Have any Questions?
Personal Loan is an unsecured credit provided by financial Institutions based on some criteria like employment history, repayment capacity, income level, profession, credit history and existing liability. Personal Loan is a multi – purpose loan, which you can use to meet any of your immediate needs or emergency expenses. As personal loans are unsecured loans, so there is no needs for any type of collateral. The loan amount is repaid in small amounts in the form of “ Equated Monthly Installments ( EMI )over a period of time known as the tenure or term.
Any resident individual or Non Resident Individual who is minimum 23 years of age and stable income , can apply for Home Loan.
Home Loan starts from Rs 10 lacs and maximum loan amount can be Rs 100 cr.
Maximum loan term 30 years or up to the age of 70 years ( the age by which the loan should be fully repaid )of the borrower , whichever is early .Borrower can pay entire outstanding amount or part of the outstanding amount before term .
For Salaried
- KYC – Pan Aadhaar Photograph ( Applicant & Co – applicant )
- Income Document – Salary Slip 3 months , Form 16 , Salary Account Statement 12 months , Office ID card / Appointment letter.
For Self employed / Self Employed Professional
- KYC – Pan Aadhar Photograph ( applicant & Co – applicant )
- Last 3 years Trade licence
- Last 2 years full set of Financials and 12 months Bank Statement .
- GST Registration Certificate with 12 months return ( 3CB)
( if Co applicant have some income then Co – Applicant income document )
Property Documents
- Deed of Lease ( Mother Deed ) & Prior Deed ( Seller Deed )
- Porcha , Mutation and Tax payment receipt
- Sanction Plan