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CITIBANK HOME LOAN APPLICATION FORM Please tell us about yourself (Applicant)
Name of the Applicant (Please leave one space between each name) Mr./Mrs./Ms./M/s: Date of Birth/ Incorporation: PAN No.: Education: Current Residential Address: City: Telephone: e-mail ID: Permanent Address
(If different from above)
First Name Middle Name Last Name
Graduate
Post-graduate
Professional
City: Telephone: Your current residence: Preferred Mailing Address: Owned Residence Rented Permanent Address Company Provided Office Community In accordance with requirements prescribed vide Circulars dated 05-07-2007 & 03-09- 2007 issued by the RBI, request you to kindly provide the following information as may be applicable to you: Not Applicable for Companies Use additional sheet and provide information for all partners Sikh Muslim Others Christian Zoroastrian Buddhist
PIN: Are you the Property Owner for the property offered as collateral: New property Category
Yes
No
sc
ST Others
Hindu
*Mfg Enterprise - Investments in Plant & Machinery Service Enterprise - Investments in Equipment
City: Telephone: Employee No: Extn.: No. of years with current employer Fax: Number of years at previous organisation/s:
PIN:
Retirement Age
Salaried
Gross Annual Salary (Rs.) Other Income (p.a.)
Self employed
Gross receipt from Business/Profession (Rs.) Net profit from Business/Profession (Rs.) Other Income (p.a.)
City: Telephone: Your current residence: Relationship with main applicant: Owned Rented Company provided
PIN:
Are you the Property Owner for the property offered as collateral:
Yes
No
Community In accordance with requirements prescribed vide Circulars dated 05-07-2007 & 03-09- 2007 issued by the RBI, request you to kindly provide the following information as may be applicable to you: Not Applicable for Companies Use additional sheet and provide information for all partners Sikh Muslim Others Christian Zoroastrian Buddhist
Category
sc
ST Others
Hindu
*Mfg Enterprise - Investments in Plant & Machinery Service Enterprise - Investments in Equipment
City: Telephone: Employee No: Extn.: No. of years with current employer Fax: Number of years at previous organisation/s:
PIN:
Retirement Age
Salaried
Gross Annual Salary (Rs.) Other Income (p.a.)
Self employed
Gross receipt from Business/Profession (Rs.) Net profit from Business/Profession (Rs.) Other Income (p.a.)
Optional Features
Developer Under Construction Loan takeover from another bank Self Construction Loan
Property Power Loan Home Loan Top-up Loan takeover from another bank with enhancement Additional Information for CitiHome Loans
Loan Details
Term Loan
Credit Line
% p.a.
% p.a.
% p.a.
Application Fee*
Booking Fee+
Annual Fee**
Interest Rate on the loan shall be benchmarked with the Reference Rate. Home Loans are referenced to Home Loan Reference Rate (HLRR) whereas Cash out loans (Property Power, Home Loan Top-up, Home Loan Takeover Enhancements) are referenced to Property Power Reference Rate (PPRR). The Reference Rate is calculated interalia on the basis of the Base Rate as notified by the Bank from time to time . * Up to 1% of the total loan amount. The fee is collected towards processing of your application and is collected upfront irrespective of whether the loan is sanctioned. This is non refundable under all the circumstances. Payments to be made by cheque / draft favoring Citibank N.A. Application Fee A/c +Up to 1% of the loan amount sanctioned. This fee is at the time of loan documentation. ** An annual fee is charged in the case of loans with CitiHome One Facility and Property Power Loans with Home Credit Facility on every anniversary of the Loan. For CitiHome One loans, the annual fee is charged at the rate of 1% on the sanctioned credit line and in case of Property Power Loans with Home Credit Facility, the annual fee is charged at the rate of 1% on the loan outstanding as increased by the line amount
I/ We, hereby declare that I/ We will use our savings/ personal funds to meet the balance requirement net of the loan amount sanctioned
End use of the loan cannot be towards any speculative or anti social or illegal or unproductive purpose
City: UDS/Land Area Area: Rate per sq. ft.: Land Ownership: Expected date of possession: For developer Under construction cases: Freehold Leasehold Property completion status: Built-up Area Current
PIN: Proposed
Under construction
* Kindly attach additional sheets, if required. ++ Incase loan has been taken from employer kindly mention employer name.
Name: Telephone:
Statement on Email
These facilities are currently free of cost and will be sent only to the main applicant. Please provide a valid E-mail ID / Mobile Number. Incase of any change, kindly intimate us about your new E-mail ID / Mobile Number. Citibank reserves the right to, at its sole discretion, with prior intimation to the customer, charge fees for provision of these services. Kindly refer to the loan agreement for Terms and Conditions.
