Loan Application Process, Documents & Fees | Quick Approval

Every now and then we find ourselves in a situation where we need an extra influx of finances and funds from an external source to provide strong base support for whatever the funds are required for and what is the most convenient and trustworthy dispensing option?

BANKS, Loans and loan application process.

 

Loan Application Process, Documents & Fees | Quick Approval
Loan Application Process, Documents & Fees | Quick Approval

 

 

Loans can be lent for various purposes which range from buying a property, buying a vehicle, personal requirements. The loan application process can range from being very simple to very intricate depending upon what kind of loan is required. As easy as it is to file a bank loan application process, it is always skating on thin ice when it comes to approval by the bank.

 

Approval and disapproval can depend upon various factors which will be detailed through the whole article, but majorly depending on how eligible are you for the loan, your credit score, your income and other factors.

 

Major reasons for disapproval:

  • Income, if the income isn’t at par with the bank’s regulations
  • If the applicant’s credit score is poor
  • If the applicant has previously defaulted any other loans
  • Whether other EMIs are being deducted, if yes, the amount left after deducting the EMI should account for 30% of total monthly income.
  • If the applicant is able to pay existing EMI within the due period
  • If the applicant fails to provide NOCs/NDCs from previous lenders
  • A glitch in documents submitted

We will brief you through four major loan application processes and loan application process checklist:

  • Home Loan
  • Personal Loan
  • Education Loan
  • Car Loan

 


Home Loans: Loan Application Process

 

Home loans can be applied for:

  • Ready to move in property
  • Buying a land/plot
  • Under construction property
  • Construction of homes by self
  • Home renovation or extension loans

 

Different types of loans by major banks

 

 

SBI (State Bank of India)

 

SBI Maxigain
SBI flexipay home loan
SBI tribal plus home loan
SBI shaurya home loan
SBI gram niwas home loan
SBI privilege home loan
Insta top-up loan
SBI NRI home loan

In case, you want to contact SBI Customer Care you can get in touch with them using below details;

 

SBI Customer Care Number 1800112211
SBI Customer Care Email [email protected]
SBI Official Website www.onlinesbi.com

 

 

 

HDFC Bank

 

Home loan scheme for salaried and self-employed
Home improvement loan
NRI home loan
Home extension Loan
Pre-approved loan scheme

In case, you want to contact HDFC Customer Care you can get in touch with them using below details;

HDFC Customer Care Number

 

18002664332
HDFC Customer Care Email

 

[email protected]

 

HDFC Official Website

 

www.hdfcbank.com

 

 

PNB (Punjab National Bank)

Home purchase loans
Unati home loans
Home construction and extension loans
Home loans for NRIs
Home improvement loans

In case, you want to contact PNB Customer Care you can get in touch with them using below details;

PNB Customer Care Number

 

18001802222
PNB Customer Care Email

 

[email protected]

 

PNB Official Website

 

www.pnbindia.in

 

AXIS Bank

 

Axis bank home loans
Shubh aarambh home loan
Empower home loan
Fast forward home loan
Asha home loan
Super saver home loan

 

In case, you want to contact Axis Bank Customer Care you can get in touch with them using below details;

Axis Bank Customer Care Number

 

18604195555
Axis Bank Customer Care Email

 

[email protected]

 

Axis Bank Official Website

 

www.axisbank.com

 

 

ICICI Bank

 

ICICI bank home loan
ICICI bank extra home loan
Home loans for NRIs
ICICI saral rural housing loan
Home improvement loan
ICICI Pragati home loan

In case, you want to contact ICICI Bank Customer Care you can get in touch with them using below details;

ICICI Bank Customer Care Number

 

18002003344
ICICI Bank Customer Care Email

 

[email protected]
ICICI Bank Official Website

 

www.icicibank.com

 

 

 


Loan Application Process | Step Wise Guide

 

The process begins with collecting data like browsing online through the websites of different banks and other online portals to compare the interest rates which are being charged by various banks. The applicant is suggested to opt for the bank which levies lowest interest rates compared to others.

