Home Loan
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PURPOSE
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- Purchase of new flat and construction of house or purchase of old flat / house
- Repairs/ improvements/ extension of the existing residential property.
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ELIGIBILITY
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- Indian citizen above 18 years.
- Individual, either singly or jointly with other family members viz. father, mother, son and spouse,
who have regular sources of income as co-applicants.
- Contact our nearest branch for further details.
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MAXIMUM AMOUNT
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REPAYMENT
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- Upto 180 installments for all [ maximum ].
- Flexible methods of repayment.
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RATE OF INTEREST
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Interest @ 8.75 % p.a., are being calculated on basis of Reducing Loan amount.
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SURETIES/SECURITY
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If the house/ flat proposed to be purchased, is yet to be constructed or is under construction,
interim security may be required (till the period of its completion)
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INSURANCE
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Property insurance is compulsory for the valuation of the property.
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DOCUMENTS REQUIRED FOR HOME LOAN
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- Application form for home loan.
- Two guaranters (under the terms and condition).
- Colour photographs, address proof (identity card, pan card, aadhar card, ration card etc.)
- Introduction by Director or Staff.
- Registration certificate/ buis ness proof/ buisness license
- Income tax returns, B/S, P&L of previous three years/ salary slips or income proof/saral form/ form 16.
- Original purchase document (sale deed / sale agreement).
- Sanction plan, 7/12 extract, 8-A extract ,city survey index2 (within 1 month).
- N.A order/ acceptance plan/ acceptance map/ acceptance building plan construction license
- Construction completion certificate.
- Valuation fees, C.A. fees, advocate fees(as per terms and conditions)
- Flat agreemnet.
- Copy of deed of declaration.
- Non objection certificate from builders/society.
- Regi.mortage deed ,index 2, boja nondi utara.
DOCUMENTS REQUIRED GUARANTOR
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- Colour photographs, address proof (identity card, pan card, aadhar card, ration card etc.)
- Income tax returns, B/S, P&L of previous three years/ salary slips or income proof/saral form/ form 16.
- Property card, 7/12 extract
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