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Applicant Age

21 to 60 (for salaried only)
or
21 to 65 (for Self-Employed only)

Proof of Identification

PAN card (Mandatory) or Passport or Voter's card or Driving licence or Photo Identity issued by Government Agency.

Eligibility

Minimum Monthly salary Rs 10000/ (for salaried Only)
or
Minimum yearly ITR Rs.65000/- (for self-employed Only)

Proof of Resident

Latest electricity bill or Ration card or passport or bank statement or Phone Bill or Water bill or gas book or Photo Identity issued by Government Agency or register leave and license agreement.

Proof of Office

Gumasta License or sales tax certificate, Vat Certificate, Export and Import License certificate or Latest electricity bill or Phone Bill or register leave and license agreement. (Office Proof is not required for Salaried Person)

Proof of Profession Degree

Membership. No or registration proof required for doctors, architects, CA, CS, ICWA.(for salaried and self-Employed Professional only)

Proof of Income

Latest 3 Months salary slip showing all deductions, Date of Joining Proof and Last 12 months Bank Statement Reflecting all 12 month salary credited.(for Salaried Only)
or
Last 3 Years Income Tax Returns certified by a Charted accountant, 12 Month Bank Statement.(for Self-Employed only)

Property Document

  • Sale Deed, Agreement of Sale. Original Share Certificate(s) issued by the society.
  • Land and Building tax paid receipts, possession certificate, and location sketch of property certified by revenue authorities.
  • Letter of allotment from Housing Board /Society/ Private builder.
  • Original receipts regarding advance payments towards purchase of flat .
  • Non encumbrance certificate for the last 12/30 years.
  • Original of land tax paid receipt and possession certificate issued by the revenue authorities.
  • Copy of permission from Appropriate Authority and approved building plan (and also key plan / floor plan incase of purchase of flats)
  • Original NOC under ULC Act 1976.
  • Copy of the relative order in case of conversion of agricultural land.
  • Original No objection certificate from Housing Society / Builder
  • Detailed estimate of cost of construction of House
  • Letter from the Builder / Society /Housing Board intimating their account number and name of their bankers, for remittance of installments.

Other documents

  • In case of loan granted for purchase of plot of land, declaration by the borrower agreeing to construct the house withinthe stipulated period.
  • Lawyer's report as per the standard format (Bank's of Instructions)
  • Valuation report from empanelled valuer as per standard format.

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