Loan Advisory & Intermediary Disclaimer

1. No Guarantee of Loan Sanction or Approval

Loan approval is never guaranteed. The final authority to sanction, modify, reject, price (determine the annual interest rate), set the repayment tenure, require collateral, or disburse any loan facility rests solely and exclusively with the respective lending institution (Bank / NBFC).

Lenders evaluate applications against their internal proprietary credit models, credit bureau history (CIBIL / Experian / CRIF), debt-to-income (FOIR) calculations, employment stability, property title validation, and underwriting norms. Desire Loans And Services has no influence over a lender’s sovereign credit decision.

2. Interest Rates & Turnaround Times are Indicative

All interest rates (e.g. "starting from 8.35% p.a."), maximum loan tenures (up to 30 years), estimated EMI figures, and processing timelines stated on this website or in promotional material are purely indicative and illustrative.

• Prevailing RBI repo rates and individual bank External Benchmark Lending Rates (EBLR).
• The applicant's CIBIL score, income proof, and risk category.
• Timely completion of technical property valuation and legal title scrutiny.

*Website figures are periodically updated. Final sanction letters issued by the respective lender specify the exact legally binding interest rate, APR, and fees.

3. Anti-Fraud & Payment Advisory Notice

Important Caution: Desire Loans And Services NEVER requests cash deposits or transfers into individual personal UPI/bank accounts in exchange for guaranteed loan sanctions or waiver of documentation.

All official statutory fees (such as lender processing fees, stamp duty, or legal valuation fees) must be paid directly to the respective Bank/NBFC or authorized government portal against official receipts. If anyone claiming to represent Desire Loans asks for informal advance money, report immediately to das.atshyd@gmail.com.

4. Borrower Consent & Information Usage

By submitting an enquiry form, applying via WhatsApp, or requesting an eligibility check on our platform, you explicitly authorize Desire Loans And Services to contact you regarding financial advisory, verify your basic profile details, and forward your file to relevant partner banks or NBFCs solely for processing your specific loan application.

Your financial documents are handled with strict confidentiality in adherence to the Information Technology Act, 2000 and applicable RBI data privacy guidelines. Please review our Privacy Policy for complete details.

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