HOME LOAN APPLICATION FORM

Application No. Branch Code Associate Code

Loan for Construction Purchase Renovation Improvement Takeover Plot Mortgage

The Branch Head / Manager
IDBI BANK LTD.

I/We request that a loan of Rs. (Rupees

only) may be granted to me against the security of mortgage of property and such other securities as may
be required by the Bank. Necessary particulars for consideration of this application are given below : APPLICANT CO-APPLICANT

INSTRUCTIONS (Please read carefully)

Please write or type in BLOCK LETTERS
All details must be filled in. If not applicable please write N. A.
In order to ensure faster processing, applicants should ensure that the application is complete
in every respect and all the required documents are submitted with this application.
Please take photocopies of all documents that are submitted to idbi bank ltd. (Including this
application form) for your personal record.
idbi bank ltd. reserves the right to reject any application at any stage without assigning any reason.

Personal and Employment Details

APPLICANT CO-APPLICANT

Name Mr. Mrs. Ms. Mr. Mrs. Ms.

First Name : First Name :
Middle Name : Middle Name :
Surname : Surname :
Relationship with applicant
Date of Birth ____/_____/______ (dd/mm/yy) Age: _____ ____/_____/______ (dd/mm/yy) Age: _____
Marital Status Single Married Other Single Married Other
Current Residental Address Same as applicant

Pin Pin
Owned Company Provided Owned Company Provided
Rented Family / Others Rented Family / Others
Phone No. (R) (Mb) (R) (Mb)
E-mail ID
No. of Direct Dependents Children Other Children Other
Qualification Graduate PostGraduate Other Graduate PostGraduate Other
Occupation Employed Professional Business Employed Professional Business
Name of Employer / Business
Office Address (Present)

Pin Pin
Office Phone No. Ext Fax Ext Fax
Designation
Department Emp. No. Emp. No.
No. of years in present service Yrs. Months Yrs. Months
Years to Retirement Yrs. Years to Retirement Yrs.
Previous Employment/Business
details (if less than two years in
current Employment / Business) Pin Code Tel Pin Code Tel
Total Work Experience
 Financial Details
APPLICANT CO-APPLICANT
INCOME VALUE VALUE
Gross Monthly Income Rs. Rs.

Net Monthly take Home Rs. Rs.

Other Income (specify sources) Rs. Rs.

Average monthly expenses Rs. Rs.

Monthly Installments you can pay Rs. Rs.

ASSETS

1. Property and other Assets Rs. Rs.

2. Motor Vehicles Rs. Rs.

3. Fixed Deposit (if any) Rs. Rs.

4. Current balance in PPF Rs. Rs.

5. Current balance in PF (Your Share) Rs. Rs.

6. Other Investments (Bonds/Securities) Rs. Rs.

7. Sum assured of LIC Policy Rs. Rs.

LIABILITIES : Name & address of Balance Balance Balance Balance Balance Balance
institution from whom loan has Outstanding Term Repayment Outstanding Term Repayment
been availed with purpose of loan (Rs.) (Months) (Rs.) (Rs.) (Months) (Rs.)

1.
2.
3.
Total Liabilities Rs. Rs.

BANK ACCOUNT DETAILS* (Preferable Salary Credit A/c. if more than one A/c.)
Name of Account Holder Name of Bank Branch Current/ Account No. (s) Operations Avg. Bal.
Address Saving A/c. for (yrs.) (Rs.)
1.
2.
3.
(If you have A/c. in IDBI Bank please furnish the details)

Funding Details
ESTIMATED REQUIREMENT OF FUNDS ESTIMATED SOURCES OF FUNDS

Cost Rs. Amount already paid Rs.

Balance amount required Rs.
Purchase price (agreement value) / Construction Cost
/ Land Cost / Extention Cost / Improvement Cost Sources for balance requirements :
(Please strike out whatever is not applicable) IDBI Bank Loan Rs.
Savings from banks Rs.
In case of Purchase, also specify,
PF refundable / non-refundable Rs.
Registration Cost Rs.
Disposal of investments / assets Rs.
Stamp Duty Rs.
Other (specify) Rs.

Total Funds Required Rs. Total Rs.

 Details of Credit Cards
Applicant Co-applicant
Name of the Issuer Credit Card Number / C.C. Limit Credit Card Number / C.C. Limit
1.
2.

