Home Loan / LAP
- Home
- Home Loan / LAP
Product:-
- Housing loan(Fresh, BT+Top Up):- Land purchase, flat purchase, renovation, re-sale.
- Loan Against Property (LAP):- Vacant land, completed house/flat.
- Lease Rental Discounting (LRD):- Loan offered against rental receipts derived from lease contracts with corporate tenants.
Checklist:-
| Documents required for Salary profile:- | Documents required for Business profile:- |
| 1. Photo (Applicant & Co-applicant)
2. PAN (Applicant & Co-applicant) 3. Address proof – Aadhaar (Applicant & Co-applicant) 4. Last 3 months salary slips 5. Last 2 years Form 16 6. Appointment letter and/or joining letter 7. Bank statement last 6 months (Salary credit account) 8. Existing loans sanction letter & RTR with SOA 9. PF cheque
|
1. Photo (Applicant & Co-applicant)
2. PAN (Applicant & Co-applicant) 3. Address proof – Aadhaar (Applicant & Co-applicant) 4. Last 3 years ITR with computation and audited P/L & B/S 5. Business proof (like GST, VAT, Licenses, Partnership deed, MOA/AOA, CoI) 6. GSTR – 3B of last 1 year 7. Business profile on letter head 8. Share holding pattern on their letter head 9. Bank statement last 1 year to till date (CASA, CC) 10. Existing loans sanction letter & RTR with SOA 11. Last 3 years Form 26AS 12. PF cheque |
| Property documents:- | 1. Sale deed
2. Patta 3. Latest revenue receipt (Pauti) 4. EC – last 13 years 5. Revenue map 6. Mouza map 7. Amina map 8. Approval plan and sketch 9. All link docs related to property 10. Agreement to sale in case of purchase |
| PROPRIETORSHIP
FIRM |
PARTNERSHIP FIRM | PVT LIMITED FIRM | ||
| Individual | Individual Partners | Firm | Individual
Directors |
Company |
| Passport size photo – 1 | Passport size photo – 1 | Passport size photo – 1 | ||
| PAN | PAN | PAN, Partnership deed of firm | PAN | Certificate of Incorporation, MOA/AOA, PAN of Company |
| Residence proof-
1. Bank passbook 2. Statement 3. Rent agreement 4. Passport 5. Letter from HR 6. BSNL landline tel. bill 7. Electricity bill |
Residence proof-
1. Bank passbook 2. Statement 3. Rent agreement 4. Passport 5. Letter from HR 6. BSNL landline tel. bill 7. Electricity bill |
Office add. proof-
1. Bank passbook 2. Statement 3. Rent agreement 4. Passport 5. Letter from HR 6. BSNL landline tel. bill 7. Electricity bill |
Residence proof-
1. Bank passbook 2. Statement 3. Rent agreement 4. Passport 5. Letter from HR 6. BSNL landline tel. bill 7. Electricity bill |
Office add. proof-
1. Bank passbook 2. Statement 3. Rent agreement 4. Passport 5. Letter from HR 6. BSNL landline tel. bill 7. Electricity bill |
| Land line telephone bill – office/residence | Land line telephone bill – office/residence | Land line telephone bill – office/residence | ||
| Own residence proof | Own residence proof | Own residence proof | ||
| Form 20 and latest form 32 filed with ROC | ||||
| INCOME | ||||
| Business entity proof-
TIN,VAT, GST cert., Service Tax, Municipality license, Food license, Drug license, etc. |
Business entity proof-
TIN,VAT, GST cert., Service Tax, Municipality license, Food license, Drug license, etc. |
Board resolution for appointment of director/MD & salary to directors. | Business entity proof-
TIN,VAT, GST cert., Service Tax, Municipality license, Food license, Drug license, etc. |
|
| Business profile on letter head | Business profile on letter head | Business profile on letter head | Business profile on letter head | |
| Computation of income, ITR, P&L, B/S, Tax audit report with 3CB, 3CD, 3CA-last years | Computation of income, ITR, P&L, B/S, Tax audit report with 3CB, 3CD, 3CA-last years | Computation of income, ITR, P&L, B/S, Tax audit report with 3CB, 3CD, 3CA-last years | Computation of income, ITR, Form-16, 16A, 26 AS-last 2 years | Computation of income, ITR, P&L, B/S, Tax audit report with 3CB, 3CD, 3CA-last years |
| VAT return-last 1 yr | VAT return-last 1 yr | VAT return-last 1 yr | ||
| Debtor-Creditor schedule-last financial year | Debtor-Creditor schedule-last financial year | Debtor-Creditor schedule-last financial year | ||
| All Bank statements : CASA, CC – 6 months | All Bank statements : CASA, CC – 6 months | All Bank statements : CASA, CC – 6 months | All Bank statements : CASA, CC – 6 months | All Bank statements : CASA, CC – 6 months |
| PROPRIETORSHIP
FIRM |
PARTNERSHIP FIRM | PVT LIMITED FIRM | ||
| Existing loan | ||||
| If any existing loan- RTR, EMI debiting bank statement & sanction letter of that loan | If any existing loan- RTR, EMI debiting bank statement & sanction letter of that loan | If any existing loan- RTR, EMI debiting bank statement & sanction letter of that loan | If any existing loan- RTR, EMI debiting bank statement & sanction letter of that loan | If any existing loan- RTR, EMI debiting bank statement & sanction letter of that loan |
| Process | ||||
| All documents are to be self-attested by the applicants | All documents are to be self-attested by the applicants | All documents are to be self-attested by the applicants | ||
| The application form has to be filed properly with actual data | The application form has to be filed properly with actual data | The application form has to be filed properly with actual data | ||
| The application form has to be signed by all the applicants only | The application form has to be signed by all the applicants only | The application form has to be signed by all the applicants only | ||
| Co-applicant | ||||
| Spouse-KYC | Partners-KYC | Directors-KYC | ||
Interested in a loan?
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