Loan Application - Information Sheet

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Contact Reference - 1
Contact Reference - 2

List of Documents - Business Loan

1. SELF EMPLOYED PROFESSIONALS

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill (if on rent, please share rent agreement)
  3. Latest Electricity bill of office (if on rent, please share rent agreement)
  4. Certificate of Practice
  5. GST Certificate & MSME Udyam Certificate

FINANCIALS :

  1. Last 3 years Financials – ITR (Acknowledgment copy), Computation of Income, Balance Sheet, Profit & Loss A/c with all schedules and Form 26AS
  2. Bank statements for last 12 months
  3. Sanction letter of all present loans alongwith repayment schedule
  4. LOD & Foreclosure letter (in case of Balance Transfer)
2. SELF EMPLOYED INDIVIDUALS

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill (if on rent, please share rent agreement)
  3. Latest Electricity bill of office (if on rent, please share rent agreement)
  4. GST Certificate & MSME Udyam Certificate

FINANCIALS :

  1. GST-3B for las 12 months
  2. Last 3 years Financials – ITR (Acknowledgment copy), Computation of Income, TAX Audit Report (if applicable), Balance Sheet, Profit & Loss A/c with all schedules and Form 26AS
  3. Bank statements for last 12 months
  4. Sanction letter of all present loans alongwith repayment schedule
  5. LOD & Foreclosure letter (in case of Balance Transfer)
3. PARTNERSHIP CO.

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill (if on rent, please share rent agreement)
  3. Latest Electricity bill of office (if on rent, please share rent agreement)
  4. Partnership Deed & Latest Shareholding pattern on company letterhead
  5. GST Certificate & MSME Udyam Certificate

FINANCIALS :

  1. GST-3B for las 12 months
  2. Last 3 years Financials – ITR (Acknowledgment copy), Computation of Income, TAX Audit Report (if applicable), Balance Sheet, Profit & Loss A/c with all schedules and Form 26AS
  3. Bank statements for last 12 months of all accounts as per balance sheet
  4. Sanction letter of all present loans alongwith repayment schedule
  5. Last 2 years Financials of all partners – ITR (Acknowledgment copy) & Computation of Income
4. PRIVATE LIMITED CO.

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill of all directors (if on rent, please share rent agreement)
  3. Latest Electricity bill of office (if on rent, please share rent agreement)
  4. MOA AOA alongwith Incorporation Certificate & Latest Shareholding pattern with List of Directors on company letterhead
  5. GST Certificate & MSME Udyam Certificate

FINANCIALS :

  1. GST-3B for las 12 months
  2. Last 3 years Financials – ITR (Acknowledgment copy), Computation of Income, TAX Audit Report (if applicable), Director’s Report, Auditor’s Report, Balance Sheet, Profit & Loss A/c with all schedules and Form 26AS
  3. Bank statements for last 12 months of all accounts as per balance sheet
  4. Sanction letter of all present loans alongwith repayment schedule
  5. Last 2 years Financials of all directors – ITR (Acknowledgment copy) & Computation of Income

List of Documents - Home Loan & Loan Against Property

1. SALARIED INDIVIDUALS

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill (if on rent, please share
    rent agreement)
  3. Present Job ID Card
  4. Job Appointment / Confirmation Letter

FINANCIALS :

  1. Last 6 months salary slips
  2. Latest 2 years Form 16 (Part A & B)
  3. Bank statements for last 12 months
  4. Sanction letter of all present loans alongwith repayment schedule
  5. LOD & Foreclosure letter (in case of Balance Transfer)

PROPERTY DOCUMENTS :

  1. Draft Agreement / sale deed
  2. Chain agreement (if any) alongwith CC & OC copy (if OC is not available
    then share BMC Approved Plan copy)
  3. Share Certificate (both sides)
2. SELF EMPLOYED PROFESSIONALS

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill (if on rent, please share rent agreement)
  3. Latest Electricity bill of office (if on rent, please share rent agreement)
  4. Certificate of Practice
  5. GST Certificate & MSME Udyam Certificate

FINANCIALS :

  1. Last 3 years Financials – ITR (Acknowledgment copy), Computation of
    Income, Balance Sheet, Profit & Loss A/c with all schedules and Form 26AS
  2. Bank statements for last 12 months
  3. Sanction letter of all present loans alongwith repayment schedule
  4. LOD & Foreclosure letter (in case of Balance Transfer)

PROPERTY DOCUMENTS :

  1. Draft Agreement / sale deed
  2. Chain agreement (if any) alongwith CC & OC copy (if OC is not available then share BMC Approved Plan copy)
  3. Share Certificate (both sides)
3. SELF EMPLOYED INDIVIDUALS

