Lease Rental Discounting (LRD)

Welcome to Finxprt®, your trusted partner in financial solutions. Are you a property owner looking to leverage your rental income for immediate financial needs? Look no further! Our exclusive offering, Lease Rental Discounting (LRD), is here to empower you. With LRD, you can monetize your rental earnings and obtain a loan against your leased commercial property, enabling you to meet your financial goals without selling your valuable asset.

 

What is Lease Rental Discounting?

Lease Rental Discounting is a unique financing solution that allows property owners to avail of a loan by mortgaging their leased commercial property. The loan amount is determined based on the discounted value of the expected future rental income.

 

Features of Lease Rental Discounting

Loan Amount: Avail a loan up to 90% of the discounted value of your rental income, giving you access to a substantial amount of funds.

Competitive Interest Rates: Enjoy attractive interest rates tailored to suit your financial requirements.

Flexible Repayment Options: Choose from a range of flexible repayment options, including EMIs (Equated Monthly Installments) and customized loan tenures.

Quick Processing: Benefit from our streamlined loan approval process, ensuring swift disbursal of funds.

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Benefits of Lease Rental Discounting

Liquidity: Unlock the hidden value of your property and gain access to immediate funds, without having to sell your asset.

Retain Ownership: Maintain ownership of your commercial property while still availing a loan against it.

Tax Advantages: Enjoy potential tax benefits on the interest paid, subject to applicable laws.

Multipurpose Usage: Utilize the loan amount for various personal or business needs, such as expansion, debt consolidation, education expenses, medical emergencies, and more.

Competitive Interest Rates: Access affordable interest rates, making the loan an economical financing option.

Easy Repayment: Choose a repayment plan that suits your financial capability, ensuring a hassle-free loan journey.

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Uses and Flexibility

The flexibility of Lease Rental Discounting makes it an ideal solution for a range of purposes, including:

• Business expansion and growth

• Working capital requirements

• Debt consolidation

• Financing education or marriage expenses

• Medical emergencies

• Property renovation or repairs

• Other personal or professional needs

 

Eligibility Criteria

To be eligible for Lease Rental Discounting, you need to meet the following criteria:

• Must be the owner of a commercial property with a stable rental income stream.

• The property should be leased to reputed tenants with a valid lease agreement in place.

• You should have a minimum age of 21 years and maximum age as per lending policies.

• Satisfactory credit history and repayment capacity.

 

Documentation

To apply for Lease Rental Discounting, you will need the following documents:

• Identity Proof: PAN Card, Aadhaar Card, Passport, or any other government-issued identification document.

• Address Proof: Aadhaar Card, Voter ID, Passport, or utility bills.

• Property Documents: Title deeds, sale deed, lease agreement, property tax receipts, and occupancy certificates.

• Income Proof: Bank statements, rental income receipts, audited financial statements, and income tax returns.

 

Types of Lease Rental Discounting

Full LRD: Avail a loan against the entire rental income from your commercial property.

Partial LRD: Obtain a loan against a specific portion of the rental income, while continuing to receive the remaining income.

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Loan Duration and Disbursal

The loan tenure for Lease Rental Discounting typically ranges from 1 to 15 years, depending on your preferences and lending policies. Once your loan is approved, the funds will be disbursed promptly into your designated bank account.

 

How to Apply for a Lease Rental Discounting

At Finxprt®, applying for a personal loan is a seamless and straightforward process:

• Simply visit our website or contact our dedicated customer service team for assistance.

• Complete the application form by providing your personal and financial details.

• Submit the required documents electronically.

• Our team of experienced professionals will carefully assess your application and promptly contact you to offer the required assistance and guidance.

 

Conclusion

At Finxprt®, we understand the value of your commercial property and the need for financial flexibility. With Lease Rental Discounting, you can unlock the power of your property income while retaining ownership. Benefit from competitive interest rates, quick processing, and flexible repayment options. Apply now and fulfil your financial aspirations without selling your valuable asset!

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Apply for Lease Rental Discounting today and experience the benefits of unlocking the hidden value of your property. Contact us now or visit our website for a seamless loan application process.