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WHAT IS THE IMPORTANT ROLE OF BOTH INCOME DOCUMENT & PROPERTY DOCUMENT FOR LOAN!

  1. LAST 3 MONTHS PAY SLIP
  2. LAST 6 MONTHS BANK STATEMENT FOR SALARIED APPLICANT
  3. LAST 2 YEAR FORM16 WITH PART-A & PART-B
  4. EMPLOYEE ID CARD
  5. PAN CARD
  6. AADHAR CARD
  7. CURRENT ADDRESS PROOF AADHAR / VOTER ID/ PASSPORT/ HR LETTER / DRIVING LICENSE / LATEST GAS BILL
  8. THREE PASSPORT SIZE PHOTO
  9. PRESENT COMPANY OFFER LETTER & PREVIOUS COMPANY RELIEVING LETTER (IF 2 YEARS NOT COMPLETED IN PRESENT COMPANY)
  10. LAST ONE YEAR LOAN ACCOUNT STATEMENT FOR CURRENT LOANS (IF ANY)
  1. INDIVIDUALS IT RETURNS FOR LAST 3 YEARS WITH COMPUTATION OF INCOME
  2. AUDITED BALANCE SHEET,PROFIT&LOSS AND ASSET & LIABILITIES FOR LAST 3 YEARS (for Individuals)
  3. COPY OF CHALLANS EVIDENCING PAYMENT OF ADVANCE INCOME TAX
  4. BUSINESS ADDRESS PROOF
  5. GST REGISTRATION CERTIFICATE FOR COMPANY
  6. FORM 26AS FOR LAST 3 YEARS (for Individuals)
  7. BUSINESS PROFILE
  8. IT RETURNS OF COMPANY FOR LAST 3 YEARS
  9. CERTIFICATE OF PRACTICE (for Auditor and Doctor)
  10. LAST ONE YEAR LOAN ACCOUNT STATEMENT FOR CURRENT LOANS (IF ANY)
  1. COPY OF PARENT DOCUMENT FULL SET [MINIMUM IT SHOULD FOR LAST 30 YEARS]
  2. EC COPY FOR LAST 30 YEARS UPTO TILL DATE
  3. PATTA COPY
  4. APPROVAL PLAN COPY FOR BOTH LAND & BUILDING FROM CMDA
  5. BUILDING PERMIT & PLANNING PERMIT COPY
  6. CURRENT OWNER SALE DEED COPY
  7. SELF ESTIMATION FOR CONSTRUCTION FROM BUILDER OR LICENSED SURVEYOR
  8. SUB DIVISION PLAN APPROVED COPY (IF APPLICABLE)

 
 

1. Check home loan Affordability

2. Compare lenders (Not only for offers but also for product credibility)

3. Get Pre-Approved sanction letter from lender

4. Save for a Down Payment

5. Maintain good credit score without any default

6. Check options for the joint loan (It may reduce your monthly EMI burden & also it may give a space for additional loan eligibility in future)

1. Don’t apply for credit card or any other loan

2. Don't Miss Payments on your existing loans or credit cards

3. Don't Overextend Your Budget on property purchase based on income eligibly and down payment savings (can check this eligibility with PROPERTY GUIDE)

4. Don’t choose your lender only on the basis of rate of interest offer which was provided at that moment

5. Don’t give a break in service for more than 3 months in your job (can switch over new job without break in service)

6. Don’t pick shorter loan tenure without understanding the loan product (now a days Nationalized banks gives more benefit while choosing longer loan tenure)