D Wealth Small Finance's Mortgage Lending Business:

D Wealth Small Finance Private Limited (“DWSF”)operates as a Lending Service Partner (BC Partner) under the “FLDG Module” for Housing Loans and Loan Against Property (LAP) in collaboration with a prominent Housing Finance Company (HFC). This partnership is structured under a Lending Service Agreement, ensuring transparency, accountability, and efficiency in loan origination, processing, and disbursement while adhering to all applicable financial regulations.

A Lending Service Agreement is a legal contract between a Lending Service Partner and the Financing Partner(Lender) to facilitate loan origination, processing, and collections. This agreement clearly defines the roles, responsibilities, and regulatory obligations of the Lending Service Partner in ensuring smooth loan disbursement while strictly complying with RBI guidelines, NHB regulations (for housing finance companies), and other statutory provisions governing financial services in India.

By operating under the Lending Service Agreement, DWSF ensures that all loan transactions are conducted with full compliance, ethical lending practices, and borrower protection, thereby fostering trust and efficiency in the housing finance ecosystem.

D Wealth Small Finance Private Limited (“DWSF”) operates as an extended branch of its Financing Partner (Lender), managing its own expenses and infrastructure while strictly adhering to the guidelines and regulatory framework set by the Financing Partner (Lender).

Owning a dream home is a significant life goal for many. We provide fully customized home loan solutions tailored to your specific requirements. With streamlined documentation, doorstep assistance, and the flexibility to choose your finance institution, we ensure that your journey to homeownership is seamless and enjoyable.

Clients can explore a wide range of possibilities for securing the perfect loan for their dream home through us.

• Buying a ready-built House, Flat, or Floor under a resale transaction.
• Buying a House, Flat, or Floor under Builder/Authority's Direct Allotment, whether under construction or ready-to-move-in.
• Self-construction of your dream home on a pre-owned plot.
• Plot purchase plus construction loan options.
• Refinancing for homes where self-financed registration was done.
• Repairs and improvements for your existing home.
• Plot Purchase Loans.

• Best interest rates offered with both fixed and floating options.
• Maximum financing against registration costs.
• Streamlined and minimal documentation requirements.
• Maximum eligibility for loans.
• Home loans available with and without approved MAP.

• Housing Finance in Regularized Colonies, Lal Dora (Village) Properties.
• First-Time Registered Properties.
• Loans accessible to individuals from all backgrounds, including those with cash salaries.

A Loan Against Property (LAP Loan) allows you to mortgage an existing property to secure a loan, providing a valuable financing solution for business expansion, weddings, your child's education, and other financial needs. With LAP, you can access funds without selling your property. This versatile financing option is available for residential, commercial, institutional, and industrial properties.

• Interest Rates: We ensure competitive interest rates tailored to our customers' profiles and properties. 

• Property: No need to worry about property type; we facilitate loans against all property types, including residential, commercial and vacant plots. 

• Purposes: Our loan is multipurpose, offering clients flexibility in end-use. 

• Repayment: Choose between an EMI-based loan with a repayment period of up to 15 years, according to your needs. 

• Customer Profile: LAP is available for both self-employed and salaried customers. 

• Eligibility: We assist clients in maximizing their loan amount through customized eligibility calculation schemes, regardless of financials or books.

Possibilities:

• Loan Against Properties in Regularized Colonies, Lal Dora areas, and Village Properties. • Loan Against Vacant Plots, including residential, commercial.