SVA LOANS

Loan Audit · free, no signup

Which lenders actually fit you?

Answer a few questions. We'll show your best-fit lenders, likely rates, and whether an existing offer is worth it. Nothing is shared without you.

Step 1 of 6

What do you need?

Buy a home

Construct

Renovate

Step 2 of 6

About the property

Property stage

Property value (₹)

Property pincode

6-digit pincode of the property.

Khata type

A Karnataka property record. A-Khata = fully approved. E-Khata = the new digital khata (treated like A-Khata for loans). B-Khata = has pending regularisation (fewer banks fund it). Not sure? Pick that — we'll check.

A-Khata

E-Khata

B-Khata

Not sure

Step 3 of 6

About you

Employment

Salaried

Self-employed

Employer type

Govt/PSU and large firms often get slightly better rates. Pick the closest.

Annual income as per ITR (₹)

ITR = Income Tax Return — your declared yearly profit/income. Used to assess eligibility.

We size your eligibility off this number alone. Your real bank balance may support more, but we can't check that without documents — mention it to SVA if this estimate looks low.

I don't have an ITR yet

No problem — cases without ITR need a personal review, which is exactly what we do. We'll pick this up with you on WhatsApp.

Net monthly income (₹)

Take-home per month after deductions.

Age

Total EMIs you pay now (₹/month)

All existing loan EMIs added up. Enter 0 if none.

CIBIL score (optional)

Your credit score, 300–900 — higher means better rates. Don't know it? Check it free in seconds on Google Pay or Paytm and enter it here for a sharper result. Or tick below and we'll still give an indicative one.

I don't know my CIBIL

I carry a credit-card balance

The full amount you currently owe across your cards — not your monthly spend. Skip this if you clear your card in full every month.

Step 4 of 6

The loan

Loan amount you need (₹)

Tenure (years)

Step 5 of 6

A few final checks

Your profession / line of work

Do you already bank with anyone?

Pick the single strongest relationship you have — it helps us negotiate a better deal at that bank. If you have more than one, choose the best. (An existing loan is stronger than an account.)

Any past loan write-off, settlement, or legal issue?

This helps us assess your case accurately. It won't be shared with anyone.

Yes

Not sure

Step 6 of 6

Where do we send your result?

Your name *

WhatsApp number *

We'll send your result and options here.

We're not a digital DSA that sells your number to banks.
SVA is a platform in itself. We evaluate your case manually and guide you end-to-end. Talk to us on WhatsApp — we promise you won't be buried in bank calls.

FOIR = share of income going to EMIs. LTV = loan as a % of property value. This is a smart pre-screening tool, not a sanction letter — final rate and amount are decided by the lender after full documentation and checks.