General Information Disclaimer
The content published on https://loandeskadvisory.com/ and made available through the services of LoanDesk Advisory, operated by Digvijaya Loandesk Consultancy Pvt Ltd, is provided strictly for general informational and educational purposes.
While we endeavour to keep all information current, accurate, and relevant, we make no representations or warranties — express or implied — about the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related graphics published on this Website.
⚠️ Any reliance you place on the information provided on this Website or through our advisory services is strictly at your own risk. You should always seek independent professional advice before making any financial or property-related decisions.
Not Financial Advice
Nothing on this Website or communicated by our team through any channel — including email, telephone, WhatsApp, in-person consultation, or any document — constitutes financial advice, investment advice, or a regulated financial service as defined under the Securities and Exchange Board of India Act, 1992 (SEBI), Reserve Bank of India Act, 1934 (RBI), or any other applicable statute.
LoanDesk Advisory is a consultancy and facilitation firm. We:
- Do not hold a licence as a registered investment advisor (RIA) under SEBI
- Do not hold a Non-Banking Financial Company (NBFC) registration from the RBI
- Do not accept deposits or lend money directly to clients
- Do not guarantee any specific loan rate, tenure, or approval outcome
Loan products and financial instruments are subject to the sole discretion of the respective bank or NBFC. Our role is to assist you in understanding your options and preparing your application — not to guarantee outcomes.
Not Legal Advice
Any information relating to property law, title verification, encumbrance checks, or legal due diligence provided by LoanDesk Advisory is for general guidance only. It does not constitute a formal legal opinion, a legal certificate, or advice from a practising advocate.
Our legal due diligence services assist clients in identifying common risk factors and document gaps. However:
- We do not practice law and are not a registered law firm
- Our reports are not substitutes for legal opinions issued by qualified advocates
- Property transactions of significant value should always be reviewed by an independent, enrolled advocate prior to execution
- We disclaim any liability for legal disputes, title defects, or encumbrances not identified during our review
📌 We strongly recommend obtaining an independent legal opinion from a qualified advocate for all property purchases, particularly resale properties, auction properties, and NPA assets.
Loan Eligibility Estimates
The loan eligibility calculators, EMI estimators, and indicative figures available on this Website are provided as general planning tools only. They are based on simplified inputs and standard assumptions.
Actual loan eligibility, interest rates, EMI amounts, processing fees, and loan-to-value (LTV) ratios are determined exclusively by the lending bank or NBFC based on:
- Detailed credit assessment and CIBIL score verification
- Income documentation, ITR, and employment stability
- Current RBI guidelines and lender-specific credit policies
- Property valuation by approved valuers
- Prevailing market interest rates at the time of sanction
🚫 Calculator outputs should not be treated as pre-approval, sanction letters, or commitments from any lender. Do not make property purchase commitments solely on the basis of indicative figures from our Website.
Property Information
Any property-related information, market insights, locality analyses, or builder assessments shared by LoanDesk Advisory are based on information available at the time of preparation and from publicly accessible or client-shared sources.
We do not independently verify all property-related claims and expressly disclaim liability for:
- Changes in property prices, developer reputation, or project status after our assessment
- Inaccuracies in builder disclosures, RERA filings, or government records
- Undisclosed encumbrances, pending litigation, or disputes not apparent from available records
- Delays, cancellations, or defaults by property developers or sellers
Clients are strongly advised to independently verify all property details with the local sub-registrar's office, RERA authority, and relevant municipal body before committing to any purchase.
Accuracy & Currency of Content
The financial, regulatory, and market information on this Website reflects conditions at the time of publication. The Indian real estate and home loan landscape is subject to frequent regulatory changes including RBI policy rate revisions, RERA amendments, and state-level stamp duty updates.
We endeavour to update content regularly but cannot guarantee that all information is current at the moment you access it. We recommend:
- Confirming current interest rates directly with the lender before proceeding
- Verifying stamp duty, registration charges, and GST applicability with the relevant state authority
- Checking RERA project registration status on your state's official RERA portal
External Links & Third-Party Content
Our Website may contain links to third-party websites including lender portals, government resources, RERA portals, and property listing platforms. These links are provided solely for convenience.
LoanDesk Advisory has no control over the content, accuracy, or availability of external websites and does not endorse any products, services, or viewpoints expressed on them. Accessing third-party websites through links on our Website is entirely at your own risk.
No Liability
To the fullest extent permitted by applicable Indian law, Digvijaya Loandesk Consultancy Pvt Ltd and its directors, employees, advisors, and agents expressly disclaim all liability for any loss or damage — direct, indirect, incidental, consequential, or special — that may arise from:
- Reliance on information published on this Website or provided through our advisory services
- Errors, inaccuracies, or omissions in any content on this Website
- Loan rejection, unfavourable loan terms, or lender decisions
- Financial loss resulting from property purchases made on the basis of our guidance
- Failure of third-party services, links, or resources referenced on this Website
- Technical interruptions, downtime, or errors on this Website
⚠️ This disclaimer does not affect any rights you may have under the Consumer Protection Act, 2019 (India) or other applicable statutes that cannot be excluded by contract.
Testimonials & Case Studies
Client testimonials, success stories, and case study figures shared on this Website represent individual experiences and outcomes. They are not indicative of typical or guaranteed results.
Loan outcomes vary significantly depending on individual financial profiles, lender policies, property characteristics, and market conditions. Past performance or client outcomes are not a reliable indicator of future results for any individual client.
All testimonials are shared with client consent and reflect genuine experiences. However, individual circumstances differ, and similar outcomes cannot be assured for all clients.
Questions About This Disclaimer
If you have any questions or concerns about this disclaimer or how it applies to your specific situation, please contact us before using our services or making any decisions based on information from this Website.
Registered Office
Digvijaya Loandesk Consultancy Pvt Ltd
Nagarbhavi, Bengaluru,
Karnataka — 560072