LAP 1: Top 10 Differences between LAP (Loan against property) and Working capital product (In Hindi)

[@HimanshuSharma-if5ue]

Very informative videos I am also working as a credit officer in HDFC Bank your video help me to enhance my skills and growth my career

[@AnkushJain]

Thank you

[@bhagwat152]

Thanks a lot sir Best explain sir

[@AnkushJain]

Thank you 🙏

[@rajatthakurhimachali4353]

Great sir ji

[@AnkushJain]

Thank you

[@ArchiesBhanushali]

Docs konse dekhne hote LAP cases ki pd karte samay??

[@AnkushJain]

Lap series ki video mein eligibility vale video mein ye clear ho jayega point

[@ArchiesBhanushali]

@@AnkushJain ok

[@AnkushJain]

👍

[@AnkushJain]

👍

[@RJHMvideoblogs]

Thanks for sharing Sir....

[@AnkushJain]

Your welcome

[@ankitgupta5583]

Whic one is better profile Lap or working capital ??

[@AnkushJain]

It is an individual choice. Both are good profiles. I personally like working capital more due to more financial analysis being done in it

[@ankitgupta5583]

Please make a video on banking surrogate method to determine loan eligibility.

[@AnkushJain]

Yeah it will come in due time

[@SKTALKS19]

Sir suppose mere pass 5 properties hai fully constructed ,kya lap sirf usi property pe milega jis property pr mai reside karta hu , ya kisi bhi property pr mil sakta hai jide mai own karta hu .

[@AnkushJain]

Kisi bi pe

[@luciferofthehell2921]

Sir kya hum property and asset ko same man sakte hai?

[@AnkushJain]

Same kaise? Asset to balance sheet mein hoti hai but property may be balance sheet mein na dikhai ho.. jruri nhi hai.. otherwise common language mein property asset hi hai

[@luciferofthehell2921]

@@AnkushJain ok sir, sir kya rigister mortgage on agri land ek achha security option hai?

[@AnkushJain]

Yes

[@SaurabhTiwari-gu2pw]

Sir please credit understanding ke baare me bta dijiye this session is very usefull all BCM and CM please

[@AnkushJain]

Thoda detail mein btaiye k kya information chahte hain aap topic mein.. may b Maine already video bna rkha ho

[@samtashah4559]

Sir can you please explain home loan procedures as well.

[@AnkushJain]

Will check

[@hunnykhatnani817]

Sir can you cover shore up of nwc in detail ?

[@AnkushJain]

I have already made a video on net working capital

[@hunnykhatnani817]

@@AnkushJain lecture no 20 ???

[@AnkushJain]

Yes

[@ankitgupta5583]

Sir please share link for membership in group .here is facing problem to join

[@AnkushJain]

Which group? WhatsApp or telegram?

[@ankitgupta5583]

@@AnkushJain what's up group

[@SaurabhTiwari-gu2pw]

Sir Branch manager jo case senction karte hai usme kya kya dekha jata hai please us per vedio bnaiye quki mai idhar new select huaa hu to plz samjhaiye sir 🙏🙏

[@AnkushJain]

Sanction process is same. Please start watching videos from lecture no. 1

[@SaurabhTiwari-gu2pw]

Ok respected sir but please ek vedio me only senction karne ka sara step bta dijiye i humble request you 🙏

[@AnkushJain]

Ok

[@mehulchandak9993]

WC mei bhi toh Super Biz Program mei multiple Income ko combine karke WC de sakte hai

[@mehulchandak9993]

10:20

[@AnkushJain]

@@mehulchandak9993 ye hai but this is not part of pure working capital. Many banks don't have such products and they follow pure working capital principles only. Hamare bank ne option Diya hai hamein

[@mehulchandak9993]

@@AnkushJain okay

[@AnkushJain]

👍

[@ajazgasie3152]

Sir I want to know the answer to my one of the question that, if we combine the income of two or more persons income for eligibility, is it necessary that all the persons should have there business running or need a business proof for adding these as Coapplicants .. thanks

[@AnkushJain]

Business is not necessary... Income can be in form of rent, interest also .. therefore just document the proof of income and go ahead

[@sakshamagarwal754]

Dod limit, LARR facilities are also provided in Lap product.

[@AnkushJain]

Yeah but theme is same. DOD is not only LAP product now it is equally provided in working capital line also. LARR is kind of separate eligibility calculation method although it is only a emi based loan by nature.

[@MONUKUMAR-xu7xg]

​@@AnkushJainLARR full form please

[@AnkushJain]

it is loan against rent receivable

[@TheSuresh2022]

Sir, agar client ne channel finance avail kari h, uske baad hum usse CGTMSE me funding kar sakte h??pls clear

[@AnkushJain]

Yes of course. Channel finance is separate facility

[@TheSuresh2022]

CGTMSE case got rejected, reason given by credit- client has already availed channel finance facility. Is it reasonable??

[@AnkushJain]

Hope that client is not already overfunded

[@TheSuresh2022]

@@AnkushJain no sir, case is rejected, only because of channel finance..

[@AnkushJain]

Please check the policy once, it could be rejected due to charge over the current assets also there with channel finance banker

[@Npsslaahkar]

Sir LAP pr next videos kab tk ayegi?????

[@AnkushJain]

Already released 2 days back

[@Deepikabisht337]

How come only one product is there in LAPsir? Plz explain.

[@AnkushJain]

Couldn't get your question

[@Deepikabisht337]

@@AnkushJain Sir, In LAP we have do have different products like term loan, DOD and MDOD. Thus, u said only one product in LAP, wanted explanation for that

[@AnkushJain]

Basically two, term loan or drop line limit... While in working capital there are way too many

[@saibaldatta6615]

Please tell me in details how to get membership.

[@AnkushJain]

Pl click on this link kzbin.info/door/E4CwHclbqMgdYCH6lDQmDAjoin

[@tejendrakc8476]

how to join channel and be member

[@AnkushJain]

On channel page, there is join button appearing. You can join through it

[@ramugehlot1274]

Sir ap gst par course banaeye na ap jo samjate ho vo koi nahe kar sakta hi

[@AnkushJain]

GST k baare mein zyada mje bhi nahi pta

[@karthikviswanathan3949]

Pls put videos in English so it ll be very helpful

[@AnkushJain]

👍

[@gurpreetSingh-pz7bo]

Thanks

[@AnkushJain]

👍

[@ajazgasie3152]

In Lap loan

[@AnkushJain]

I have answered

[@urset2960]

sir is this available in English

[@AnkushJain]

@@urset2960 no