BANK INTEREST RATE PROCESSING FEES
SBI 8.60% 0.35% – 0.5% of total loan amount
CENTRAL BANK OF INDIA 8.60% Maximum INR 20000
PNB 8.65% INR 20000 – INR 50000
UNITED BANK OF INDIA 8.65% INR 1180 – INR 11800
HDFC BANK 8.75% INR 3000 – INR 10000
CANARA BANK 8.75% INR 1500 – INR 10000
AXIS BANK 8.90% INR 1000 – INR 25000
ICICI BANK 9.05% INR 5000
PNB HOUSING 9.10% INR 20000 – INR 50000

SBI offers the lowest EMI which is INR 776/lakh of the loan amount, as well as they, charge nil foreclosure fee.

 

LOAN APPLICATION

After comparing interest rates and processing fees by various banks (ranging from 0.25% to 1% of the total loan amount), the enquiry can be generated online or directly in the branch, which then is followed by filling up the loan application form with basic details, negotiating the processing fee (lower for applicants with very good credit score) and submission of documents.

Loan Application Process, Documents & Fees | Quick Approval
Loan Application Process, Documents & Fees | Quick Approval

 

 

REQUIRED DOCUMENTS | Loan Application Process

 

For salaried applicants:

1.     Application form with duly signed photographs

 

2.     Identity proof

 

3.     Residential proof

 

4.     Age proof

 

5.     Latest salary slips – three months

 

6.     Bank statement for the past 6 months

 

7.     Last 2 year’s ITR with form 16 or 26AS

 

8.     Processing fee

 

 

 

For self-employed professionals:

All the above-mentioned documents as in salaried applicants and below mentioned

9.     Educational qualification certificate

 

10.  ITR with computation of income – last three year’s

 

11.  An audited balance sheet with P&L account

 

 

 

For self-employed non-professionals:

 All the above mentioned 11 documents and below mentioned:

12.  Proof of business

 

13.  Business profile

 

 

 

 

DUE DILIGENCE

 

It is the process undertaken by the bank which involves all the financial, physical, personal and legal verifications done by the lender to evaluate the applicant’s status for henceforth approval before entering into the potential agreement. This process decides the fate of the application.

 

  1. Financial check

This includes investigation of past six month’s bank statement of the account holder/applicant, the types of transactions made, investments already made, already existing loans, repayment history if any and the EMIs, credit history, liabilities, average bank balances, previous history of cheque bounces. All these checks will decide if the applicant is eligible for the loan.

CIBIL SCORE is the criteria for evaluating the credit score which is also part of financial checks. The CIBIL SCORE is evaluated out of a total 900 and it should be above 750 for eligibility.

 

  1. Physical and field investigation

Verification of contact details provided, addresses provided, employment details are verified by visiting the residence and the office.

 

  1. Technical due diligence

Verification of the property, evaluation of the value of the property by third parties, verification of the quality of construction, stage of construction.

 

  1. Legal due diligence

Chain of titles is assessed from the very first sale to the current one, documents of the property are evaluated, ownership of seller is verified, seller and buyer agreement is verified.

 

 

 

CREDIT APPRAISAL AND LOAN SANCTION

 

Once all the technical and legal formalities are completed, the bank loan application process is completed, the bank calculates the EMI layout and repayment capacity of the applicant based on all the income and liabilities. The bank only approves 80% – 90% of the total value of the property (Loan to value ratio) and rest has to be paid by the applicant.

 

 

 

Loan Application Process | OFFER LETTER

 

The applicant is communicated with an offer letter which has:

  • Sanctioned loan amount
  • Rate of interest
  • Tenure
  • EMIs
  • Schemes if any
  • Terms and conditions

The offer letter is valid for only two-three months, varying bank to bank.

 

 

 

ACCEPTANCE for Loan Application

The applicant has to accept the offer letter by mentioning the final amount of loan required in accordance with the sanctioned amount and send a signed copy to the bank.

 

 

LOAN AGREEMENT

For the ready to move in the property the borrower and bank sign the agreement. The bank takes over a post-dated cheque of the total amount as security from the applicant.

For under construction properties the agreement between bank, buyer and builder is signed and the amount is disbursed to the builder depending upon the stage of construction.

 

 

SALE DEED, DISBURSEMENT AND POSSESSION

The sale is signed, money is disbursed, original documents related to the property are collected by bank in exchange for receipt and the property is ready to move in.

Some residential projects are pre-approved with certain banks for loans, in these cases, the applicant must get the APFC (Approved project financial code) from the builder and apply directly and save few steps of the process as the property would be preapproved by the respective bank.

