How is eligibility assessed for self-employed promoters with complex income structures?

For business owners and promoters, eligibility is assessed using ITR, audited financials, GST returns, and banking turnover — not salary slips. We identify lenders whose credit models are calibrated for complex income structures, including those with significant non-salary income, holdco distributions, or multiple entities contributing to total income.

Can we structure the loan at the HUF or entity level rather than personal?

Yes. We advise on the optimal borrowing structure — individual, joint, HUF, or company — factoring in tax efficiency, liability isolation, and estate planning implications. The right structure can materially reduce effective borrowing cost and simplify succession planning.

How do you manage loan structuring for acquisitions above ₹10 Cr?

For premium acquisitions, we work with private banking desks at select institutions who have appetite and underwriting expertise for high-value residential transactions. These relationships are not accessible through standard retail channels and typically carry more favourable rates, co-lending options, and structuring flexibility.

MORTGAGE SOLUTIONS

Home Loans

Premium residential financing from ₹75 lakhs to ₹20 Cr+ — structured across primary residences, second homes, and property portfolios. Rates consistently 0.3–0.5% below benchmark through 20+ institutional lending partners.

₹500 Cr+

Loans Disbursed

20+

Institutional Partners

0.3–0.5%

Below Benchmark Rate

OVERVIEW

Your Path to Homeownership

Premium residential acquisitions demand structured financing — not commodity approvals. For families acquiring primary residences, second homes, or adding to a property portfolio, the quality of lender selection and rate negotiation has a compounded impact exceeding ₹20–40 lakhs over a 20-year tenure. At Namit Rathee Inc., we leverage institutional relationships with 20+ banks and NBFCs to consistently deliver rates 0.3–0.5% below what relationship bankers offer.

We work with promoters, family enterprise principals, NRIs, and business owners — profiles whose income documentation requires specialist handling beyond standard underwriting. Our advisors assess your profile, identify lenders whose credit appetite matches your structure, and manage the entire application through to disbursement. No client intervention is required at any stage.

For complex profiles — self-employed promoters with multiple entities, HUF borrowers, or acquisitions requiring cross-lender co-lending — we design the borrowing structure before approaching any lender, ensuring the application is positioned for the most favourable outcome from the outset.

WHAT'S INCLUDED

Key Features

Residential Purchase Loans

Financing for premium apartments, builder floors, and independent houses from ₹75 lakhs to ₹20 Cr+. We cover ready-to-move, under-construction, and resale properties across Delhi NCR — with access to lenders who specialise in high-value residential transactions.

Institutional Rate Access

Our institutional relationships consistently deliver rates 0.3–0.5% below benchmark. On a ₹5 Cr loan over 20 years, that difference compounds to over ₹20 lakhs in interest savings — more than recoverable from any switching cost.

48-Hour Pre-Approval

Submit your documents once through our team. We handle the lender submissions simultaneously, returning a formal pre-approval letter within 48 working hours.

Complex Income Structures

Promoters, business owners, and family enterprise principals are assessed on bank statements, audited P&L, ITR, and GST turnover — not just salary slips. We identify lenders whose underwriting models accommodate irregular income, holdco distributions, and multi-entity financial structures.

NRI Home Loan Assistance

End-to-end support for NRIs purchasing in India: FEMA-compliant structuring, power-of-attorney guidance, and coordination with NRE/NRO account banks.

Legal & Technical Vetting

We coordinate independent legal opinion on property title and technical valuation before submission — protecting you from properties with encumbrance issues.

PARTNERS

OUR PROCESS

How We Work

A clear, structured approach from your first consultation to ongoing support.

Profile Assessment

We review your income documents, credit report, and property details to determine your maximum eligibility and the most suitable lender profile.

Lender Matching

We submit your anonymised profile to our panel of 20+ lenders simultaneously and return the top three offers ranked by rate, processing fees, and pre-payment terms.

Documentation & Submission

Our team prepares the complete application file — including legal vetting and valuation coordination — and submits to your chosen lender.

Approval & Disbursement

We track progress through credit appraisal, sanction letter, and disbursement, resolving any lender queries directly so there are no delays on your end.