No income that is formal needed
Earnings for loan quantity assessed in line with the applicant’s income
Loan designed for purchase/construction/extension of household
Loan amount – as much as 90per cent for the price of home (includes land and construction)
Minimal tenure – 5 years; optimum tenure – three decades
Minimal – 21 years
Optimum – 65 years during the right time of readiness or retirement age, whichever is earlier in the day
Your disposable/surplus that is monthly income be looked at
For Salaried People
Application for the loan form with fresh picture
Cheque with relevant processing costs
Customer Relationship type with fresh picture
Photo ID evidence (refer KYC document)
Target proof (refer document that is KYC
Age evidence (refer document that is KYC
Salary slips for last a couple of months
Latest PF statement
Form 16 given by the manager
Copy of ITR filed during the last 36 months
Photocopy of investments
Photocopy of life insurance coverage policies
Bank passbook copy for many bank records entries that are showing the very last six months
In the event of other loans availed (active as well as closed)
Copy of sanction page
Updated payment track
No dues in the event of shut loans
Photocopy of your bank card with final month-to-month declaration
If you don’t have regular wage slip, then salary certificate on employer’s letter head duly stamped and signed
Copy of lease agreement if present accommodation is on lease
For Self-Employed Individuals
Loan application form with fresh picture
Processing fees cheque as relevant
Customer Relationship type with fresh picture
Photo ID evidence (refer KYC document)
Target proof (refer document that is KYC
Age evidence (refer KYC document)
Copy of audited/certified records including schedules the past three years that are financial
Copy of ITR filed for the past 3 years
Business note in Bandhan Bank’s structure along side photographs of bar or nightclub
Photocopy of investments
Photocopy of life insurance coverage policies
Bank passbook copy for several bank records showing entries for the past half a year
In case there is other loans availed (active because well as closed)
Copy of sanction page
Updated payment track
No dues in case there is shut loans
Photocopy of your charge card with final month-to-month declaration
Rent agreement of one’s office if on lease
Shops and Establishment licence for the commercial entity
Content of your expert degree/qualification certification
Partnership deed/shareholding pattern of the entity
Copy of lease contract if current accommodation is on lease
The next extra legal and technical papers shall also have to be provided –
Approved arrange for the construction with estimate and design plan and construction authorization
Copy of purchase deed/agreement to sell/construction agreement/amenities contract
Copy of ownership papers of previous owner(s)
Proof of ownership in income records viz. home card, Form 7/1 2, Form 8-A, Form 6 etc.
In the event of Co-operative community, content of share allotment and certificate letter
Latest photographs regarding the home
Margin money compensated receipts
NA authorization from concerned authority
NOC to mortgage from concerned authority such as for instance culture, development authority etc.
All papers submitted to Bandhan Bank shall need to be self-attested. Make sure that you maintain a duplicate of all of the papers submitted to Bandhan Bank.
Us the money for the bond so I contacted these guys and in a couple of minutes it was approved and within 24 hours i had the money in the bank when we were moving house no one would lend.
Approximate expense: $1200
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