6 0 Home Loan Home Financing Turbo

Www Homeloanhomefinancing Home Loan Home Financing Szh List 104 Home Loan Home Financing SBT Loans

Www Homeloanhomefinancing Home Loan Home Financing Szh List 104 Home Loan Home Financing

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INTEREST click here for interest rates

DISBURSEMENT

  1. Construction of new building

    In three stage, 30%, 40% and 30% of the loan amount. The last installment will be disbursed three or four weeks prior of the completion of the building

  2. Outright purchase 100% to the seller, after payment of the margin by the applicant.
  3. Purchase of plot and construction of the building.

The loan component for purchase of the plot will be 50% of the total project cost upto Rs.75 lac and 30% of the project cost above Rs.75 lac or 80% of the land value whichever is lower.

REPAYMENT

SECURITY

Mortgage of property by deposit of title deeds.

PROCESSING CHARGES

Limit upto Rs.25,000 - Nil

Limit above Rs.25,000 to Rs.2 lacs - 0.55% of the loan amount (Max.Rs.500/-)

Limit above Rs.2 lacs - 0.55% of the loan amount maximum Rs.10000/-

INSURANCE

Insurance is to be arranged for the total cost of building.

PAPERS TO BE SUBMITTED TO BANK

In addition to the application form(in duplicate) and two passport size photographs, the following papers are to be submitted to the Bank.

PROOF OF INCOME

In case of salaried persons:

    1. Salary certificate showing deductions.
    2. Authorisation to deduct monthly installments from the salary of employee for credit of the loan account wherever available.
  1. In the case of self employed / professional / business men.

Audited accounts and Balance Sheets/income tax assessment orders/Returns/Memo/Statements of computation of taxable income filed for the last 3 years.

DOCUMENTS TO BE SUBMITTED FOR CONSTRUCTION / IMPROVEMENT OF HOUSES

  1. A copy of the plan inclusive of site plan approved by the Corporation/ Municipality/Development Authority/Panchayat as required.
  2. A copy of the building permit issued by the Corporation/ Municipality / Panchayat as required. In areas where building permit is not required a No Objection Certificate from the authority concerned.
  3. Estimate approved by licenced Egineers/Architects approved by local bodies.
  4. Original and prior title deeds.
  5. Latest tax receipts.
  6. Possession Certificate
  7. Encumbrance certificate from the Sub Registrar for the last 15 years.
  8. Title clear certificate from the banks approved advocate.
  9. Valuation report from the banks approved valuator.
  10. An affidavit cum Undertaking from the person that he shall not violate the sanctioned plan.
  1. DOCUMENTS TO BE SUBMITTED FOR PURCHASE OF HOUSES/FLATS
  1. A copy of the agreement for sale.
  2. A copy of the Title deeds of the present owner.
  3. A copy of the land tax receipt.
  4. A copy of the building tax receipt.
  5. Encumbrance certificate from the Sub Registrar for the last 15 years.
  6. Title clear certificate from the banks approved advocate.
  7. Valuation report of the property and building from the banks approved valuator.

NOTE:

After the sale deed is executed, the original deed along with fresh encumbrance certificate and possession certificate should be submitted. For purchase of plot alone all the documents as above except the no. iv are to be submitted. After availment of the loan, encumbrance certificate for four months after the date of mortgage is to be produced.

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Home Decor Loan   To furnish houses/flats

Purpose  To purchase new household furniture, Refigerator, Electric fans, Air-conditioners, to put up wardrobes, storage facilities or any other household items.

    Eigibility 

    1. Individuals availing Housing Loans from the Bank

    2. Where a Housing loan was earlier obtained from us and the liability is still subsisting without overdues.

    3. When availing Housing Loans for taking over from other Banks/Financial institutions

    Amount

    15 % of Housing loan or Rs. 1.50 lacs whichever is less

    Repayment maximum 10 years in monthly installments.

    Interest rate  click here for interest rates

    Processing charges

    As applicable to Housing Loans

 

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Gyan Jyothi  Education Loan    

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