9008133998

9964563600

Benefits

Attractive interest rates on a monthly reducing basis.
Choice from fixed and floating interest rates

Documents

Personal details documents

Residential


If salaried applicant, you should have been abroad for a minimum period of 1 year.

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benefits for home loans

Attractive interest rates on a monthly reducing basis.

Choice from fixed and floating interest rates

Part–prepayment facility for zero fees.

Free personal accident insurance to the extent of loan outstanding

Doorstep service in India till disbursement.

Residential Status

1) For Salaried- Loan tenure up to 10 years, minimum qualification to be Graduate/ Diploma.
2) Loan tenure between 11 to 15 years, for Middle east minimum qualification is Post Graduate/ professional degree.
3) Loan tenure 11 to 15 years, for USA and all other countries minimum qualification is Graduate/ Diploma with minimum 3 years of employment abroad/ professional degree with min 1 year of employment abroad.
4) For Self-Employed- SSC or it's equivalent.
5) Maximum tenure: Maximum tenure for Home Loan and Home Improvement Loan is 20 yrs / Maximum tenure for Land loan and Home equity loan-Residential is 10 yrs. No Office Premises Loan is allowed.

Documents

Personal Details Documents

Financial details documents: for salaried individuals

  • Copy of current appointment letter OR Copy of salary certificate clearly mentioning the date of joining, current salary earned and designation held in the company
  • Copy of previous appointment letters.
  • Last 3 months salary slip for fixed salary and last 4 months for variable salary.
  • Last 6 months bank statements clearly mentioning salary credits in the account

Financial details documents: for self employed individuals

  • Incorporation of business
  • Income Proof -
    • Middle East: Last 2 years audited/C.A certified P&L accounts.
    • US & Canada: Last 2 years CPA compiled/reviewed/audited P&L accounts
    • Others: Last 2 years C.A or equivalent certified/audited P&L accounts.
  • Partnership deed (in case of a partnership firm)
  • MOA & AOA of the company (in case of a private ltd. company)
  • Last 6 months bank statements in the company's name
  • Last 6 months bank statements in individual's name
  • Business profile and office address proof

NRI Personal Guarantor documents.

If you have opted for a NRI Personal Guarantor on your loan, arrange to send the following documents

  • Passport & visa copies of the NRI Guarantor
  • Current overseas address verification proof of the NRI Guarantor. (Driving license or bank statement showing overseas address or latest insurance premium receipt or utility bill)
  • Current income documents of guarantor

Note

Co-applicant's income can be considered for enhancing your loan eligibility or increasing your loan amount. Please ensure that all financial documents of co-applicant(s) are attached with your India Home Loan Application. In case, you have opted to not consider your co-applicant's income for loan eligibility, you may send across the for your blood relative(s) / spouse coming in as co-applicant(s).

In case there is no co-applicant, an NRI Guarantor is required compulsorily along with his / her identity and address proof.

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