Welcome to Prithvi Enterprises

What is a Home Loan?

A Home Loan is finance provided by a bank or a financial institution to enable its customers to purchase or construct or improve their homes.

Documents Required - Salaried and Self-Employed

Every customer has to satisfy the Know Your Customer (KYC) norms stipulated by RBI. You have to provide the documents relating to your KYC, employment, business, and income.

Identity Proof

• PAN Card
• Driving Licence
• Passport
• Aadhar Card
• Voter ID

Address Proof

• Registered Rent agreement
• Aadhar Card
• Driving License
• Lease agreement
• Passport
• Latest Gas or electricity bill

2.Financial Documents - Employment or Business Proof

• salary slips for the last 6 months in case you are a salaried employee (In addition, you can provide IT returns for the past 3 years along with Form 16)
• IT returns for the past 3 years for self-employed persons (Some banks accept 2 years IT returns as well)
• Statement of A/c for the past 1 year where your salary is credited (in the case of salaried people)
• Profit and Loss statement and Balance sheet for the last 2 years in the case of self-employed persons
• Sales tax, GST registration certificates, if applicable
• Partnership deed in case of partnership firms (if the applicant is one of the partners or the firm itself)
• Certificate of Incorporation for limited companies(if the applicant is one of the directors or the company itself)

Other documents:

• Loan application form

Property Documents:

• Copies of all property documents that can establish the chain of ownership for the past 30 years
• Encumbrance certificate for 30 years
• Property tax paid receipt in case you reside in the property being mortgaged (usually when you apply for Home Loan Balance Transfer)

Checking your loan options does not affect your credit score

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