The home loan process can be initiated online as well which is very easy to access and apply through various portals like the official websites of the banks. The website of various banks is very thoroughly briefed with all the steps and the application hence filed can be easily processed wherein the eligibility and credit scores can be calculated online.

 

There are various EMI calculators available on the websites as well. Upon filing the application with all the details viz., personal, project and financial details the documents can be uploaded online and an appointment with the marketing executive be scheduled.

The applicant can also track the loan application status online on the respective bank’s web portal.

 

 

LOWEST PROCESSING FEE WITH LOW-INTEREST RATES – STATE BANK OF INDIA.

 

 


Personal Loans: Loan Application Process

 

Personal loans are the non-security loans offered by banks on comparatively higher interest rates for any reasons like wedding, home renovation, education, vacation, medical emergency etc.

The available loan size varies from INR 50,000 to INR 40,00,000. The tenure can be as low as one year depending upon the amount in the case of personal loan. Based on credit history this type of loan is instantly approved by the bank and is the fastest disbursing loan that an individual can avail, for it can be credited in account in 30 minutes to 24 hours. In the case of preapproved loans, this time amount can be as less as 10 seconds.

As it is a non-secured loan, the pre-closure period of major financing banks is above and over 6 months* and the mode of payment is auto-debit for each EMI, the bank will automatically debit the EMI from the borrowers’ account at given date every month. Below mentioned are the loan application process steps:

 

Personal Loan Application | PROCESS

 

Eligibility

  • Repayment capacity – depending upon already existing loans, EMIs already being deducted, assets and liabilities.
  • Minimum income INR 15000 – INR 20000** (For almost all major banks)
  • Age: 21 Years – 60 Years (For salaried applicants), 25 Years – 65 Years (Professionals and businessmen, minimum of three years in business or profession)
  • Credit Score – 750+

The applicant can find a loan and EMI calculator designed with time period scale on every major bank’s website to conclude the amount of loan required and eligible for as well as the number of EMIs he/she wants the loan to be divided into. Through many agencies like CIBIL, Equifax, Expersian; applicant can apply for getting their respective credit scores.

Additional charges

Major charges include a processing fee which usually varies from 1% – 2% of the total loan amount + GST.

Apart from that pre-payment charges and pre-closure charges*** are also levied depending on what the process is. For foreclosure usually, 2% – 3% of the outstanding amount of loan is charged.

18% GST is levied on every service charges.

BANKS LOAN AMOUNT (INR IN LACS) INTEREST RATE PROCESSING FEE
YES 1 – 40 10.75% – 17% 2.5% + GST
SBI 0.25 – 15 11.75% – 15% 1% + GST
ICICI UPTO 20 12% – 18% 2.25% + GST
AXIS 0.50 – 15 12% – 22% 1.5% – 2% + GST
BAJAJ FINSERV UPTO 35 12% – 16% 3.99% + GST
HDFC 0.50 – 40 15% – 20% 2.5% + GST

Documents

For salaried applicants

  1. Identity proof
  2. Residence proof
  3. Latest salary slip
  4. Latest form 16
  5. Bank statement – last 6 months’
  6. 2 passport sized photographs

 

 

For self-employed professionals

All the above-mentioned documents except salary slip and below mentioned ones

  1. Income proof – CA verified/audited financials for the past two years
  2. Office address proof
  3. Office ownership

*Bajaj Finserv offers the pre-closure after payment of 1st EMI though the charges are high and minimum salary requirement is high comparatively.

**SBI has the lowest monthly income requirement of INR 5000 for Xpress credit personal loan.

***Axis bank charges 0 pre-closure charges and 0 part payment charges and HDFC charges 2% pre-closure charges after three years which is lesser compared to others.

Steps:

  • After comparing all the details online the applicant can initiate the loan application process on the bank’s portal by filling the loan application form, all details ranging from Name, address, email, contact, details of loan, details of employment, reasons for requirement of loan, tenure etc., have to be filled by the applicant.
  • Schedule a call from the representative.
  • Upload the required documents.
  • Bank will verify your details through KYC, the bank might also make physical visits to the applicant’s residence or employment location and other parameters are also verified.
  • Confirmation of appraisal decision which might take maximum 5 days from the bank.
  • Either the amount is credited directly into the applicant’s account or an account payee cheque/DD is sent to the applicant after the verification process is completed.

