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EASY HOMES |
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LOAN REQUISITES |
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As monstrous as the task of availing a Home Loan might seem, the fact is that it is very simple, if organized. |
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Every Home Loan Applications require the following supporting documents. Please provide photocopies of these. |
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PROOF OF AGE, IDENTITY AND ADDRESS: Provide photocopies of |
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Passport |
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Voter ID |
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PAN |
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Birth Certificate and |
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10 Std Certificate |
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TAX DOCUMENTS: Provide photocopies of |
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The last three years FORM 16 provided by your employers. |
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For the self employed: Provide your income tax returns with computation details for the last three years, duly certified by a chartered Accountant, besides three years profit and Loss accounts and income Tax return of your firm. |
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SALARY SLIP: Provide photocopies of |
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Pay slip of the proceeding six months. |
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If the pay slip doesn’t have your employers name and your designation, other documents like your appointment letter can be produced. |
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BANK PASS BOOK OR STATEMENT: Provide photocopies of |
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Bank statement or your passbook, giving transaction details for the last six months. (These documents indicate the amount and stability of your income, saving and spending habits, besides loan obligations.) |
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CHECK LEAVES: |
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You need check leaves handy for signing post/ dated and other payments. |
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OTHER DOCUMENTS: Please provide |
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Brochures about the company or its website address, if your company is not a popular one. |
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Details of investments (if any) to assure the lenders that you can pay the down payment and cover other costs |
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FINAL ROLL |
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THE FINAL RUN TO YOUR HOME… |
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Before you close the deal and before you begin dashing towards your home, keep in mind the following important yet overlooked items. |
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POSSESSION DATE: |
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Make sure that you are clear about the deadline of your home possession, as given to you by your builder
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RECONFIRM THE AGREEMENT |
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Get a copy of the Home Loan Agreement and verify that it has been stamped and signed by authorized signatory. |
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PHOTOCOPIES |
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Keep a photocopy of all the Documents/Letters/ Forms/Payment-receipts, related to home buying, for further reference.
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Double check, before you throw away any paper! |
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WRAP-UP THE ENDS |
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At this stage, just clear all the formalities related to utility services like electricity, water and Telephone.
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…. YOUR HOME IS YOURS |
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