Features

  • Home Loan
  • Loan against Property
  • Balance Transfer + Top Up
  • Both Fixed & Floating Rates Available
  • Best Housing Finance Company in Country Awarded by CNBC TV18
  • Housing Finance Expertise of more than 20 yrs
  • Fair & Transparent Business Practices

Special Features

  • Attractive Interest Rates
  • Tenor up to 25 years
  • Monthly Reducing Balance
  • Simple Documentation
  • Maximum Funding 85 % (up to 20 lac) & 80 % (above 20 lac)
  • Fees on prepayment : Nil if paid from own sources else 2.00% on the Amount of loan prepaid + Service Tax applicable
RATE OF INTEREST
LIC SANCTION LIST OF DOCUMENTS
SALARIED:
  1. Application form completed with 2 photograph duly filled in and signed
  2. ID Proof : PAN CARD
  3. Residence Proof : Latest Telephone bill / Bank Statement containing address for last 6 months / Electricity bill / Ration card / Letter from Employer
  4. Salary slips for last 3 months
  5. Latest Form 16
  6. Copy of Appointment Letter with Latest CTC & Confirmation Letter
  7. Original Bank Statement / Passbook of salary A/C for last 6 months (updated)
  8. Highest Qualification Proof
  9. Previous Employment details if applicant is in probation
  10. Investment Proof
  11. Processing Fees Cheque
  12. Repayment Track Record if any
SELF EMPLOYED / PROFESSIONAL:
  1. Application form completed with 2 photograph duly filled in and signed
  2. ID Proof : PAN CARD / PASSPORT / VOTER ICARD / Employer ID Card / Driving license
  3. Residence Proof : Latest Telephone bill / Bank Statement containing address for last 6 months / Electricity bill / Ration card
  4. Last 3 years ITRs ( SARAL, Computation of income, Profit & Loss A/c, Balance Sheet, TDS Certificates ( if applicable ), Tax Paid Challans
  5. In case of Partnership firm : ITRs for last 3 years and Partnership Firm
  6. In case of company : Audit Reports for last 3 years and MOA & AOA
  7. Bank Statement / Passbook of Current & SB A/C for last 6 months ( updated )
  8. Alternate Business Proof (Shop Registration Certificate Certificate etc.)
  9. Processing Fees Cheque
IN CASE OF TAKE OVER:
  1. Outstanding loan quotation
  2. Repayment Track Record
  3. List of Documents
  4. NOC for take over
  5. Copies of Property Agreement
  6. Sanction plan copy ( Blue Print )
NIR
  1. Copy of Passport, Visa, Service Contract, Salary slip ( all duly attested by Indian embassy / Notary / HFL Officials / Bank )
  2. GPA (GENERAL POWER OF ATTORNEY ) in our format ( all duly attested by Indian embassy / Notary / HFL Officials / Bank )
  3. Bank Statement for past one years of recent employment
  4. NRI Bank Statement for 6 months
  5. And see list of salaried documents

NOTE: # above mentioned income documents are required for the Co-applicant also if His/her income is considered.

PROPERTY REALATED DOCUMENTS TO BE ATTACHED
E or F or G or H whichever applicable

E) For Purchase of New Flats from Builders/ Promoters:
  1. Agreement to sale with builder and the Registration Receipts.(2 copies)
  2. Blue print of the building plan attested by the corporation/ Town Planning authority and the commencement Certificate. The applicant flat should be marked in red colour for easy identification.
  3. N.A. Permission and ULC order copy.
  4. Title investigation report for last 12 years (Search report for 12 yrs. Conducted within one year.
  5. Development Agreement and Power of Attorney / sale deed in favour of the builder.
  6. Receipts of payments made to the builder.
  7. 7/12 OR CTS extract OR Property card.
  8. NOC from builder in prescribed format.
  9. Completion Certificate, if obtained.
  10. Society documents mentioned below under (I). ( if applicable )
F) For Purchase of Resale Flat:
  1. Agreement to sale with the vendor and the Registration Receipt. (2 copies).
  2. Agreement to sale between vendor and the builder and its Registration receipt.
  3. Copy of the conveyance deed between builder and the society is registered.
  4. Receipts of payments made to the vendor.
  5. Documents 2, 3, and 4, 5, 7, 8, 9, 10, of point (E).
G) For construction / Extension / Renovation of House:
  1. Sale deed / Lease deed and its Registration.
  2. 7/12 extract and the Index II.
  3. Demarcation / Layout certification
  4. Abstract & Detailed Estimate for construction / extension prepared & certified by a Licensed Surveyor / Architect.
  5. Documents 2, 3,4,10, of point (E) above.
H) For Plots / Houses / Flats allowed by MHADA / PCNTDA / MIDC / MHB
  1. Allotment letter.
  2. NOC from the body.
  3. Additional certificate ( in PCNTDA ) cases only).
  4. Lease deed & its Registration receipts.
  5. Blue print of the sanction building plan and commencement certificate attested by the sanctioning authority.
  6. Receipts of payment made to the body.
I) In point E, F, G & H above, if the flat / house is located in a registered society, the following. Additional Documents are to be submitted:
  1. Society Registration Certificate
  2. Society Bye-laws.
  3. Share Certificate.
  4. Letter of allotment of flat / house / plot.
  5. Society NOC. (prescribed format available with our office)
In case of Builder APF or Reference
  1. Agreement to sale with builder and the Registration Receipts.
  2. Blue print of the building plan attested by the corporation/ Town Planning authority and the commencement Certificate. The applicant flat should be marked in red colour for easy identification.
  3. Receipts of payments made to the builder. If cheque Payment then Bank clearance required.
  4. NOC from builder in prescribed format.
  5. Builder Demand Letter
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