Unit # 513, Room # G-9, 5th Floor, Diamond Heritage Building, 16, Strand Road, Kolkata 700001
+91 90389 03864
info@finvestikservices.com

We Get You Loans

Need Loans? Connect With Us

From Home to Personal loans, we'll guide you through the process to secure the perfect financing for your needs, ensuring you get the best rates and terms available.

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Personal Loan

A personal loan is an unsecured loan or a consumer, multipurpose loan provided by financial institutions for a fixed rate and monthly payment by assessing income, employment history, repayment capacity and undertaking credit checks. Personal loans require minimum documentation with a quick turnaround time. It gives the payment flexibility in terms of choosing the tenure of the loan. Personal loan spans from one year to seven years and applicant has the right to square off the loan amount thereby reducing leverage. Foreclosure charges may attract some fees depending on the policies of various financial institutions. A personal loan, due to its tenure, may be taken for education, marriage in the family, medical or for home renovation.

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Business Loan

A business loan or commercial loans is a way of debt financing for business enterprises that involves borrowing money from a financial institution to be paid back over a certain period with interest. It can be used to help business owners with growth, manage cash flow or invest in fixed assets for the business purpose. Term loans or lines of credit are the different types of business loans which help business owners to raise capital from banks or different financial institutions. Accordingly, suitability depends on the purpose of the loan, vintage of the business and credit history of the business and owners.

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Home Loan

A home loan is a sum of money that a bank or other lending institution lends to a specific borrower so that they can use it to fund the purchase of a property. A repayment duration for the loan will be agreed upon by the lender and the borrower; normally, this will be between 15 and 20 years. A repayment plan will also be agreed upon by the lender and the borrower; this plan will typically be monthly. The funds are borrowed at a given interest rate and returned in smaller instalments known as EMIs (Equated Monthly Instalments) within a specified time frame. Different types of home loans are Home Construction loan, renovation loan, extension loan , plot loan , balance transfer loan. Home loans consist of an adjustable or fixed interest rate and payment terms.

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Loans Against Property

LAP is a secured loan availed by individuals and businesses against the mortgage of residential or commercial property thereby acting as a collateral against the loan amount. Amount financed can be used for various purposes like marriage in the family, education, home renovation, home extension or even medical purposes. Interest rates are relatively cheaper than personal loans and banks or NBFC’S can fund such large amounts for a longer period for e.g. till 15 years. LAP is a secured loan; it acts as a good deterrent against unsecured loans like PL, BL as with lesser interest rates and higher tenure thereby leveraging income debt component. One of the important features of LAP is it can be a term loan or a line of credit facility depending on the requirement of the individual or businesses.

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Car Loan

A debt facility which is used to buy a vehicle used for personal or commercial purposes and facilitated by a licensed bank or any financial institution is termed as Car Loan. Auto loans are typically secured loans, which means they use the vehicle as collateral. As a result, auto loans tend to have lower interest rates than unsecured loans, such as personal loans. That said, the lender technically owns the car and holds the title until you pay off the loan. If you fail to keep up with payments, the lender can repossess the vehicle. Depending on the lender and the loan amount, you may be able to pay back your loan over 36 to 84 months, or three to seven years. Through downpayment customers can reduce the amount they need to finance thereby reducing the overall interest component. Loans with shorter repayment terms tend to offer more favorable terms, but higher monthly payments.

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How We Help

Why Choose Finvestik Services

At Finvestik Services, we prioritize transparency, integrity, and excellence in everything we do. Our mission is simple: to provide top-quality financial services that help our clients navigate the complexities of finance and build a secure future for themselves and their families.

  • Experienced Financial Advisors
  • Personalized Guidance
  • Proven Financial Solutions
  • Transparent Approach
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TO BECOME A CLIENT

Ready to Get Started?

Have questions or ready to take the next step towards financial prosperity? Reach out to us using the contact form below. Our team is ready to assist you with all your financial needs. Whether you're looking for loan assistance, investment advice, insurance solutions, or simply seeking expert guidance, we're here to help.

Welcome to Finvestik Services, where financial success meets expert guidance. Founded by Namita Ray, a renowned financial advisor in Kolkata, Finvestik Services is committed to empowering individuals and businesses to achieve their financial goals with confidence.

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