FinanceGuru Help Centre

Frequently Asked Questions

Search clear answers about FinanceGuru, customer accounts, loan fundamentals, home loans, eligibility, documents and application processing.

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What is FinanceGuru?

Who owns FinanceGuru?

What services does FinanceGuru provide?

Is FinanceGuru a bank?

Does FinanceGuru itself sanction loans?

Can FinanceGuru guarantee my loan approval?

Can I use FinanceGuru online?

Can I access FinanceGuru from my mobile phone?

Do I need to register before using FinanceGuru?

Is registration the same as a loan application?

How do I create a FinanceGuru customer account?

What information may be required during registration?

Why should I provide accurate information?

Can I edit my profile later?

What should I do if my mobile number changes?

What should I do if my email address changes?

Can another person use my FinanceGuru account?

What should I do if I cannot log in?

Why might FinanceGuru ask me to verify my identity?

Can I delete my FinanceGuru account?

What is the FinanceGuru customer dashboard?

Can I track my application from the dashboard?

Does the status shown on FinanceGuru represent final bank approval?

Can I have multiple applications in my account?

Can I upload documents through my account?

Why is a document showing as pending?

What does document verification mean?

Can FinanceGuru ask for additional documents after I apply?

Should I upload my original physical documents?

Can I check previous applications?

What is a loan?

Who is a lender?

Who is a borrower?

What is loan principal?

What is interest?

What is an interest rate?

What is EMI?

What determines my EMI?

What is loan tenure?

Does a longer tenure reduce EMI?

What is a secured loan?

What is an unsecured loan?

What is collateral?

What is loan disbursement?

Is sanction the same as disbursement?

What is a home loan?

Who can apply for a home loan?

Can a salaried employee apply for a home loan?

Can a self-employed person obtain a home loan?

Can a business owner apply for a home loan?

Can professionals such as doctors and chartered accountants apply?

Can NRIs apply for home loans in India?

Can two people apply jointly for a home loan?

What is a co-applicant?

Does adding a co-applicant increase eligibility?

Is a co-owner always required to be a co-applicant?

What is home-loan eligibility?

How is home-loan eligibility calculated?

Does my salary determine the entire loan amount?

What is FOIR?

What is a credit score?

Is a credit score important for a home loan?

What credit score guarantees loan approval?

Can I apply if my credit score is low?

Does checking my own credit score reduce it?

What is a hard enquiry?

Can too many loan applications affect my credit profile?

Can late EMI payments affect my credit score?

Does settling an old loan affect future eligibility?

Can FinanceGuru improve my credit score instantly?

Does the property also need to qualify for a home loan?

What is legal verification of property?

What is technical verification?

What is property valuation?

Does the bank always finance based on the agreement value?

What is LTV?

Can I receive a 100% home loan?

What is a down payment?

Can stamp duty and registration charges be financed?

Can I get a loan for an under-construction property?