Some
Important Points with regards to documents required while applying
for a housing loan :
NRI Documents required
Proof of Age.
Proof of residence.
Latest 3-month salary slips.
12 months Bank statement of Indian Saving Bank A/c.
6 months NRE / NRO Bank statements.
Copy of work permit (if applicable) / contract copy - last 2
years (Salary Certificate)
Income proof for self employed (2 yrs. Financial certified by
CA Partnership Deed etc.)
Identity card issued by employer.
Visa copy & passport copy.
1 CO-applicant/guarantor.
Power of Attorney on 200 rupees stamp paper
Loan tenure for 15 years.
2 photos signed behind.
A/c opening & Application form duly filled .
Home loan for Partnership Firm / Private Ltd. Co.
2 photo of each applicant and co-applicant with signature at
the back.
Proof of age & proof of residence.
IT acknowledgment, Balance sheet, P & L and Computation of
Income, with annexure, schedules & audit report (if
applicable) for last 2 years Originally C.A. certified with
membership number on all the Xerox copies of company &
individual.
Last 6 months Current A/c bank statements for Co.
Last six months bank statement of saving bank A/c partners /
directors.
0.8 % Cheque of loan amount (processing fees.) with
application.
A/c opening form & application form to be duly filled and
signed.
Tenure of loan 15 years.
Letter of signing authority for partnership firm / Board
Resolution for Private Ltd. company .
Partnership deed / MOA signed & sealed by partners /
directors.
Self-Employed (Proprietor) Documents required for
normal Home Loan
2 photo of each applicant and co-applicant with signature at
the back.
Home Loan form & A/c opening form duly filled.
Proof of residence (Latest electricity bill, Telephone bill,
Ration Card)
Proof of age (valid Passport, Driving License, LIC)
ITS acknowledgment, Balance sheet, P&L a/c Computation of
Income with Annexure & Schedules & Audit Report if
applicable original certified by C. A. with membership number.
A/c opening form duly filled with proof of age and residence
attached in.
Tenure of loan 15 years max.
Bank statement for last six months till date - of current
& saving A/c
Home loan of Shipee clientele.
2 photos each signed behind of applicant and CO-applicant
Application form duly filled and signed.
Contract copies for last 2 year.
Current Appointment letter on company's letterhead.
Xerox of Continuous Discharge Certificate (CDC) book
Proof of Address (Alternatives)
Proof of age (Alternatives)
A/c opening form to be duly filled and signed.
Bank statement where salary is reflected for atleast six
months till date for both applicant & CO-applicant
Tenure of loan 15 years
Salaried Home Loans docs
Last 3 months salary slips showing statuary deductions.
Last 2 years form 16 (If not working in same company for last
2 years than previous company form 16 and latest company's
appointment letter to prove continuity of work).
2 photos each signed behind for applicant and CO-applicant
Proof of age (Alternative)
Proof of residence (Alternative)
Last six months bank statement till date where salary is
credited applicant & CO-applicant
0.8 % Cheque of loan amount (Processing fees)
A/c opening form with proof of age and proof of residence in
accordance extinct.
Tenure 15 years. Interest & Emi payable is a factor
determined by the lending Bank and it may varry from Bank to
Bank.
Rate of Interest is a factor which is subject to
variation & movement of the Money Markets, and the lending
Banks policy with regards to their Home financing cell.
Documents required
Proof of age (Passport/License/Voters ID)
Proof of address (Ration card/Tel/Electricity bill)
Copies of Bank Statements for last 6 months
Copies of loan account statement and outstanding balance at
that time (if applicable)
Copies of documents held with other finance institutions (in
case of refinance)
Signed Photographs of applicant & co applicant (2)
photographs signed
