EZ Premium Loan, Bigger Ambitions Deserve Better Credit
High-value secured loans up to ₹25 Lakhs with unmatched flexibility, transparency, and trust.
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2-3 Minute Process
Funds next Business Day
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Get Funds Using Your Property
EZ Premium is designed for people who need significant financial support by leveraging their property. Whether you’re consolidating debt, expanding your business, funding a major life event, or other business related expense, your property is the key to unlocking a better financial solution.
We provide secured loans backed by your residential, commercial, or mixed-use property. With clubbing options of up to four incomes, flexible repayment up to 120 months, and consideration of informal and cash-based income, EZ Premium is the smart way to raise high-ticket funding when you need it most.
Loan Features
- Loan Amount: up to ₹25,00,000
- Loan Tenure: min tenure 84 to maximum 120 months
- Interest Rate: up to 21%
- Property Types: Residential, Commercial, Mixed-use
- Who can apply: SEP , SENP and Salaried
Loan End Use
- Working Capital
- Business Expansion
- Debt Consolidation
- Marriage Purpose
- Education Purpose
- Business Equipment’s Purchase
- Shop/Business Premises/Home Renovation/Improvement Purpose
- Home Renovation and Repair
- Home Extension
- Construction on Plot
- Other documented personal or professional use
Who Can Apply?
EZ Premium — Ideal For:
- Businessmen needing long-term capital
- Professionals expanding operations
- Families looking to renovate or extend homes
- Parents planning higher education expenses
- Individuals consolidating multiple debts
Testimonial
Ravish
Small Business Owner
“I’m truly thankful to EZ Capital for giving me a loan when I needed it the most. During the COVID lockdown, my business suffered badly. But with a loan of ₹5,10,000 from EZ Capital, I was able to rebuild and strengthen it. Today, my business is doing really well, I am making good profits, I have 5 active sites, and 4 labourers working under me.”
Rajkumar
Hardware Shop Owner
“I took a loan from EZ Capital for my hardware shop because I wanted to grow my business. The process was surprisingly fast and smooth, I didn’t have to run around or wait for months. I’m really happy with how everything worked out, and I’m truly grateful to the EZ team for supporting me when I needed it the most.”
Devender Singh
.
Property Guidelines & Documentation Requirements
Eligible Property Types:
- Residential (Self-occupied or Rented)
- Commercial (Self-occupied or Rented)
- Mixed-Use (Residence cum Office)
- Freehold or Leasehold (with mortgage approval)
Collateral & Legal Compliance:
- Clear 13-year title chain required
- Well-defined boundaries & direction match
- Possession proof is mandatory
Not Accepted:
- Agricultural Land, Industrial Property, Vacant Plots
- Any property disapproved by EZ Capital’s empanelled legal/technical advisors
For Balance Transfer Cases:
- Repayment Track Record (RTR) for last 9 months via bank/statement
- Letter of Documents (LOD) from the current lender
Secure Your Future With Power Of Your Present.
100% Secured & Transparent
No hidden conditions, just straightforward finance. Apply with confidence today!
Loans That Help You Do What Matters
- Access funding for growth without selling your property
- Consolidate high-cost debt into one manageable loan
- Fund personal events or educational goals
- Cover renovations, expansion, or business investments
3-Step EZ Premium Loan Process
Apply
Visit your nearest EZ Capital branch or submit your details online.
Property & Document Assessment
We verify your paperwork, income (formal/informal), and initiate valuation with our empanelled experts.
Disbursal
After approval, your loan is disbursed directly to your bank account, fast, secure, and hassle-free.
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Ready to Apply?
Z Saral Loan empowers small business owners, salaried professionals, and entrepreneurs to dream big, and grow even bigger. Start your journey today.
Frequently Asked Questions
1. What is EZ Premium?
EZ Premium is a secured long-term loan of ₹15,00,000 to ₹25,00,000 offered against residential, commercial, or mixed-use property. It’s ideal for borrowers seeking substantial funding for business expansion, debt consolidation, education, or personal use, while using their owned property as collateral.
2. What is the tenure and interest rate of EZ Premium?
- Minimum Tenure: 84 months
- Maximum Tenure: 120 months (Approval required beyond 84 months)
- Interest Rate: 21% – 23% p.a. (Reducing Balance)
Note: 10-year tenure applies only if the loan amount is more than ₹10 lakh.
3. What is the loan amount I can get under EZ Premium?
You can borrow between ₹15,00,000 to ₹25,00,000, based on income eligibility, collateral value, and documentation model.
