Finziva Capital Advisors
Loan Restructuring Consulting
Paying too much EMI on existing loans?
Finziva reviews your loans and compares balance transfer and consolidation options. Discuss the proposed interest rate, EMI, tenure and consulting fee before proceeding.
- Lower interest costs
- More manageable EMIs
- One monthly repayment
A simple way to understand possible savings
Compare the same outstanding amount over the same remaining tenure. In this example, the lower interest rate reduces the monthly EMI.
₹2,400 / monthApproximate EMI reduction in this example
| Details | Before | After |
|---|---|---|
| Total outstanding | ₹15,00,000 | ₹15,00,000 |
| Interest rate | 18% p.a. | 15% p.a. |
| Remaining tenure | 5 years | 5 years |
| Approx. monthly EMI | ₹38,100 | ₹35,700 |
Illustrative figures for the same outstanding amount and tenure. Actual savings depend on the agreed loan terms and applicable charges.
From your current loans to a clear proposal
For personal, business, home and property loans: compare a lower rate, fewer repayments or an EMI that fits your monthly budget.
Discuss your existing loans
Tell us your interest rate, monthly repayments and what you want to improve. Your loan statement provides the remaining details.
Compare transfer and consolidation options
We review your repayment history, income, obligations and supporting documents to compare options with your current loans.
Discuss the proposal and fee
We explain the proposed interest rate, EMI, tenure, expected savings and consulting fee, including how any charges affect the benefit.
Agree and begin the application
After you accept the proposal and pay the consulting fee, Finziva prepares the case and coordinates with suitable banks or NBFCs.
Consulting fee
0.75% to 1%
of the restructured loan amount
- Agree the proposal and exact fee
- We discuss the proposed interest rate, EMI, expected benefits and exact consulting fee after the first assessment.
- Pay before lender coordination begins
- You pay Finziva after accepting the proposal and fee. We then prepare and coordinate your application with suitable banking partners.
Before you book
Not always. It may involve a balance transfer, consolidation or a changed repayment structure. Finziva assesses your existing loans and discusses the available options.
We discuss the proposed interest rate, EMI, benefits and exact fee first. After you accept the proposal, you pay the consulting fee before Finziva begins lender coordination.
Finziva reviews whether your loans can be consolidated into one facility with a bank or NBFC. We compare the proposed repayment with your existing EMIs.
A lower EMI does not always mean a lower total cost. A longer tenure and applicable charges also affect the savings. We explain this comparison with the proposal.
You decide whether to accept the proposed interest rate, EMI, tenure and benefits. The bank or NBFC confirms its lending offer and approval after reviewing the application. Finziva advises you and coordinates the process.