Home Loan

Home loan is a loan that is secured by property or real estate. In exchange for funds received by the home buyer to buy property or a home, the lender gets the promise of that buyer to pay back the funds within a certain time frame for a certain cost. Home Loan is generally offered to individuals who wish to purchase or construct a house. The property is mortgaged to the lender as a security till the repayment of the loan. The bank or financial institution will hold the title or deed to the property till the loan has been paid back with the interest due for it.
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List of documents for Home Loan:

1. Applicant 3 months salary silp
2. Applicant 6 months banking to till date
3. Applicant & Co-Applicant KYC Pan Card, Aadhar card , Photo
4. Form 16 and office id card / 2 years itr with computation of income + form 26 as
5. New Company Appointment Letter & Old Company Relieving Letter
6. Repayment schedule of all running loan
7. All property papers chain + Agreement to Sale (ATS).

Self Employed:
1. Applicant & Co-Applicant I'd proof (Pan card & passport/driving license/voter—id)
2. Applicant & Co-Applicant Residence proof (latest month telephone bill & electricity bill and water bill)
3. Office proof (latest month electricity bill & telephone bill).
4. Financials of asst 18-19'19-20 (ITR; computation balance sheet p&L a\c 3CD audit reports with all annexure Dr. Cr.List).
5. Vat returns from GST 1-4-19TO TILL DATE.
6. Sales/vat registration certificate GST CERTIFICATE
7. Latest six months all current account bank statement and saving banking a/c.
8. 2 photos.
9. Sanctioned letter of existing O/D, C/C limits.
10. Repayment schedule of all running loans.
11. All property papers chain + Agreement to Sale (ATS).
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