Loan Details

Loan amount sought : Rs.

Term of Loan : Years

Payment Method (Please select the mode of repayment convenient to you)

PDC Deduction from Salary Standing Instructions

Details of Property (to be purchased / constructed / extended / improved)

Property address Area of Land

Area of Flat

Property Type Freehold Leasehold

Pin Ownership Type Sole Joint
Nearest Landmark Present Owner

Stage of Construction Completed Under Construction Proposed Owners Name :

If under construction : Expected date of possession Name 1 :

Percentage of work completed Name 2 :

Details of Guarantor

Name of Guarantor : Mr. Mrs. Ms. Guarantor Employer/Business Details

Name
Address Address

Pin Pin
Gross Income P.A. :

Details of References
Reference 1 Reference 2

Name Name

Address Address

Pin Pin

Occupation Occupation

Tel. No. Tel. No.

Mobile No. Mobile No.

 Declaration:
I/We declare that all the particulars and information given in the application form are true, correct and complete and updated
in all respects and I/We have not withheld any information and that they shall form the basis of any loan on idbi bank ltd. may
decide to grant me/us. I/We confirm that there are no insolvency proceedings against me/us nor have I/We ever been
adjudicated insolvent and further confirm that I/We have read the brochure, terms and conditions applicable to this loan and
understood the contents. I/We understand and agree that the processing fees and administrative fees are non refundable and
my/our application being rejected by the Company for any reason whatsoever, or the same being withdrawn by me, I/We shall
not be entitled for refund of the same either in part or in full. I am/We are aware that the repayments are by way of Equated
Monthly Installments (EMIs) comprising principal and interest and are calculated on the basis of monthly interests. I/We also
undertake to authorise my/our employer(s) to deduct EMIs from my/our salary and remit the same to idbi bank ltd. directly
every month. I/We also undertake to inform idbi bank ltd. regarding change in my/our occupation/employment and to provide
any further information that the company may require. I/We further agree that my/our loan shall be governed by the terms and
conditions of idbi bank ltd. that are in force and may be amended by the company from time to time. I/We shall not hold idbi
bank ltd. responsible for the quality of construction, delay in completion of construction, change in specifications and delivery
of the property for which the loan is applied for. I/We further agree that the Company in its sole discretion may reject my
application without providing any reasons, and that I/We reserve no right to appeal against this decision of the company. I/We
confirm having read the terms and conditions governing the loans from idbi bank ltd. I am/We are applying for a loan to
acquire the property for own use and not for speculative purpose. I am/We are citizen(s) of India. I/We shall advise you in
writing of any change in my/our resident status.
I/We have read, understood and acknowledge and agree that idbi bank ltd. may refer my/our name to credit referencing
agency/ies and/or make such references and enquiries as the company may consider necessary. I/We hereby authorize to
disclose such information relating to my/our credit facility to such parties as deemed necessary at the sole discretion of the
Company. Further, I/We have read, understood, acknowledge and agree that a request and demand from any authority under
the statutory law will be mandatorily complied with by the company.

Credit facility applied for Rs.________________.

Rate of Interest-__________% p.a. Fixed or Floating
Manner of Charging Interest (Monthly/Quarterly/H.yrly/Annual rest)
Additional & Penal interest rates________________% p.a.
Processing Fees & Other Charges Rs. _____________.
Signature of Applicant Signature of Co-applicant
Pre payment options available. Nil if paid from own
sources else 2% of Loan Outstanding if paid from other loan. Date: / / Date: / /

List of Documents Required (Personal) :

Salaried Individuals Professionals Businessmen

Age Proof school leaving certificate Same Same

(Any one document) passport, driving license
votes card, birth certificate
LIC policy
Identity Proof photograph and any one of the following : Same Same
passport, driving license
pan card
photocredit card (with embossed signature) &
last two months statements
bankers sign verification

Address Proof passport/telephone bill/electricity bill/title deed of Same Same

IDBI Bank/Home Loan Applications/PH/10-03

property/rental agreement/driving license/election

id card/photo credit card (with last 2 month statements)
Income Proof last 1 years Form - 16/IT returns for last 2 years last 2 years Profit & Same
supported by Loss A/C and Balance
Sheet with all Schedules
appointment letter / employer certificate /
latest salary slip

