Home Loan / LAP

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  • Home Loan / LAP

Product:-

  1. Housing loan(Fresh, BT+Top Up):- Land purchase, flat purchase, renovation, re-sale.
  2. Loan Against Property (LAP):- Vacant land, completed house/flat.
  3. 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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