OFFERING PLANNING
AND INVESTMENT ADVICE

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Be a part of a large and growing family.

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TRUST METRICS

100

CUSTOMER
SATISFACTION %

25+

LENDING
PARTNERS

100
+

LOANS
PROCESSED

YEARS OF
EXPERIENCE

LOANS WE OFFER

Get an instant Loan across the nation at the lowest interest rate. We are leading loan services providers. Payyou has tied knots with an array of banks providing nimble and hassle-free loans.

Personal
Loan Learn More

Business
Loan Learn More

Home
Loan Learn More

Loan Against
Property Learn More

WHY CHOOSE PAYYOU

Faster Processing

Strong Lender Network

Best Rate Matching

Dedicated Case Manager

Transparent Process

HOW IT WORKS

Step 1:

Submit
Application

Step 2:

Profile
Evaluation

Step 3:

Best Offers
Shared

Step 4:

Approval &
Disbursal

❖❖ LENDING PARTNERS

We are amongst the most-preferred channel partners for loans for India's widest network of Banks, NBFCs, and Fintech.

Banks

‹

›

NBFC

‹

›

OUR PARTNERS ARE OUR STRENGTH

“ "Payyou tie-ups with top-tier banks and lending partners has given me a leg-up when it comes to working from home. From informing customers about their investment opportunities to taking them through their investment journey, Payyou's digital integration makes the entire process faster and easier. What is more, it allows me to work at my convienience while providing for a steady source of income".

Mr. Sher Singh Pune, Wealth Advisor

How will Payyou decide the loan amount I am eligible for? +

The loan amount depends on your income, repayment capacity, existing financial obligations, credit history, and the value of the property. Typically, lenders offer a percentage of the property’s market value.

What does an EMI mean? +

EMI (Equated Monthly Instalment) is the fixed amount you pay every month towards repayment of your loan. It includes both principal and interest components.

What does ‘own contribution’ mean? +

Own contribution refers to the portion of the property cost that you must pay from your own funds. The remaining amount is financed through the loan.

How do I repay a loan? +

Loan repayment is done through EMIs, which can be paid via auto-debit from your bank account, post-dated cheques, or online payment methods.

When can I make a loan application? +

You can apply for a loan once you have finalized the property and have basic documents like income proof, identity proof, and property details ready.

What does ‘market value’ of the property mean? +

Market value is the current price at which the property can be bought or sold in the open market, determined by location, demand, and property condition.

Do I get tax benefits on the loan? +

Yes, you may get tax benefits on both principal repayment and interest paid under applicable income tax laws.

What security will I have to provide? +

The property being purchased or constructed is usually kept as collateral/security for the loan.

When do I start repaying the principal amount? +

Principal repayment usually begins after the loan is fully disbursed. During the construction phase, you may pay only the interest on the disbursed amount (Pre-EMI). Alternatively, you can opt for the Full EMI method, where you start paying both principal and interest from the initial disbursement itself, even if the loan is released in stages. This helps reduce your overall interest burden in the long run.

What does ‘agreement to sell’ mean? Does it have to be registered? +

An agreement to sell is a legal document outlining terms and conditions of the property transaction. Registration depends on local laws, but it is generally recommended for legal validity.

What does encumbrance refer to? +

Encumbrance refers to any legal dues, liabilities, or claims on the property, such as loans or legal disputes.

What is an under-construction property? +

It is a property that is still being built and is not yet ready for possession.

When can I take disbursement of the loan? +