Some banks provide pre-approved loans to their existing customers depending upon their credit history. This loan amount can vary from INR 100000 – INR 500000 and can range from the tenure of 3 years to 5 years with interest rates ranging from 15.99% – 16.99%. These loans don’t require any documents, the loan amount is disbursed into the account of the applicant within 3 – 10 seconds of submission of application. Loan application status check can be done online on the respective banks’ website.

 

 


Car Loans: Loan Application Process

 

When we think of buying a car we immediately check our options with different financing banks, rates of interest they charge, depending upon our income how much funds they can dispense and many more other factors.

Like any other loan application filing process this application can very easily be filed online as all the banks provide for checking of the parameters required like mentioned in other loan processes the EMI calculators etc.

PROCESS

Broadly the eligibility criteria are based on below-mentioned points:

  • Age (18 Years – 65 Years)
  • Minimum income should be INR 2,50,000 and INR 2,00,000 for salaried and non-salaried professionals & businessmen respectively.
  • Credit Score 700+
  • LTV ration varies from 90% to 100% ex-showroom price

The process begins with calculating the eligibility and EMI provided at the shortlisted websites of banks through below-mentioned steps:

  • The three scale calculator appears on the webpage having
  1. Loan amount
  2. Interest rate
  3. Loan term

This can also be refined by adding the particular model of car with whatever variant has been booked to the search options.

All the parameters have to be set to know what will be approximate EMI according to the plan an applicant wants to choose.

  • Click on the apply now button.
  • Fill the application form with details whatsoever being enquired:
  • Personal details
  • Employment details
  • Car cost calculation
  • Whether used or new car loan is required
  • Residential details
  • Whether the dealer has been identified by the applicant or not.

 

The page will redirect to the amount of loan that can be applied to based on all the parameters given. Upon applying the bank requires further details of the applicant.

  • Fill the detailed application as required.
  • Submission of documents upon receiving a call from the representative of the bank.
  • Once the documents are submitted the bank will verify all the details as provided by you.
  • Upon verification, the bank will send an approval letter.
  • The final agreement is signed between the dealer and the bank’s finance department and the amount of loan whatsoever sanctioned for the applicant is disbursed in the account of the dealer.

The loan to value ratio can range from 90% to 100% ex-showroom price, in the case of 90% or less the residual amount has to be paid by the applicant.

 

Documents required

 For salaried applicant

  1. Proof of identity
  2. Address proof
  3. Income proof – latest salary slips as well as form – 16
  4. ITR for the past two years
  5. Bank Statement of the past six months
  6. Two passports sized photographs

 

 

For non-salaried professionals/businessmen

All the above-mentioned documents except salary slip as well as the ones mentioned below are required

  1. Audited balance sheet
  2. Business ownership proof
  3. Office address proof
  4. P&L account statement
BANKS INTEREST RATES LOAN AMOUNT PROCESSING FEE EMI/LAKH FOR 7 YEARS(INR)
HDFC 8.50% – 13.75% 100% Ex-showroom price INR 5150 1584 – 1725
AXIS 8.5% – 15% 1 Lakh onwards INR 5500 1584 –  1725
ICICI 8.82%- 12.75% 100% Ex-showroom price INR 5000 1600 – 1806
PNB 8.90% – 9.75% 85% on-road 1% of the total loan amount 1604 – 1614
SBI 8.90% – 9.65% and onwards 90% ex-showroom and 85% on-road price NIL 1604 – 1619

 

 

 


Education Loans: The Loan application process

 

The whole process of higher education ranging from college to university, technical courses and others could be a very expensive process and not affordable for a major chunk of the population. Education loans are the amount of money lent by banks to the students to cover all the expenses of the college/university for a particular course.

 

All banks provide loans to students for various courses after validating the eligibility and certain other parameters as will be mentioned below. The loan amount provided by banks ranges from 4 Lacs to over 75 Lacs for over a tenure of 10-15 years.

 

 

PROCESS

Factors one should consider before applying for a particular college:

  • Ranking of the college
  • Placement history
  • Certain banks have pre-tie-ups with colleges in case of which the interest rates are comparatively lesser and no collateral is required by the banks, so that enquiry should be made to the college admission committee.
  • Rate of interest by banks may vary depending upon the income of parent/guardian as well as GRE scores if the application is for foreign university.