4. Who is eligible for EZ Premium?
Eligible applicants include:
- Salaried individuals (with banked or cash salaries)
- Self-employed business owners or professionals
- Individuals with additional verifiable income sources
Not eligible:
- Daily labourers
- Temporary workers
- Irregular or informal employees
- Individuals paid entirely in kind (goods/services)
- NRI income earners (Middle East NRI income like Dubai is not considered; exceptions only with credit approval)
5. What type of income is accepted for eligibility?
- Primary Income: Salary (banked or cash), self-employment, business income
- Additional Income:
- Rental income:
- 80% if credited in bank
- 50% if received in cash
- Pension: 50% considered (cannot be sole income)
- Agricultural income:
- 0% if verified via Form J & bank credit
- Up to 30% allowed with deviation (considered sacrosanct)
- Up to 4 incomes can be clubbed (EZ Premium allows 3–4 income profiles)
- Rental income:
6. What documents are required for income verification?
For Salaried Applicants:
- Latest 3 months’ salary slips
- Bank statement showing salary credit
For Self-Employed Applicants:
- Cash flow analysis based on credit team inputs (PD, TVR, or kuccha records)
- Business continuity proof
7. What are the FOIR norms under EZ Premium?
- FOIR (Fixed Obligation to Income Ratio) is capped at 50%
- FOIR is calculated on total income, no household expenses are deducted
- FOIR bands:
- ₹20,000 income – 30%
- ₹30,000 income – 40%
- Above ₹30,000 – 50%
If multiple income types (salary + business), FOIR is calculated based on the major income stream.
8. What properties are accepted as collateral?
Accepted Property Types:
- Residential (Self-occupied or Rented)
- Commercial (Self-occupied or Rented)
- Mixed-use (Residence + Office)
- Freehold or Leasehold (with mortgage permission)
- Rented properties (NOC + tenant KYC required)
Not Accepted:
- Agricultural land
- Industrial property
- Plots
- Vacant properties
- Disputed properties or those lacking legal possession
- Laminated property documents (CTC must be documented)
Possession proof is mandatory for all accepted properties.
9. What are the legal and technical requirements for the property?
- 13-year clear title chain is mandatory
(Recent transfers allowed if traceable through previous sale deeds; khasra/jamabandi chains not accepted) - Minimum 6 ft road width
- SORP/SOCP built-up properties only (Vacant plots not allowed)
- Area mismatch tolerance: up to 10% (subject to legal/technical validation)
- 3-side dimensions and directions must match
- Property value must exceed ₹10 lakh
10. How many property valuations are needed?
- Loan ≤ ₹15 lakh: 1 valuation
- Loan > ₹15 lakh: 2 valuations required
(Conducted by empanelled technical experts)
11. Can I apply if I earn in cash or club income with family members?
Yes.
- Cash income is accepted with proper documentation and field validation.
- Income clubbing allowed for up to 4 members, including spouse, parents, or adult children.
12. What are the business or employment vintage requirements?
- Self-employed: Minimum 2 years in business
- Bank salaried: At least 1 year of banked salary, 2 years work experience
- Cash salaried: Minimum 1-month salary vintage, 2 years work experience
13. Is NRI income accepted?
No. NRI income, especially from the Middle East (e.g., Dubai), is not considered for EZ Premium. Only exceptions allowed with proper credit team deviation approval.
14. What are the geographic (Geo) limits for applying?
- Business premises and property must be within 50 km of the nearest EZ Capital branch.
- Verified using Google Maps from branch to property location
- Any deviation must be approved via deviation matrix
15. Can I apply for a balance transfer (BT) under EZ Premium?
Yes. BT Eligibility Requirements:
- All existing loan parties must be part of the new structure
- Minimum 9-month repayment track record (via bank/statement)
- Letter of Documents (LOD) from current lender listing originals vs. photocopies
- Signed affidavit promising to submit original property documents within 20 days
- EZ Capital legal team will assist in safely collecting documents
16. What is considered an obligation in eligibility calculations?
- EMIs under 9 months old are not counted in obligation
- Combined outstanding exposure over ₹30,000 is considered an obligation
17. Is insurance mandatory?
Yes. Loan protection insurance is mandatory for the full tenure of the loan. Exemptions can only be approved by BH/COO/CEO on a case-by-case basis.
18. What is not allowed under EZ Premium?
- Purchase or Purchase + Construction (P+C) loans
- Vacant plots
- Speculative usage (trading, investing, etc.)
- Agricultural or industrial properties
- Properties located beyond the 50 km geo limit (unless deviation approved)
19. What can EZ Premium be used for?
Permitted Loan End Uses:
- Working capital
- Business expansion
- Debt consolidation
- Marriage expenses
- Education funding
- Purchase of business equipment
- Home/shop renovation or improvement
- Construction on owned plot
- Home extension Other non-speculative personal/professional needs
End use must be declared. Certificate required before disbursement.
20. Do I need to declare how I’ll use the loan?
Yes. The end use of the loan must be clearly declared before disbursement. You are required to submit an End Use Certificate confirming the purpose of the loan. This is a mandatory step to ensure the funds are used for eligible, non-speculative purposes. The certificate must be submitted before any amount is released.
