01
What is Capital Solutions and what services are offered?
Capital Solutions is an independent financial enquiry and loan facilitation
consultancy based in Kerala. We assist individuals, doctors, and business owners
in understanding credit eligibility, preparing structured documentation, and
submitting applications to eligible RBI-regulated banks and NBFCs for home loans,
doctor finance, business credit, personal loans, and balance transfers.
02
Is Capital Solutions a bank or an NBFC?
No. Capital Solutions is not a banking company, non-banking financial company
(NBFC), or credit decision-maker. We provide informational guidance, eligibility
assessment, and document assistance. The actual lending, underwriting, interest
rate assignment, and disbursement are executed solely by regulated institutions.
03
Does Capital Solutions guarantee loan approval?
No. Enquiry and application assistance do not guarantee approval, a specific
interest rate, or a particular loan quantum. The partner lending institution makes
the final credit decision based on its independent risk evaluation and internal policy.
04
What is a Key Facts Statement (KFS)?
A KFS is a standardized disclosure document mandated by the Reserve Bank of India
for retail and MSME loans. It clearly itemizes the total cost of credit, including
the all-inclusive Annual Percentage Rate (APR), interest calculation mode,
processing fees, penalties, and the net disbursed loan balance.
05
What general documents are needed to apply for a loan?
Standard documentation includes valid identity and address proof (such as PAN,
official address verification, or permitted KYC documents), recent 6 to 12 months
bank statements, and income proofs (salary slips and Form 16 for salaried applicants;
IT returns, computation sheets, and audited financial statements for business owners).
Property deeds or equipment quotations are required for asset-specific funding.
06
Can self-employed individuals and business owners apply?
Yes. Self-employed individuals, professionals, and enterprise owners may apply.
Lenders evaluate business continuity (typically 2 to 3 years minimum), ITR filings,
GST returns, audited balance sheets, and operative bank cash flows to establish borrowing capacity.
07
What is a balance transfer and how does it help?
A loan balance transfer allows you to move an existing home, business, or personal
loan from your current lender to a new financial institution offering more favourable
terms, such as a lower interest rate, extended repayment tenure, or top-up credit.
08
What is the difference between fixed and floating interest rates?
A fixed interest rate remains unchanged throughout the contracted tenure, providing
predictable EMIs. A floating rate is benchmarked to external market rates (like the
RBI Repo Rate); your interest rate and corresponding EMI or tenure adjust periodically
when the benchmark rate resets.
09
Are there prepayment charges on loans?
Under RBI regulations, individual borrowers holding floating-rate retail term loans
(such as home or personal loans) for non-business purposes cannot be levied prepayment
or foreclosure penalties. Fixed-rate facilities and commercial business loans are
governed by the lender's contracted terms.
10
Why is an Encumbrance Certificate (EC) essential in Kerala?
For property and housing loans in Kerala, an Encumbrance Certificate issued by the
sub-registrar's office proves that the property is free of prior registered mortgages,
legal encumbrances, court attachments, or third-party claims over a specified period.
11
How does Capital Solutions safeguard customer data privacy?
We collect applicant documentation strictly for loan evaluation and submission
to authorized financial institutions. We never share customer data with unauthorized
third parties. We urge clients never to transmit sensitive banking credentials,
passwords, OTPs, or debit PINs via chat or unencrypted channels.
12
How do I start an enquiry with Capital Solutions?
You can connect directly with our advisory desk using the official WhatsApp button
or contact forms on this website. Our team will review your requirements and provide
a structured checklist tailored to your loan product.
