| Documents
Required |
 |
Recent Photographs |
| |
|
| Know Your
Customer Documents (KYC) |
|
Photo Id & Age Proof: |
| |
Pan Card (clear & enlarged copy) |
|
Residence Proof: |
|
For owned residence: |
| |
Latest Electricity / Phone Bill |
|
For rented residence : |
| |
Rent Agreement: With Flat owners latest Electricity
/ Maintenance bill |
|
Phone Bill: |
| |
Cell / Landline: - latest, not more than
60 days |
| |
|
| Qualification: |
|
Highest Qualification Certificate |
| |
|
| FINANCIALS------
Salaried |
|
Form No.16 / 16A (for the last 2 yrs.) |
|
6 month salary slips |
|
Latest CTC |
| |
|
| FINANCIALS------ Businessman |
|
Last 3 yrs Income Tax Returns (ITR’s)
must consist of: |
|
Computation of Income |
|
Balance Sheet |
|
Profit & Loss Account |
|
Capital Account |
|
All other schedules & annexure which
ever applicable are must. |
| |
All the ITR’s must be C.A attested. |
| |
|
| Loan Details |
| |
If any other Loan / Loans are going on, then
we would need its sanction letter with amortization schedule.
|
| |
|
| BANK STATEMENTS
- Salaried |
|
One year Bank Savings Statement of all savings
Bank Accounts from where the loan EMI is going (if any)
|
|
Six months "Salary Account Bank Statement" |
| |
|
| BANK STATEMENTS
– Businessman |
|
One year Bank Statement of all the savings
& current accounts |
|
Also One year bank statement from where the
loan EMI is going (if any ) |
| |
|
| PROPERTY
DOCUMENTS |
|
Photocopy of all documents relating to the
property to be mortgaged |
|
Registered purchase agreement with previous
chain agreement |
|
Share certificates |
|
Commence Certificate (C.C) |
|
Municipality approved Floor Plan/Building
Plan |
|
Occupation Certificate (O.C) |
|
All other required NOC’s |
| |
|
| The Home
Loan process : |
| There are several
steps in the home loan process. Here are the steps in
brief: |
|
Submission of Application form |
|
Personal Discussion with the credit official |
|
Bank's Field Investigation |
|
Credit appraisal by the bank and loan sanction |
|
Offer Letter |
|
Submission of legal documents & legal
check |
|
Technical / Valuation check |
|
Valuation |
|
Registration of property documents |
|
Signing of agreements and submitting post-dated
cheques |
|
Disbursement |
| |
|
Print
required documents |
