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Documents required in Home Loan:generally the documents required to processing your loan application are almost similar across

all the banks; however they may differ with various banks depending upon specific requirement etc. Following documents are required by financial institutions to process the loan application: Age Proof Address Proof Income Proof of the applicant & co-applicant Last 6 months bank A/C statement Passport size photograph of the applicant & co-applicant In case of Salaried
Employment certificate from the employer,

Copies of pay slips for last few months and TDS certificate Latest Form 16 issued by employer Bank statements
In case of Self-employed

Copy of audited financial statements for the last 2 years Copy of partnership deed if it is a partnership firm or copy of memorandum of association and articles of association if it is a company Profit and loss account for the last few years Income tax assessment order

Home Loan Process & various steps involved


There are various steps involved in getting a Home Loan from selecting your property to filling up the loan application. Following are the various stages in Home Loan: The first step involved in the process is to find your property which is followed by the verification of property documents, post that the documents are examined & simultaneously you can start searching for the lender who can offer the BEST Home Loan Deal after checking your eligibility criteria. Know the Home Loan Eligibility : Banks offer the loan amount only after checking your profile & based on various eligibility criterias like age, income & salary banks lend you the money.

Applying for the Loan : After you have selected your lender, you have to fill in the application form wherein the lender requires complete information about your financial assets & liabilities; other personal & professional details together with the property details & its costs.

12% intrest rate...CBI

PROCESSING FEE: - 0.50 % of loan amount, maximum Rs.20, 000

loan Tenor- is a five yrs,

kyc- know your customer norms, proof of customer..

verify the document, lawyer verification, 3. civil engr, le pass verify ke liye aata hai iske bad.. frm 16govt proof threw paid the income tax, frm 60----if the person have no pan card,,,,,

interest are two type-fixed and floating intrest npa- non payment accouting..lap----loan against property,,,

mortgagesecurity,,,bank,,,,,,undivided share of land--------

hypothecation--:- any security loan.. home loan--- emi?10000-60%..........

cash credit limit------for eg.. agrawal jewelers.. stock, ware house,-----

gold coin:- Swiss bank ka purest gold coin available hota hai Bank lockersNomination, ----nominee is the most important part of the bank.. salary aane ke bad 20000fd.salary giri to fd is also fall.. standing instructionkisi bhi a/c holder dwara

indemnity act----bhar mukt.haiAn expressed or implied contract to compensate an individual for loss or damage; for example, an insurance policy . 2. indemnity bond rules and regulation.

h.w-----procedure of taking locker?.

TYPES OF ACCOUNTS : There are two types of Savings Bank accounts, viz, Cheque operated account Ordinary Non-cheque operated account