Terms and Conditions
Welcome to Loans Telangana. By accessing or using our website, www.loanstelangana.com, submitting an enquiry, or contacting us via phone, email, or WhatsApp, you agree to these Terms and Conditions.
About Loans Telangana
Loans Telangana is a Loan assistance and facilitation platform. It is not a bank, NBFC, or direct lender.
Loans Telangana assists customers seeking Home Loans, Business Loans, Personal Loans, Mortgage Loans, Education Loans, and Vehicle Loans by connecting them with banks and Non-Banking Financial Companies (NBFCs), subject to the respective lenders’ eligibility criteria and policies.
Loans Telangana neither sanctions nor approves, rejects, or disburses loans.
Loan Approval and Eligibility
An enquiry you submit with Loans Telangana does not reflect in a loan approval.
Each loan application is independently evaluated by the respective bank or NBFC. Based on the applicant’s eligibility, credit profile, submitted documents, and internal lending policies, the lender determines:
Loan approval or rejection
Sanctioned loan amount
Applicable interest rate
Equated Monthly Instalment (EMI)
Repayment tenure
Processing fees and other charges
Collateral or down payment requirements, where applicable
Other applicable loan terms and conditions
Eligibility is often based on a range of factors, including income, occupation/business profile, existing obligations, credit profile, documentation, and repayment capacity, along with lender policies.
Information and Documents
It is the customer’s responsibility to provide correct, exhaustive, and truthful information and documents.
The documents differ according to the nature of the loan and include things such as KYC records, income proof, bank statements, business documents, property records, education documents, vehicle documentation, or other supporting information.
Giving false, misleading, or deceptive information may affect the progress of an application or the decision of a lender.
Interest Rates, Fees and Loan Terms
All interest rates, EMIs, tenures, or loan amounts during the enquiry stage must be considered as indicative only and not binding in nature unless a specific confirmation from the respective lender has been received.
Banks and NBFCs will charge a processing fee and other applicable charges as per their policies.
It is important for customers to evaluate the lender sanction letter carefully and know the terms of the loan agreement and other charges applicable before taking any loan.
Customer Responsibility
Repayment capacity of the customers is essential, as they should be able to repay the loan after taking it.
Consider factors such as:
- EMI
- Repayment tenure
- Total interest
- Existing financial obligations
- Processing charges
- Prepayment or foreclosure conditions
- Collateral requirements, where applicable
Your borrowing should serve a real purpose, and you must have the ability to make the payments.
Communication
Customers can be reached for their enquiry by Loans Telangana via:
- Phone
- Website enquiry responses
Communication is fast, and sometimes real-time communication on the loan will include information, document requirements, sending application updates, and follow-up on the enquiry.
Loans Telangana will never ask customers to share passwords, PINs, OTPs, or any sensitive/ confidential authentication information.
Privacy
Any personal information that you provide while contacting Loans Telangana is dealt with as per our Privacy Policy.
Applicable information will only be shared with banks, NBFCs, or financial institutions that are participating in relation to a loan enquiry and/or application, where required.
Banks and NBFCs
Every bank and non-bank financial company works independently, i.e. each of them has its own eligibility criteria, interest rates, documentation requirements, processing procedures and internal lending policies on hand.
Loans Telangana does not control or influence the independent lending decisions made by banks, NBFCs, or other financial institutions.
The final loan agreement is made between the customer and the financial institution directly.
Website Information
The information on this site is only intended to be general information, a loan assistance place for you.
The Loan products, eligibility, and rates may change from time to time at the lender’s discretion.
Website information is not an assurance of any loan offer or qualifying terms and should not be construed as financial advice.
Limitation of Responsibility
Amount, tenure & rate of interest: Loans Telangana does not assure you of approving a loan amount or thereof, nor is it able to expedite the loan and processing time.
Loans Telangana does not control the independent lending decisions of banks, NBFCs, or other financial institutions. Loan approvals, rejections, sanctioned amounts, interest rates, and processing timelines are determined by the respective lenders. Loans Telangana does not guarantee loan approval or disbursement through www.loanstelangana.com.
Changes to These Terms
These Terms and Conditions can be changed by Loans Telangana as appropriate.
An updated version may be posted on this page with a new Last Updated date.
Governing Law
Governing Law—These Terms and Conditions are governed by the laws of India.
Contact Us
If you have any questions regarding these Terms and Conditions, please contact us using the following details:
Loans Telangana
Website: https://www.loanstelangana.com/
Phone: +91 9908746688
Email: telanganaloans365@gmail.com
Disclaimer
Loans Telangana is a loan assistance and facilitation platform and is not a Bank, NBFC & Direct Lender. Loan approval, loan amount sanction, interest rate, repayment tenure, fees, and everything else are provided by the bank/NBFC solely based on applicant eligibility, documents submitted to them by the applicant, credit analysis, as well as internal lending policies of the bank/NBFC.