Purpose:

Home loan can be used for purchasing a new house, construction of the house on a plot, home improvement, extension, and renovation of your existing house.

Eligibility: Loan available for both salaried and self-employed borrowers within the age group of 21 and 75 years.

Security: Mortgage of home you are planning to purchase, renovate, or construct.

Loan Amount: In the range of Rs. 10 Lakh to Rs. 1000 Cr.

Loan to Property Value Ratio: Varies from 75% to 100%.

Loan Tenure: Can range from 5 to 30 years.

Interest rates: Home loan Interest Rates starting from 6.90%. Special rates for women borrowers.

Lowest EMI: Lowest EMI of Rs. 774 per lakh.

Processing Fees: Up to 1% of the loan amount or Maximum Rs. 10,000.

Prepayment Charges: Nil charges on floating rate home loans

Other Charges: Legal charges, technical charges, etc.

Documents Required: Address Proof, Identity Proof, Income.

Salaried:

1. Application form completed with 2 photographs duly filled in and signed.
2. ID Proof: PAN CARD.
3. Residence Proof: Latest Telephone bill / Bank Statement containing the address for last 6 months / Electricity bill / Ration card / Letter from Employer.
4. Salary slips for last 3 months.
5. Latest Form 16.
6. Copy of Appointment Letter with Latest CTC & Confirmation Letter.
7. Original Bank Statement / Passbook of salary A/C for the last 6 months (updated).
8. Last Qualification Proof.
9. Previous Employment details if an applicant is in probation.
10. Investment Proof.
11. Processing Fees Cheque.
12. Repayment Track Record if any.

1. Application form completed with 2 photographs duly filled in and signed.
2. ID Proof : PAN CARD / PASSPORT / VOTER ICARD / Employer ID Card / Driving license.
3. Residence Proof: Latest Telephone bill / Bank Statement containing the address for the last 6 months / Electricity bill / Ration card.
4. Last 3 years ITRs ( SARAL, Computation of Income, Profit & Loss A/c, Balance Sheet, TDS Certificates ( if applicable ), Tax Paid Challans.
5. In case of a Partnership firm: ITRs for the last 3 years and Partnership Firm.

6.In the case of a company: Audit Reports for the last 3 years and MOA & AOA.

7. Bank Statement / Passbook of Current & SB A/C for last 6 months ( updated ).
8. Alternate Business Proof (Shop Registration Certificate Certificate etc.).
9. Processing Fees Cheque.

1. Outstanding loan quotation.
2. Repayment Track Record.
3. List of Documents.
4. NOC for take over.
5. Copies of Property Agreement.
6. Sanction plan copy ( Blue Print ).

1. Copy of Passport, Visa, Service Contract, Salary slip ( all duly attested by Indian Embassy / Notary / HFL Officials / Bank )
2. GPA (GENERAL POWER OF ATTORNEY ) in our format ( all duly attested by Indian Embassy / Notary / HFL Officials / Bank )
3. Bank Statement for the past one years of recent employment
4. NRI Bank Statement for 6 months
5. And see list of salaried documents

# above mentioned income documents are required for the Co-applicant also if His/her income is considered

E or F or G or H whichever applicable:

1. E) For Purchase of New Flats from Builders/ Promoters:
2. Agreement to sale with the builder and the Registration Receipts.(2 copies).
3. Blueprint of the building plan attested by the corporation/ Town Planning authority and the commencement Certificate. The applicant flat should be marked in red color for easy identification.
4. N.A. Permission and ULC order copy.
5. Title investigation report for the last 12 years (Search report for 12 yrs. Conducted within one year.
6. Development Agreement and Power of Attorney/sale deed in favor of the builder.
7. Receipts of payments made to the builder.
8. 7/12 OR CTS extract OR Property card.
9. NOC from the builder in a prescribed format.
10. Completion Certificate, if obtained.
11. Society documents mentioned below (I). ( if applicable )

1. Agreement to sale with the vendor and the Registration Receipt. (2 copies).
2. Agreement to the sale between the vendor and the builder and its Registration receipt.
3. Copy of the conveyance deed between the builder and the society is registered.
4. Receipts of payments made to the vendor.
5. Documents 2, 3, and 4,5,7,8,9,10, of point (E).

1. Sale deed / Lease deed and its Registration.
2. 7/12 extract and Index II.
3. Demarcation / Layout certification.
4. Abstract & Detailed Estimate for construction / extension prepared & certified by a Licensed Surveyor / Architect.
5. Documents 2, 3,4,10, of point (E) above.

1. Allotment letter.
2. NOC from the body.
3. Additional certificate (in PCNTDA) cases only).
4. Lease deed & its Registration receipts.
5. Blueprint of the sanction building plan and commencement certificate attested by the sanctioning authority.
6. Receipts of payment made to the body.

1. Allotment letter.
2. NOC from the body.
3. Additional certificate (in PCNTDA) cases only).
4. Lease deed & its Registration receipts.
5. Blueprint of the sanction building plan and commencement certificate attested by the sanctioning authority.
6. Receipts of payment made to the body.

1. Agreement to sale with the builder and the Registration Receipts.
2. Blueprint of the building plan attested by the corporation/ Town Planning authority and the commencement Certificate. The applicant flat should be marked in red color for easy identification.
3. Receipts of payments made to the builder. If cheque Payment then Bank clearance required.
4. NOC from the builder in the prescribed format.
5. Builder Demand Letter.