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

  1. LAST 6 MONTHS PAY SLIP
  2. LAST 6 MONTHS BANK STATEMENT FOR SALARY CREDIT
  3. LAST 2 YEARS W2/TAX PAID CERTIFICATE AS PER THE FOREIGN COUNTRIES
  4. EMPLOYEE ID CARD
  5. CURRENT ADDRESS PROOF DRIVING LICENSE / LATEST UTILITY BILLS IN ABROAD
  6. COPY OF VALID WORK PERMIT
  7. EMPLOYMENT OFFER LETTER
  8. PASSPORT COPY WITH PAGE CONTAINING VISA STAMPING
  9. INDIAN PAN COPY
  10. AADHAR COPY / DRIVING LICENSE/ VOTER ID
  11. BRIEF WRITE-UP ON EMPLOYMENT PROFILE FOR THE LAST 10 YEARS(RESUME)
  12. CREDIT INFORMATION REPORT (CIR) FROM THE CONCERNED OVERSEAS CREDIT INFORMATION COMPANY
  13. PRESENT COMPANY OFFER LETTER AND PREVIOUS COMPANY RELIEVING LETTER (IF 2 YEARS NOT COMPLETED IN PRESENT COMPANY)
  14. 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)