Home Loan plays an important role in helping one with easy availability of your dream home. There are a number of banks that offer home loans at low interest rate.
You may want to either want to buy a new home or construct one; it has few formalities starting from submitting the application for disbursement of loan amount. Keeping basic documents ready in hand saves time and effort.
Documents Required
I.D. Proof
Address Proof
4 Photographs
R.O.I . 05% FLAT per Annum
2 Stamp Paper of Rs.50/- in favor of the Applicant
Bank Statement of last 3 months
File Charge Rs. 3362 + 18% GST. = Rs. 4100.00/-.
Documents Valid as I.D. Proof
PAN Card
Driving License
College Identity Card Etc.
Aadhar Card
Voter Card
Job Certificate (at present) issued from company in which Applicant Working-
Documents Valid as Address Proof
The company accepts following documents from the client side in the case of loan.
Rashan Card
Mobile Bill
Electricity Bill Land Line Bill
Passport
House Tax Slip
Mool Niwas Patra
Water Bill
Gas Bill etc
Required Documents of Guarantor
ID Proof
5 Recent Photographs
Bank Account Detail
Last 2 months pay Slip
House Tax Slip
Processing Fees upto 1 Lac to 3 Lac -11800 + GST (18%) and above – 3.00% or Loan amount + GST (18%)
.O.D & Salary In charge Signatures Along with his/her Stamp on Official Undertaking Bond Page No. X2. is a Compulsory.
3 Stamp Paper of Rs.100/- in favor of Guarantor. with Name, Address, Father Name & City with PIN Code (These must have a Signature & Thumb Impression and Public Notary)
One Photograph of each family member (Above 18 Years) (only in case of Private Limited guarantor)
In case of property guarantor, property documents are required like(Khasra, Khatauni, Registry)
Type of Guarantor
- Government Guarantor
- Private Limited Guarantor.
- Electricity Bill Land Line Bill
- Property Guarantor