Features
• Attractive Interest Rates
• Loan up to Rs. 5 Crore
• Flexible repayment tenure up to 25 years
• Loans up to 89% of the property value
• Flexibility to pay interest only during construction period

Home Loans available for
• Purchase of Ready Property
• Self-Construction
• Purchase of Plot and Self-construction
• Transfer of your existing Loan availed from other institutions

What is the age requirement for availing Home Loans?
• The main applicant has to be 23 years of age and coapplicant should be 21 years of age when the loan is sanctioned
• Maximum age on loan maturity should not exceed 65 years

Co-borrowers to the loan can be
• All property owners
• All income considered borrowers
• In case of partnership firm – the key partner
• In case of companies – all shareholders holding 76% shares of the company.

Documents required for Salaried Individuals

• Salary slip not older than 60 days • Bank statements for last 3 months not older than 90 days • Work experience proof (required for 2 years) • Photograph for all individuals • Date of birth proof for all individuals • Signature verification proof for all individuals • Residence address proof for all individuals • Business address proof for all self-employed customers

Documents Required for Self-Employed

(Required for 2 years) • Income Tax Return • Computation of income for tax purposes • Financials (Balance Sheet / Profit and Loss Account along with all Schedules) - Attested by Chartered Accountant • Bank statements for last 3 months not older than 30 days • Business continuity proof for 3 years • Photograph for all individuals • Date of birth proof for all individuals • Identification proof for all borrowers • Signature verification proof for all individuals • Residence address proof for all individuals • Business address proof for all self-employed customers

Companies • Memorandum & Articles of Association • Certificate of Incorporation • CA certificate for list of directors and list of shareholders along with shareholding pattern

Partnership Firm • Latest partnership deed • CA certificate for list of partners along with profit sharing ratio Property Documents • Photocopies of title deeds, agreement to sell, encumbrance certificate • Approved plans and clearance certificates from authorities • Allotment letters and / or by-laws of the co-operative society / Association of apartment owners.

Know the Rate of interest charged by major banks for Home Loan.

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