Home Loan
A home loan can act as a comprehensive solution to a home buyer. We offer multiple financial solutions that can take you a step closer to your dream of having your own house. Simple and hassle-free application procedures, efficient customer care and dedicated relationship managers make the loan journey smooth.
Documents Required
PAN Card
Identity Proof
Here is the list of the acceptable ID proofs –
- Passport
- Driving License
- Aadhaar
- Voter’s Identity Card
- Job card issued by NREGA
- Letter issued by the National Population Register containing details of photo / name
Address Proof
Here is a list of the acceptable Address proofs –
- Passport
- Driving License
- Aadhaar Card
- Voter’s Identity Card
- Utility bills like Telephone Bill /Electricity Bill etc.
- Job card issued by NREGA
- Letter issued by the National Population Register containing details of photo / name and address.
Property-Related Documents
- Stamped agreement of the sale/ Sales Deed or the letter of Allotment
- NOC from the builder/ housing society
- Possession Certificate
- Detailed Construction cost estimation
- Bank Account statement
- In case of Constructed Apartment – Occupancy Certificate
Income Proof (Salaried Person)
- Last 3 months salary slips
- Form 16
- Bank statements from the previous six months and pay stubs
- Documentation of the collateralized property
Income Proof (Self Employed Person)
- ITR for the previous two years, with computation
- CA audited financials wherever applicable
- 6 months primary bank statement
Co-applicant
Co-applicant is mandatory. Additionally, Woman co-applicant is mandatory in certain cases
- Co‐applicant can be spouse or any first blood relative like parents, siblings, children who have attained age of maturity (s.t. income-ownership grid)
- All co-owners of property should be on loan structure
- Friends cannot be co‐applicants (allowed only if they are coming in the capacity of Partners/Directors/Shareholder)