Co-applicant
Signature
Photograph of Applicant Please paste recent passport-sized colour photograph here and sign across the photograph Please do not use pins, tape, staples on the photograph.
Photograph of Co-Applicant
Signature of the Applicant
Please paste recent passport-sized colour photograph here and sign across the photograph Please do not use pins, tape, staples on the photograph.
Date:
: ` 3000/-
Renewal Fee p.a. : ` 3000/Mailing Address: Current Residential Address Office Address Yes, I wish to avail this option
*In lieu of physical statement/advice for Credit Card and Banking Products. You will receive mandatory alerts pertaining to your product.
: ` 3000/-
Renewal Fee p.a. : ` 3000/Mailing Address: Current Residential Address Office Address Yes, I wish to avail this option
*In lieu of physical statement/advice for Credit Card and Banking Products. You will receive mandatory alerts pertaining to your product.
Declaration
I understand that the credit card application processing with commence only post successful booking of your Mortgage Loan and may take up to 15 days. I have read and understood the Citibank Credit Card authorization. I hereby undertake to be bound by the Cardmember Terms and Conditions available on the Citibank website and the Most Important Terms and Conditions (MITC) shared along with the card application; along with any amendments/revisions thereto as may be in force from time to time and that my usage of the credit card shall also confirm such acceptance. I further understand and agree that Citibank shall process my application only after the booking of Mortgage Loan. In case the same is not approved or is withdrawn by me, my Citibank Credit Card application will not be processed. Signature of Applicant: Signature of Co-Applicant:
(only if applied for a credit card)
Name DSA
Code
SE RM In case of Branch / Suvidha / Unified Sales Force referral please provide Branch Name: Referral RM Employee Code: Alps Reference Number: Referral RM Name :
Dear Customer,
For Loan Sanction
Documentation Requirements
Thank you for choosing Citibank Home Loans and giving us the opportunity to serve you.
Salaried Customers - Latest Salary slip not more than 60 days old - Latest Form 16 or ITR - Proof of total work experience (2 years for Home Loans and 3 years for cash out loans) - Bank Statement for last 3 months
You now have more than one reason to choose Citibank Home Loans as they come with unmatched features* such as:
Self Employed Customers - Income Tax Returns and Financial Statements including Balance Sheet, Profit & Loss Account, Schedules. These documents are to be certified by a Chartered Accountant. (Required for 2 years for Home Loans and 3 years for all cash out loans) - Business Continuity proof for 3 years. - For Partnership Firms: Latest partnership deed - For Companies: Latest Memorandum & Articles of Association CA certificate on list of directors / partners with their shareholding / profit sharing ratio. - Bank Statement for last 3 months (Required for 6 months for Income Estimation cases)
Proof of Document Identity Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Valid Passport MAPIN Card Voter ID Card PAN Card Valid Driving License Valid Identity card issued by Govt. Org., PSU, Statutory/ Regulatory Auth., Recognized Professional Bodies such as ICAI, ICWAI, ICSI, Bar Council, Indian Medical Association, established under the central or state statutes, members of trade bodies and trade councils. Birth Certificate School Leaving Certificate Banker Certificate Utility Bills (electricity, telephone bills,) not older by 3 months Ration Card Lease deed, Rental Agreement, Property registration document in the name of customer Bank Account Statement on Banks letter head not more than 3 months old Y Y Y Y Y Signature Address Y Date of Birth Y
balance.
No co-borrowers/guarantors required.
credit facility that allows you to save while you borrow by parking your surplus funds.
our insurance partners that help protect your loved ones from the loan liability and protect your dream property.
queries.
Warm Regards
Title documents pertaining to your property
Citibank
All documents submitted must be self attested as True Copy The application will be processed within 15 days on a best effort basis, on receipt of all the required documents mentioned above. The document requirements given above are indicative and Citibank reserves the right to request further documents, if required. This document is not to be construed as a commitment from Citibank, either express or implied. Terms and conditions as mentioned in the Loan Agreement will apply. For Loan Disbursement After the loan has been sanctioned, you will execute the loan agreement, and provide us with Repayment instructions and Original Property Documents to avail disbursal from your loan.
* Terms & Conditions Apply. All loans at the sole discretion of Citibank N.A.
Acknowledgment Slip
We have received a cheque / draft no.___________________ for Rs._____________________ drawn on __________________________________________ towards the application fee payable.
