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Www Homeloanhomefinancing Forex Home Loan Home Financing Szh Doc Types Of Cash Loans Php Home Loan Home Financing SBT Loans

Www Homeloanhomefinancing Forex Home Loan Home Financing Szh Doc Types Of Cash Loans Php Home Loan Home Financing

12. Papers to be submitted :

1. Application form
2. 2 passport size photographs
3. Copy of the income tax return for last 2 financial years duly acknowledged by ITO.
4. Latest salary slip showing all deductions.
5. TDS Certificate – Form 16 in the case of salaried persons
6. If property offered is an agricultural land converted as non-agricultural, copy of the relative order should be made available.
7. In the case of agriculturist a certificate of income issued by the village officer should be produced.
8. In the case of individuals engaged in trade/industry etc. wherever latest IT returns are not available, the annual income can be assessment based on the IT return for the preceding year and the last balance sheet

12. Documents to be submitted

1. Title deeds of the property proposed to be given as security.
2. Prior title deeds.
3. Latest tax receipts (both building and land)
4. Possession Certificate
5. Encumbrance certificate from the sub registrar for the last 15 years.
6. After availment of the loan, encumbrance certificate for 4 months after the date of mortgage is to be produced.

    ..

Prasanthi

A clean Demand Loan Scheme specially designed for Pensioners

1. Pensioners

   All Central Civil, Defense, Railway, Telecom, KSRTC (Kerala State Road Transport Corporation), KSEB, KWA,Kerala Agricultural University, State and Bank Pensioners
   whose pension accounts are maintained at our branches. Pension accounts include
   those accounts to which Bank acts as the Pension Disbursing Officer and those
   accounts to which pension amounts are received from DPDO.

2. Age limit  

   Should not exceed 75 years at the time of sanction of loan.

3. Eligibility and Amount of Loan

   Age of pensioner upto 60 years - A maximum of 15 months pension with a ceiling of Rs.1,50,000.

   Age of pensioner over 60 years upto 65 years - A maximum of 12 months pension with a ceiling of Rs.1,25,000.

   Age of pensioner over 65 years upto 75 years - A maximum of 10 months pension with a ceiling of Rs.1,00,000.

4. Guarantee

   The spouse/nominee for family pension eligible for family pension should guarantee the loan or any other family member or a third party worth the loan amount.

5. Margin          Nil
6. Interest       click here for interest rates 
7. Repayment   Age upto 60 years  -  54 equal monthly installments
   
                      Age above 60 years and upto 65 years - 48 equal monthly installments
                  
                      Age above 65 years and upto 70 years - 36 equal monthly installments
   
8. Security        The nominee to the pension should be a guarantor.
9. Processing charges   0.5% of the limit, Minimum Rs.20/-
10. Papers to be submitted to the Bank

    Application form and two passport size photographs.

11. Documents to be executed

..

Computer Loan

PURPOSE For purchase of home computers/PCs and other accessories like Printer/UPS etc.

Salaried and other regular income earners with a minimum of 3 years standing/ experience in their line of activity and spouses of NRIs, based on the monthly income of NRI.

AMOUNT OF LOAN  15 times of Net Monthly Income (Maximum of Rs.1,00,000)

MARGIN  20% of the cost of items purchased

INTEREST        click here for interest rates  

DISBURSEMENT  Amount of the loan will be paid directly to the seller.

REPAYMENT PERIOD  Maximum 72 months

SECURITY

Primary : Hypothecation of computer and the accessories purchased out of Bank Finance.

Collateral : a. For Loans upto Rs.50,000

1. Wherever check-off facility is available – no collateral.
2. Personal guarantee of one or more persons of sufficient worth where check off facility is not available.

b. For Loans above Rs.50,000

INSURANCE  Insurance for loans above Rs.25,000