comes with a maximum repayment term of up to 15 years. However, this is subject to the retirement age of the applicant.

·  Flexible Repayment Options: Borrowers can repay the loan as affordable Equated Monthly Instalments (EMI) which is calculated based on the loan amount, tenure and interest rate. Customers can make the EMI payment through Electronic Clearing System (ECS) or Post Dated Cheques (PDCs).

·  Security: For A Financiers home loans, the first mortgage of property that is finance by deposit of title deeds or such documents is taken as security. Other collateral security is taken if necessary.

·  Hassle-Free Loan Experience: With features like easy documentation, friendly customer service experience, transparent processing and wide network of branches, you can be guaranteed of a customer-centric loan experience.

Eligibility for A Financiers Home Loans

·  A Financiers Home Loans are offered for salaried customers. self-employed businessman and self-employed professionals.

·  The applicant must be an Indian resident.

·  The applicant must also have a stable source of income and the financial capacity to repay the loan.

·  Home Loans can be availed individually or jointly. Co-applicants need not be co-owners of the home. But, the proposed owners of the property will have to be co-applicants.

·  For income criteria and other conditions, enquire with A Financiers.

Documentation for A Financiers Home Loans

The documents required vary depending on the applicants’ nature of employment and income source. Here are some of the documents required for A Financiers home loans along with duly filled application form & photographs.

Salaried Customers:

·  Latest salary slips

·  Form 16

·  Bank statement for last 6 months

·  ID proof

·  Residence Proof

Self-Employed Professionals:

·  Proof of business existence and educational qualifications

·  Residence proof and ID proof

·  Last 6 months bank statements

·  Last 3 years Profit and Loss sheet and Balance Sheet

·  Income Tax returns for self and business

Self-Employed Businessman:

·  Business profile

·  Last 6 months bank statements for self and business accounts

·  Business Profile and related documents

·  Proof of business existence

·  Certificates for educational qualifications

·  Income Tax Return (ITR) statements for self and business maintained by the applicant for income calculation.

Miscellaneous Documents:

·  In addition to all the above mentioned documents, all class of applicants must also submit a detailed cost estimate from engineer or architect for property to be renovated in case of home improvement loans and home renovation loans.

·  Other related documents might be asked for depending on the home loan type. Do enquire with A Financiers about a comprehensive list of documents required before proceeding with the paperwork.

 

Privacy location

Only Rajasthan India

Changes to This Privacy Policy

I may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. I will notify you of any changes by posting the new Privacy Policy on this page.

This policy is effective as of 2020-12-16

Contact Us

If you have any questions or suggestions about my Privacy Policy, do not hesitate to contact me at dm.developer1947@gmail.com.