Frequently Asked Questions

No! Our initial advisory assessment and eligibility check is conducted as a soft inquiry that does not negatively impact your credit score. Only after you review and approve the finalized bank loan offer do we submit your official application for final sanction.

Yes, absolutely. Car Refinance is one of our most popular services. If you own a car that is fully paid off or currently has ongoing EMIs with clean track records, we can facilitate a cash-out loan up to 150% of the vehicle's current market value with repayment tenures up to 5 years at attractive interest rates.

The standard checklist includes:

• Identity & Address Proof: PAN Card, Aadhaar Card, Passport / Voter ID.
• Income Documents (Salaried): Latest 3 months salary slips, 6 months bank statements, and Form 16 / ITR.
• Income Documents (Self-Employed): 2–3 years audited balance sheet & ITR, 12 months bank statements, and GST certificates.
• Property Documents: Sale agreement, title deed, approved plan, and latest tax paid receipts.

If your existing home loan interest rate is above 9%, transferring your balance to a lower-interest lender (e.g. 8.40% – 8.60%) can save you lakhs of rupees in interest payments over the tenure. AEY handles the entire transfer paperwork, NOC acquisition, and mortgage handover, while also offering top-up funds at the same low home loan rate.

Yes. We provide collateral-free business loans up to ₹50 Lakhs for established enterprises, proprietary firms, and SMEs with at least 1–2 years of continuous business operations and healthy banking transactions. Approval decisions are based on your annual turnover and GST filings rather than property mortgages.

For salaried applicants working in corporate companies or government sectors, personal loan approvals typically occur within 2 to 4 hours with digital KYC, and loan disbursement reaches your bank account in 24 to 48 hours.

No. AEY Financial Solutions maintains complete financial transparency. We do not demand any upfront consultation charges from clients for checking eligibility or file submission. Processing fees (if applicable) are paid directly to the financing bank/NBFC upon official sanction.