Aurum KuberX
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About
Aurum KuberX is an AI-driven home loan platform that provides accurate loan recommendations and offers the best finance options. It is a home loan aggregator platform that connects financial institutions, prospective loan-seekers, and real estate developers. It provides end-to-end loan services, from eligibility to disbursal, ensuring a seamless and hassle-free experience. It offers transparent and unbiased financial guidance, ensuring you have the clarity and confidence to make well-informed decisions. It suggests the best banks based on a customer’s financial profile for smarter, data-driven choices.
Platform
Task
Features
• ai-driven loan recommendations
• 360° loan services
• ai-based tools
• transparent financial consulting
• end-to-end home loan services
• vast bank network
• personalised home financing offers
FAQs
Which bank will give the best ROI ?
Rate of Interest (ROI) depends on factors such as CIBIL score, income, age etc. If you match all the norms, we can provide the lowest rate available in the market.
What are the factors that primarily affect loan eligibility?
Loan eligibility primarily depends on Cumulative net monthly income, Quantum of loans, credit card outstanding. Typically a bank will not give a loan if the total EMI obligation exceeds 60-70% of your full net salary.
My loan got rejected even though I have a decent income?
The final decision to grant a loan lies with the credit department of a bank. There are many reasons why a bank may reject your home loan request. Income is one of the eligibility criteria.
What is the difference between Pre Closure & Part Prepayment?
Pre-closure means a customer wants to close the principal outstanding amount in one go. On the other hand, part payment means a customer wants to repay only a specific portion of the due amount.
Is Pre-Payment or Part Payment allowed in a loan?
Yes, home loan pre-closures are allowed without extra charges as long as the mode of repayment you have chosen is the Floating rate of interest and not a fixed one.
What will happen if I miss an EMI payment or there is an ECS bounce?
If a borrower misses an EMI payment or there is an ECS bounce, the bank will levy certain ECS bounce charges/penalties. In addition, it will get reported in the credit report.
How much loan can I avail?
To determine how much loan you can avail, you can combine your and your spouse’s or children’s earnings. The combined income will give you a rough idea to help you decide on the borrowing limit.
Is a co-applicant mandatory while applying for the loan?
No, a co-applicant is not mandatory. But as per the guidelines issued by RBI, all the registered owners on agreements need to be on a loan structure.
Does cibil score affect my rate of interest
Yes, your CIBIL score will affect the rate of interest you can avail. It is recommended to improve your credit or CIBIL score to avail better rate of interest and get quick loan approval.
What is a floating rate home loan?
If the interest rate on a loan varies periodically over the loan tenure, it is called a floating-rate home loan.
What is a fixed-rate home loan?
A fixed-rate home loan is offered at a predetermined interest rate during the loan period, which remains unchanged during the loan period, irrespective of market conditions.
What are the critical charges associated with a home loan process?
The charges associated with a home loan process are Processing Fee, Stamp duty, Notice of Intimation and Miscellaneous charges
Why should I apply for a home loan on AurumKuberx?
When you log on to the home loan section of AurumKuberx, you can apply for a home loan in minutes by following a few key steps.
Pricing Plans
Free
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