 

 

Eligibility and Requirements

  • Ageage of the applicant should be between 16 to 35 years (Varies from bank to bank)
  • Admission should be confirmed by the university (India and abroad)
  • Available for graduate courses, postgraduate courses, vocational courses (few)
  • The requirement of co-applicant is mandatory

The educational loan hence provides all the expenses ranging from tuition fee, mess charges, abroad travel charges (if applicable), exam fee, and expanse of books.

 

 

Loan amount

The number of loans for Indian colleges and Universities ranges from 4 Lacs to 15 Lacs and above that for TIER 1 Colleges/Universities. For colleges and Universities out of India banks can provide up to 75 Lacs of the loan amount. For more details read the above bank loan application process step by step guide.

AMOUNT

(INR IN LACS)

CO-APPLICANT THIRD PARTY GUARANTEE COLLATERAL
4 Yes
4 – 7.5 Yes Yes
Above 7.5 Yes Yes Yes

 

Moratorium period

It is the time period given by the bank to the student until he/she starts repaying the loan. During the period of education no EMIs have to be paid and once the course is completed the time period of 6 months – 1 year is given in which the applicant would start earning and then start repaying the loan amount. For more details read the above bank loan application process step by step guide.

 

 

Margin Amount

The amount which has to be paid by the applicant of the total fee structure. The bank doesn’t pay 100% of the fee, the margin amount of 15% – 20% of the total fee varying from bank to bank has to be paid by the applicant as margin amount. For loans amounting to 4 Lacs, the margin amount is NIL.

SBI has the lowest margin amount of 15%.

 

 

Tenure:

<7.5 Lacs – <10 Years

 

>7.5 Lacs – 15 Years

 

For more details read the above bank loan application process step by step guide.

BANK LOAN AMOUNT (In LACS)

 

ROI (%)
BANK OF BARODA All types

 

8.50
PNB All types

 

8.55  – 9.45
SBI Up to 7.5

 

10.25
Above 7.5

 

10.50
CANARA 4

 

10.40
4 – 7.5

 

10.40
Above 7.5

 

10.20
HDFC CREDILA All types

 

12.5
AVANSE INSC. All types

 

12 – 14

Processing fee usually is 1% of the total loan amount but SBI charges INR 10500 which is refunded back to the applicant’s bank account once the loan is processed practically making it NIL.

 

Rebates

  • Girl applicants get a 0.5% rebate of interest rates.
  • If during the moratorium period the interest (excluding the principal amount) is paid by parent/guardian there will be an overall discount of 1% in interest rates.
  • Also, the applicant’s parent/guardian gets a tax-rebate (80E) if the interest is being paid as mentioned above during the moratorium period.
  • If the loan is collateral despite the minimum value or amount of the loan availed there would be better lesser interest rates charged by banks and the amount of loan sanctioned could also be elevated.
  • 0.25% of rebate if the applicant has a work experience of over two years.

 

 

Documents

  • Application form, duly filled
  • Passport sized photographs – two, of the applicant and co-applicants
  • Address proof
  • Income proof of parent/guardian
  • Salary slip – past three months (Salaried), Income proof (Non-salaried)
  • ITR, Form 16
  • Bank statement – latest 6 months
  • If the amount ranges from 4 Lacs – 7 Lacs and above, the guarantor form duly filled.
  • If the amount is above 7 Lacs, documents of the collateral. Collateral: Residential flat, Residential home, Non-Agricultural land, Fixed deposit, assigned in favour of the particular bank, Gold bond etc.
  • Admission fee and fee cycle schedule
  • Marks sheets and certificates of qualification
  • Receipts of margin money paid to the Institute

 

 

Disbursement

The amount after completion of process and verification upon sanctioning in disbursed directly to the institute. Additional expenses are covered through cheque sent directly to the vendor.

The loan application process from the very beginning of filing loan application form and disbursement of money into the account of the recipient is a simple yet intricate process. Following the step by step guide, keeping all the prerequisite necessities ready beforehand will sure expedite the process.