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill (if on rent, please share rent agreement)
  3. Latest Electricity bill of office (if on rent, please share rent agreement)
  4. GST Certificate & MSME Udyam Certificate

FINANCIALS :

  1. GST-3B for las 12 months
  2. Last 3 years Financials – ITR (Acknowledgment copy), Computation of
    Income, TAX Audit Report (if applicable), Balance Sheet, Profit & Loss A/c with all schedules and Form 26AS
  3. Bank statements for last 12 months
  4. Sanction letter of all present loans alongwith repayment schedule
  5. LOD & Foreclosure letter (in case of Balance Transfer)

PROPERTY DOCUMENTS :

  1. Draft Agreement / sale deed
  2. Chain agreement (if any) alongwith CC & OC copy (if OC is not available then share BMC Approved Plan copy)
  3. Share Certificate (both sides)
4. PARTNERSHIP CO.

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill (if on rent, please share rent agreement)
  3. Latest Electricity bill of office (if on rent, please share rent agreement)
  4. Partnership Deed & Latest Shareholding pattern on company letterhead
  5. GST Certificate & MSME Udyam Certificate

FINANCIALS :

  1. GST-3B for las 12 months
  2. Last 3 years Financials – ITR (Acknowledgment copy), Computation of
    Income, TAX Audit Report (if applicable), Balance Sheet, Profit & Loss A/c with all schedules and Form 26AS
  3. Bank statements for last 12 months of all accounts as per balance sheet
  4. Sanction letter of all present loans alongwith repayment schedule
  5. Last 2 years Financials of all partners – ITR (Acknowledgment copy) & Computation of Income
  6. LOD & Foreclosure letter (in case of Balance Transfer)

PROPERTY DOCUMENTS :

  1. Draft Agreement / sale deed
  2. Chain agreement (if any) alongwith CC & OC copy (if OC is not available then share BMC Approved Plan copy)
  3. Share Certificate (both sides)
5. PRIVATE LIMITED CO.

KYC :

  1. Passport size photograph’s
  2. PAN Card, Aadhar Card & Latest Electricity bill of all directors (if on rent, please share rent agreement)
  3. Latest Electricity bill of office (if on rent, please share rent agreement)
  4. MOA AOA alongwith Incorporation Certificate & Latest Shareholding pattern with List of Directors on company letterhead
  5. GST Certificate & MSME Udyam Certificate

FINANCIALS :

  1. GST-3B for las 12 months
  2. Last 3 years Financials – ITR (Acknowledgment copy), Computation of
    Income, TAX Audit Report (if applicable), Director’s Report, Auditor’s Report, Balance Sheet, Profit & Loss A/c with all schedules and Form 26AS
  3. Bank statements for last 12 months of all accounts as per balance sheet
  4. Last 2 years Financials of all directors – ITR (Acknowledgment copy) & Computation of Income
  5. Sanction letter of all present loans alongwith repayment schedule
  6. LOD & Foreclosure letter (in case of Balance Transfer)

PROPERTY DOCUMENTS :

  1. Draft Agreement / sale deed
  2. Chain agreement (if any) alongwith CC & OC copy (if OC is not available then share BMC Approved Plan copy)
  3. Share Certificate (both sides)

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Frequently asked questions

Which bank will give the best ROI ?

Rate of Interest (ROI) depends on factors such as CIBIL score, income, age etc. If you match all the norms, we can provide the lowest rate available in the market. Currently, the lowest rate prevailing in the Market is 8% per annum, subject to all the conditions being matched.

What are the factors that primarily affect loan eligibility?

Loan eligibility primarily depends on the following factors:

  1. Cumulative net monthly income of the applicant and co-applicant.
  2. Quantum of loans and credit card outstanding that you already have.

Typically a bank will not give a loan if the total EMI obligation (including the current home loan you are trying to apply for) exceeds 60-70% of your full net take-home salary.

My loan got rejected even though I have a decent income?

The final decision to grant a loan lies with the credit department of a bank. There are many reasons why a bank may reject your home loan request. Income is one of the eligibility criteria. Other issues include

What is the difference between Pre Closure & Part Prepayment?

Pre-closure means a customer wants to close the principal outstanding amount in one go. On the other hand, part payment means a customer wants to repay only a specific portion of the due amount. Please ask our advisor for more details when your loan is processed

Is Pre-Payment or Part Payment allowed in a loan?

Yes, home loan pre-closures are allowed without extra charges as long as the mode of repayment you have chosen is the Floating rate of interest and not a fixed one. In the case of part payment, some banks may restrict the times you can make a part payment per year and the amount you can partly pay in a year. Please connect with our financial advisors or the bank’s loan advisor to clarify all these factors before signing the loan document.

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