In this video, you’re going to get to know Home Loan Documents & Home Loan Process , It might be complicated for a lot of as
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In this video you’re going to get to know the next issues:
Today our subject of dialogue is Home Loan Documents required for salaried , self employed
In this we can be discussing
Home mortgage kaise le
What is the method of house mortgage?
What paperwork are required for house mortgage?
How a lot processing cost and different prices are required for house mortgage in India?
What are the precise steps of the method of house mortgage?
How to use for house mortgage?
What paperwork are required for house mortgage for a self-employed skilled and non-skilled applicant?
What paperwork are required for house mortgage for a salaried applicant?
How to calculate EMI of a house mortgage?
How to test your private home mortgage eligibility?
What is the method for house mortgage for beneath building property and able to transfer property?
Home Loan sanction course of relies upon upon totally different classes
1) Salaried
2) Self Employed Professional – –
3) Self Employed Non Professional
Home mortgage sanction letter additionally relies upon upon Home Loan rates of interest
Basically Home mortgage Documents are divided into two segments
1) KYC – KNOW YOUR CUSTOMERS , it consists of Identity , Address & age Proof
2) Income Documents
A) Home mortgage Documents required for Salaried Users ( Home mortgage course of – Home mortgage for first time patrons )
1) KYC
1A) Identity Proof
Pan Card , Aadhar Card , Voter ID card , Passport , Driving License and so forth]
1B) Address Proof
Utility Bill – Electricity , Telephone , Water , Postpaid invoice , Rent Agreement , Bank Statement , Letter from Employer
‘2) Income Proof
2A)Last 3/6 months wage slip
2B)Cash Salary/ No Salary Slips – Income Details on Employer Letter Head
2C)Copy of Last 6 months wage financial institution assertion
2D) Last 2 yr Form 16
Home mortgage Documents required for Self Employed Professional
1) KYC
1A) Identity Proof
Pan Card , Aadhar Card , Voter ID card , Passport , Driving License and so forth]
1B) Address Proof
Utility Bill – Electricity , Telephone , Water , Postpaid invoice , Rent Agreement , Bank Statement , Letter from Employer and so forth..
2)Income Documents
2A) Certificate of {qualifications} for skilled : CA , Architects and so forth
2B) Last 3 years Income Tax Return (ITR) with Computation of Income , P & L accounts
2C) GST Returns or TDS Certificate as relevant
2D) Last 1 yr financial institution assertion ( saving ,Current )
Home mortgage Documents required for Self Employed Non Professional
1) KYC
1A) Identity Proof
Pan Card , Aadhar Card , Voter ID card , Passport , Driving License and so forth]
1B) Address Proof
Utility Bill – Electricity , Telephone , Water , Postpaid invoice , Rent Agreement , Bank Statement , Letter from Employer
2)Income Documents –
2A) Last 3 years Income Tax Return (ITR) with Computation of Income , audited steadiness sheet ,P&L Accounts
2B) GST No. or TDS Certificate as relevant
2C) Last 1 yr financial institution assertion ( saving ,Current )
2D) Proof of enterprise existence – like invoices,License if relevant , workplace gumasta license
Bank/HFC will give Home mortgage sanction letter for
1) Salary – inside 4 -7 workings days
2) Self Employed skilled – 4-7 working days
3) Self Employed Non Professional – 7 – 12 working days
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