🎓 FINANCIEN ACADEMY
💼 Loan Mastery Program
From Application to Disbursement — Complete Loan Understanding.
📚 Course Structure
Click on a module to see the classes and topics covered.
1
Module 1: Loan Basics
- What is a loan? (Foundational definition)
- Types of loans: Overview
- Secured vs Unsecured loans
- Understanding EMI, Tenure, Principal, and Interest
2
Module 2: Types of Loans
- Home Loans & Personal Loans
- Business & MSME Loans
- Auto & Education Loans
- Gold Loans & Loan Against Property (LAP)
- Credit Card Loans & Small Credits
3
Module 3: Interest & EMI Calculation
- Flat vs Reducing Interest Rates
- Step-by-step EMI calculation formula
- Reading an Amortization schedule
- Impact of Prepayment & Foreclosure
4
Module 4: Credit Score & Eligibility
- What is CIBIL Score and why it matters?
- Factors affecting your credit score
- FOIR (Fixed Obligation to Income Ratio) calculation
- Bank Evaluation Logic: How they view your profile
5
Module 5: Loan Process (End-to-End)
- Step 1: Documentation & KYC
- Step 2: Application process workflow
- Step 3: Verification & Legal checks
- Step 4: Sanction & Disbursement
6
Module 6: Smart Borrowing Strategies
- How to compare loans between different banks
- Identifying hidden charges and KFS details
- Loan stacking risks & Refinancing options
- When to take a loan and when to avoid
7
Module 7: Customer & Finance Handling
- Professional customer handling techniques
- The Sales Process in the Finance Industry
- Dealing with Banks & NBFCs effectively
- Real-world industry workflow secrets
🛠 Tools & Training
- EMI Calculator Tools
- Amortization Templates
- CIBIL Simulation
📝 Assignments
- Manual Calculation Practice
- Sanction Letter Analysis
- Case Study Projects