Questions about each loan type
Chennai deep pages: loan against property in Chennai · lease rental discounting in Chennai.
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- Loan Against Property (LAP) — Get a loan for your business or personal needs by using your property as security.
- Mortgage Loan — Get the right type of loan using your property as security.
- Working capital for your business — Get the cash you need to run your daily business operations.
- Working Capital Renewal & Compliance — We handle your yearly bank paperwork so your business loan stays on track.
- Lease Rental Discounting (LRD) — Get a loan based on the rent you get from your commercial property.
- Warehouse Rental Loan — Get a loan based on the rent from your warehouse or industrial shed.
- Industrial Property Loan — Use a factory, industrial shed or approved industrial plot as security for a business loan of ₹5 crore+.
- Property loan and rent loan balance transfer — Move your big loan to a bank with lower interest. Get extra cash only if the math makes sense.
RBI pre-payment rule overview: RBI notification (checked on 18 Oct 2026). Your loan letter still decides.
Frequently asked questions
What is a loan advisor and how is it different from a bank?
A loan advisor helps you pick a bank or finance company, get your papers ready, and apply. We do not lend money. Only the bank or finance company can say yes and pay out the loan.
Is it better to go directly to a bank or through an advisor?
One bank shows one view. An advisor can compare lenders and get papers ready first. Only the lender can say yes. Asking many lenders at once can leave marks on your credit report.
Do you charge borrowers a fee?
You may pay us a fee. We tell you the amount in writing before we start. Sometimes the bank also pays us. If it does, we tell you. If the bank does not pay advisors for your loan type, you pay the fee we agreed.
What is the minimum loan amount you handle?
JR Loan Advisors works on loans of ₹5 crore and above, up to ₹250 crore.
Which lenders do you work with?
Government banks, private banks and finance companies (NBFCs). We pick which ones fit your loan type and papers.
Can you get me a lower interest rate?
The lender sets the rate. Clear, complete papers may help you get a better rate, but we cannot promise one. We also compare the full cost, not only the headline rate.
Is my information kept confidential?
Yes. We use your information only to assess and process your loan, and share it with lenders only with your consent. See our privacy policy.
How do I start?
WhatsApp or call +91 94450 93336, email jitendraa@jrloanadvisors.com, or fill in the enquiry form. Share your property, business and requirement in a few lines.
Do you serve clients outside Chennai?
Yes — all of Tamil Nadu, including Coimbatore, Madurai, Trichy, Salem, Tiruppur, Erode, Vellore, Tirunelveli and Hosur. Outside Tamil Nadu we can review a ₹5 crore+ file by papers and call; we do not publish fake metro city pages.
What are RBI rules on prepayment charges?
For many new floating-rate loans to people and small firms (from 1 January 2026), banks usually cannot charge a fee if you repay early. The rule has limits by loan type. Older loans follow their old paper. Check your own loan letter. Source: RBI pre-payment directions (checked on 18 Oct 2026).