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Current Home loan Interest Rates

8.65% - 9.00%

Documents Requirements For Salaried / Individuals:

  • Pass port size photos-5.
  • Pan Card (Compulsory).
  • Residential &Permanent Address proof (Passport/Telephone Bill/Aadhaar Card/Employer Letter/DL/RC).
  • Appointment Letter – Present employment –photocopy.
  • Previous employment service letter- (ONLY If 5 years service not completed in the present company).
  • Salary Certificate / Pay slips latest 3 months-Original.
  • Form No.16/ITR with annexure- latest 2 years -Photo copy.
  • Bank A/c Statements for the last 6 months which reflects credit of salary, savings etc.
  • Existing Loan account statement of latest 6 months along with the sanction letter- if any.
  • Investments: like LIC, FD, MF, land/house/shop Property tax paid receipt and any savings -Photo Copies.
  • 8 signed Cheque leaves (2 cheques for bank processing fee as mentioned below (SBI Cheques only) and 6 security cheques from any local bank).
  • Saving Bank Account (SB) is mandatory for loan borrowers.
  • Above mentioned all income papers should be self attested by the applicant.
  • Detailed Estimation (Only for House Construction).

Documents Requirements For NRI (U. A. E.) & other Counties:

  • Pass port size photos-6 (2 for account opening).
  • Pan card (Mandatory) – Photo copy.
  • Passport (Photo copy of all stamped pages).
  • Permanent Address proof (Passport/telephone bill / Aadhaar Card/DL/RC/Election ID – Photo copy.
  • Residence Permit ID/Emirates ID & Employer Id/Work Permit -Photo copy.
  • Overseas Residential Address Proof (utility bill/Rent agreement/Employer Letter etc).
  • Job Contract copy/Offer letter/Appointment letter- Photo copy.
  • Salary Certificate - original ( With Company’s Seal & HR’s Sign).
  • Previous company service letter- Photocopy (If 5 years service not completed in the present employment).
  • Latest Pay Slips – 3 months – original( With Company’s Seal & HR’s Sign).
  • Latest 6 months Bank A/c Statements of overseas which reflects credit of salary- original .
  • Local bank account statement -latest 6 months original.
  • Existing Loan account statement-latest 6 months along with sanction letter (If any).
  • Investments: like LIC, FD, MF, land/house/shop Property tax paid receipt and any savings -Photo Copies.
  • 8 signed Cheque leaves (2 cheques for bank processing fee as mentioned below (SBI Cheques only) and 6 security cheques from any local bank).
  • Detailed Estimation (Only for House Construction).
  • NRE and NRO account is mandatory for loan borrowers.
  • Above mentioned all income papers should be self attested by the applicant.
  • Power of Attorney duly signed by the applicants in the Bank Standard Format and attested by the Embassy/Notary Govt. of India.
  • 2 photos, ID proof and Address proof of power of attorney holder.

Documents Requirements For Business Income:

  • Pass port size photos-5.
  • Pan Card copy.
  • Residential & Permanent Address proof (Passport/Telephone Bill/Aadhaar Card/Tax paid receipt) - Photo copy.
  • Office address proof (telephone bill/Rent agreement/tax paid receipt) Photo copy.
  • Valid Trade License.
  • IT Returns –latest 3 years with annexure Individual.
  • Bank A/c Statement latest 6 months- Individual.
  • IT returns 2 years with annexure-Firm/Company (If any).
  • Bank account statement latest 6 months- Firm/Company (If any).
  • Existing Loan account statement-latest 6 months along with sanction letter (If any loans).
  • Investments: like LIC, FD, MF, land/house/shop Property tax paid receipt and any savings -Photo Copies (for scoring).
  • 8 signed Cheque leaves (2 cheques for bank processing fee as mentioned below and 6 security cheques from any local bank).
  • Detailed Estimation (Only for House Construction).
  • Saving Bank Account (SB) is mandatory for loan borrowers.
  • Above mentioned all income papers should be self attested by the applicant.

Eligibility:

  • Minimum Age: 18 years
  • Maximum Age:
    • Salaried: Upto 60 years
    • Non-Salaried: Up-to 70 years
  • Loan Tenure: up to 30 years.