For any queries / issues related to services provided by Citibank or it's outsourced service providers write to us at indiaservice@citicorp.com
Schedule of Charges applicable for Citibank Home Loans from June 07, 2012 (For Latest schedule of charges refer our website www.citibank.com/india)
Home Loans Same as Home Loans Cash out Loans (Property Power / Home Loan Takeover Enhancement / Home Loan Top-ups)
Description
Interest Rate
Interest Interest
Rate on your loan will be the rate as applicable at the time of signing the loan agreement. for the month will be charged on the last day of the month basis loan outstanding on daily basis for actual number of days in a month.
Interest Rate on your loan is linked to Home Loan Reference Rate (HLRR). In the event of change in HLRR, the borrower shall be notified the revised interest
within 30 days of the revised interest rate becoming applicable on the loan.
Interest Rate on your loan is linked to Property Power Reference Rate (PPRR). In the event of change in PPRR, the borrower shall be notified the revised interest rate applicable on their loan within 30 days of the revised interest rate becoming applicable on the loan.
Re-pricing Frequency
In the event of change in reference rate, the interest rate on your loan will be reset on a monthly basis. The reset date will be 1st day of every month.
Application Fee*
of your loan application and is collected upfront irrespective of whether your loan has been sanctioned. This is non refundable under all circumstances. Payments to be made by cheque/draft only favoring Citibank N.A. Application Fee Account Same as Home Loans and is non refundable under all circumstances. Same as Home Loans
Booking Fee*
Up to 1% of the Loan amount sanctioned. The fee is collected at the time of loan documentation
Re-pricing Fee*
Re-pricing Fee will be charged at the rate of 2% on loan outstanding. At the request of the borrower, Citibank at its sole discretion may permit the borrower for repricing of the loan. Same as Home Loans
Penal Interest
Penal Interest is levied in case of non-payment of the monthly payment. It is charged at the rate of 2% above the prevailing Interest Rate on the loan outstanding for the defaulted period.
Nil
Nil for part prepayments less than 25% of the sanctioned Loan amount in a financial year (i.e April 1st to March 31st). In the event the loan is closed within 12 months of the part prepayment date, the part prepayment will also be subject to foreclosure charges. For part prepayments more than 25% of the sanctioned amount in a financial year, charges will be levied at the rate of 4% for the first 3 years and 2% thereafter. Foreclosure charges are levied at the time of pre-closure of the loan at the rate of 4% for the first 3 years and 2% thereafter Foreclosure charges is payable on Loan outstanding at the time of loan closure. All partial pre-payments made during the last 12 months prior to loan closure as reduced by such amount prepaid in respect of which Prepayment Charge has already been levied and paid by the borrower Undisbursed portion of the loan.
Foreclosure charges*
NIL Foreclosure charges for variable rate Home Loans only. For Fixed Rate loans, foreclosure charges are levied at the time of pre-closure of the loan at the rate of 2% Foreclosure charges, if applicable, are payable on Loan outstanding at the time of loan closure. All partial pre-payments made during the last 12 months prior to loan closure as reduced by such amount prepaid in respect of which Prepayment Charge has already been levied and paid by the borrower Undisbursed portion of the loan.
Additional Charges as applicable for Home Credit Loans Applicable only in case of Property Power Loans availed with Home Credit Facility. The annual Home Credit fee is charged at the rate of 1% of the Loan Outstanding (as increased by the Line) on each anniversary of the loan. The line amount will also be taken in to consideration for calculation of Foreclosure charges
NA
Foreclosure charges*
NIL
Threshold amount
Balances in excess of threshold amount subject to a maximum of loan outstanding will be transferred to your loan account for the purpose of calculation of interest. Threshold amount is subject to change from time to time and changes will be intimated from time-to-time. The current applicable threshold amount is Rs. 100,000/-. Additional Charges as applicable for CitiHome One Loans Same as Home Loans Same as Home Loans
Interest Rate
Differential Interest rates are applicable for the Term Loan component and the Credit Line Component of the Loan.
Applicable only on the Credit Line Component. This fee is charged up to 1% of the Sanctioned Credit Line on each anniversary of the loan.
Foreclosure charges*
NIL
For CitiHome One Loans, Pre-closure charges at the rates mentioned above is levied on Loan outstanding (Outstanding amount on Term Loan & Credit Line) at the time of loan closure. All partial pre-payments made during the last 12 months prior to loan closure as reduced by such amount prepaid in respect of which Prepayment Charge has already been levied and paid by the borrower. Undisbursed portion of the Term loan. Unutilized portion of the Credit Line
* - Service Tax, other government taxes and levies as applicable will be levied on all fees and charges.