Banking history last 6 months bank statements Same Same

POWER OF ATTORNEY

KNOW YE ALL MEN BY THESE PRESENTS THAT

I/we________________________________________________-DO HEREBY APPOINT
AND CONSTITUTE-mr/mrs-
________________________________________________________________-
son/daughter of___________________________________(hereinafter
called"ATTORNEY" who has subscroibed his/her signature hereunder in
token of identifoication) and at present residing
at______________________________________________________________________
________________________________________________________________________
-to be my lawful attorney and to do any one or all of the following
acts,deeds and things,namely:

1 To apply for a loans under the various schemes of the IDBI BANK
LIMITED (the "bank")as also any further or additional loans to the bank
for such amount as the attorney may deem fit and for that purpose to pay
the upfront proceesinbg and other charges sign the loan applications in
my name on my behalf ant to furnish all details and information required
by the bank and to give letter,clarification or any other writing
required or necessary for availing of the said loans from the bank and
from time to time to follow up the said loan applications and do such
other things and deeds as may be necessary in relation thereto

2 To accept the loan sanction letters and sign the acceptances thereof
in of my acceptance of the terms and conditions therin contained and to
pay on my behalf any other charges in respect of the said loans

3 To receive the disbursement of the said loans and for that part
purpose give effectual discharge and give all the necessarinformation
and documents to assistthe technical and legal apparisal of the
property/ies purchased with the help of the loan/s

4 To mortgages any property/ies he/she purchase on my behalf or which

io might hav e purchased (whether with or without the Banks financial
assitance)with the bank and for said purpose deposit the title deeds
pertaining to the said property with the bank as security for the
repayment of the loans granted /to be granted /by the Bank to me.

5 He/She is further authorised to make any other statements necessary

to create equitable mortgage by deposit of title deeds and also to
execute any writing, undertaking,indeminities,etc on my behalf in
respect of mortgage of the the said property/ies

6 He/She is also authorised to execute promissory notes ,tri-patite

agreement or such other documents as may be required by the Bank in
respect of the said loan/s

7 To accept any change or modification in the loan amount/s rate/s of

interest, period of repayment of loan/s or any other terms and and
conditions in relation to the loan/s at any time or from time to time

8 He/She is also authorised to pledge with the Bank any share

certificates, debentures,bonds,unit issued by Unit Trust of india,
National Saving Certificates, fixed deposits or any other security owned
by me in favour of the Bank by way of security for the said loans and to
said any documents, transfer forms or papers that may be required by the
Bank in accordance therewith.
9 To acknowledge my liability/debt in respect of the loan/s.

10 To book a flat/s residentials units on my behalf either directly or

through the agency of the Bank and to execute agreement/s for sale for
the same with builder/seller and make payments to him therefore and to
present agreemant for registration before the appropriate registrar /sub
registrar of assurance or any other authority at any place or places in
India as may be necessary.,

11 To admit execution of the agreement/s for sale before the said

Registrar/Sub registrar of assurance or any other authority as any
required for the purpose.

12 To obtain possesion of the flat/s/unit/s as and when the same is

ready for occupation.

13 To receive loan/s and all other documents including title documents

on my behalf from the bank and execute receipt/s therefor.

14 To sign forms and documents required and papers required for the
purpose of registration of co-operative housing society or limited
company or an association of apartment owners and become member therof
participating in all the meetings and proceedings from time to time ,
obtain share certificates and or other documents issued in my name and
hold the same as my Attorney and obtain possesion of the flat/s

15 To open and /or operate Bank account in any Bank in India in my name
both residents as well as non -resident.The account may be operated in
India currency or foreign currency or foreign currency to be remitted
by me time to time.

16 To delegate all or any of the powers granted herein to any sub-agent

or substituted agent,including delegating these powers to the Bank

He /She is authorised to do all such acts ,deeds and things including

signing any papers/documents as are necessary and incidental to the
above AND that any act or statement or writing of may said attorney in
pursuance hereto shall be deemed to be fuully authorised aqnd ratified
by me.

Dated at--MUMBAI--------------------------------------------------------
-this the_______TH day of________________2005.

Specimen signature of Attorney

signature

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