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Home Loan
Rate of Interest ~ 18% P.A. (Reducing Rate)





A home loan is an amount of money that an individual borrows from a bank or money lending company at a certain rate of interest to be paid with the EMI every month. The property is taken as a security by the money lending company for the Home Loan.

FEATURES OF HOME LOAN:-
  • Attractive Interests Rates
  • Doorstep Service
  • Balance Transfer Facility
  • Nominal Prepayment Charges pulvinar dapibus leo.

Different kinds of home loans you can take.

  1. Home Purchase Loan - You can buy any house or home that is within your budget
  2. Construction Home Loan – You can use this loan to cover the costs of building a house
  3. Land Purchase Loan - You can use this loan to buy a piece of land
  4. Home Improvement Loan – You can use this loan to renovate and improve your house
  5. Home Repair Loan – Pay for the cost of repair and restoration of your home
  6. Home Extension Loan – Increase the amount of built up space at your home using this loan.






WHAT ARE THE SUPPORTING DOCUMENTS REQUIRED WHILE APPLYING FOR THE LOAN?




  1. COMMON REQUIREMENTS FOR ALL APPLICANTS.
    • Application form duly filled in (with photograph of the applicant).
    • Copy of approved plan and sanction letter from local civic authority.
    • Copy of NA permission.
    • One/two guarantor/s form/s and salary certificates. – If guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
    • Bank Pass-book of statements for the last one year.
    • Latest salary slip/statement showing all deductions in case of employed applicants.
    • Certified copies of Balance Sheets and Profit and Loss accounts, IT acknowledgments, advance tax challans (for both company / firm and personal account) for the last three years in case of self employed applicants.
    • Memorandum/Articles of Association for companies, partnership deeds for firms and a brief profile of your company/ firm in case of self employed applicants.
    • Residence and Age verification, which may be established from the PAN card, Election ID, Passport, Drivers license and Ration card etc.
  2. ADDITIONAL REQUIREMENT
    1. IN CASE OF PURCHASE FROM BUILDER
      • Copy of Agreement for sale.
      • Copy of registration receipt.
      • Copy of sanctioned plan & sanction letter of the competent authorities.
      • Copy of NA permission/ULC order.
      • Copies of receipts of payments already made.
      • NOC from builders.
    2. IN CASE OF DIRECT ALLOTMENT IN A CO-OPERATIVE HOUSING SOCIETY
      • Allotment letter.
      • Share certificate, Society registration certificate.
      • Copy of sale/lease deed in favor of the society.
      • NOC from society.
      • Possession letter in original.
    3. IN CASE OF RESALE
      • Copy of all previous vendors agreements duly stamped and registered and the registration receipts. (Original to be given before disbursement)
      • NOC from Society/Builder
      • Original Share Certificate.







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