Web is a source of humongous information, many web portals including those of bank’s own website as well other independent setups provide the data that can be used by applicant for better comparison of schemes, interest rates, processing fee levied, taxes, hidden charges, legalities as well as the foreclosure rules can be easily compared online within various banks and better option have opted. For more details read the above bank loan application process guide.

Referring all the data and various surveys SBI ranks top in almost all the categories providing the applicant friendly services for both government as well as private sector employees.

Frequently Asked Questions

 

Personal Loan FAQs

 

Question 1: What are the loan limits for Personal Loan?

Solution 1: Normally, the loan limit is of Rs. 2.5 lakh. However, if the individual is self-employed and lives in one of the metro cities then the limit exceeds up to Rs 5 Lakh. In some special cases, the personal loan limit exceeds 10 lakhs also depending on the income level and the repayment capacity of the individual.

 

Question 2: What is the repayment schedule like?

Solution 2: The lowest amount that the customer needs to pay every month is your EMI. If you wish you can always pay more than the EMI Limit and the bank does not charge extra for it.

EMI stands for Equated Monthly Instalments which includes both the principal amount and the interest to be paid to the bank. For more details read the above bank loan application process guide.

Read: Port Your Number to Jio – A Helpful Guide on JIO MNP

 

Question 3: What are the processing fee charges?

Solution 3: Processing fees usually vary with different banks. In general, it is about 1% of the total loan amount which you need to pay upfront.

 

Home Loans FAQs

 

Question 1: What is Power of Attorney?

Solution 1: A Power of Attorney allows a person to grant another person the right to make decisions regarding the person’s assets, finances and real estate properties. For more details read the above bank loan application process guide.

There are 2 types of power of attorney;

  1. The ‘General Power of Attorney’ where a property owner confers ‘general’ rights. The rights include but are not limited to sell, lease, sub-lease etc.
  2. The ‘Special Power of Attorney’ wherein only a specific right is given by the owner to the chosen person.

Read: Passport Application Process: A Helpful Guide| Passport Seva

 

 

Question 2: What is the process to register my property?

Solution 2: A Power of Attorney allows a person to grant another person the right to make decisions regarding the person’s assets, finances and real estate properties.

Yes, you can execute a Special Power of Attorney to get your property registered by someone else.

 

Question 3: What is the process to register my property?

Solution 3: Registration of a property includes necessary stamping and paying of registration charges for a sale deed and getting it recorded at the sub-registrar’s office of the concerned jurisdictional area. For more details read the above bank loan application process guide.

If a property is purchased from a developer directly, getting it registered amounts to an act of legal conveyance. In case the purchased property is a 2nd or 3rd transaction, it involves a duly stamped and registered transfer deed.

 

 

Car Loans FAQs

 

Question 1: What makes of cars does SBI finance?

Solution 1: We finance all makes of new cars, and second-hand cars not more than five years old. Thus, you are free to choose any vehicle you want to own.

Your spouse’s income can be included provided he/she joins as co-borrower.

 

Question 2: What is the repayment schedule like?

Solution 2: The minimum amount that you are expected to pay every month is the EMI. You can repay the loan in up to 84 EMIs. For more details read the above loan application process guide.

 

Question 3: What Security do I have to furnish for availing the Car Loan?

Solution 3: A charge on the vehicle financed is noted with local Transport Authorities. Your spouse’s guarantee, if his/her income has been considered for fixing the loan amount, would also be required. Some other security may also be required in certain cases.

 

 

Education Loans FAQs

 

Question 1: Are there any charges or processing fee?

Solution 1: There is no additional charge or processing fee. The outstanding interest for the moratorium period will be added to the loan amount at the time of commencement of the repayment. The EMI will be determined on this amount at the time the repayment is to commence. For more details read the above loan application process guide.

 

 

Question 2: What is the repayment schedule like?

Solution 2: The repayment would begin one year after the course period or six months after you get a job, whichever is earlier. You are expected to pay a minimum amount equivalent to the EMI on a monthly basis. However, you can choose to pay more than the EMI, and we do not charge any prepayment penalty.

 

Question 3: Where can I avail of an SBI educational loan?

Solution 3: The loan is available from all branches in metro/urban areas as well as those having personal banking divisions. For more details read the above loan application process guide.

 

 

 

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Loan Application Process, Documents & Fees | Quick Approval Every now and then we find ourselves in a situation where we need an extra influx of finances and funds from an external source to provide strong base supp

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