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Collateral Process

Require the applicants MUST be in United States of America and India which requires an equity based property as collateral for his/her loan acquisition. Applicant will need to bring documents to our office for verification/inspect the property before granting them the loan with trust that the applicant will pay back at the end of the terms. We do not accept any other property type or kind due to the fact that some of our customers have missed used this opportunity. They sometimes claim to have properties and provide us copies of ownership, when they are un-able to pay back loan, we intended to claim these properties, only occur to us that the properties belong to their family. The family will then insist, they did not intend to involve in the transaction at first. This is why Collateral's Process is not met for the applicants out-side United State of America and India .     

Non-Collateral Process

All Applicants abroad {Outside United State of America and India} MUST choose Non Collateral Process because is in accordance with the Lending policy 174 / Ur in the amended constitution of the ACT 2004 in the lending policy: This process required deposit of payment to obtain a non-collateral / security known as (Bank Guarantee) that will be kept in a fixed account in your name that can actually yields equivalent value of the loan you are obtaining during stipulated duration of the loan.  If you are unable to pay back the loan, your collateral will be claim and if you pay back the loan, your payment will be returned back to you. One thing about this alternative option is that, it is a Non-collateral / security obtained from banks here which is popularly known as bank securities. When you obtain this non-collateral / security, it actually yields equivalent value of the loan you are obtaining during the stipulated duration of the loan which can be used as a substitute for the loan when you are unable to pay back.


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