Check list of Mortgage Loan

1. Application Form duly filled and signed by applicant/guarantor

2. Two Passport Size Photograph of applicant/co-applicant/guarantor.

3. Bank A/c Statement for last 6 months.

4. Personal Identification Proof (Any one)

 Ø Photo Identity Card issued by present employer

 Ø Electoral I-Card

 Ø Passport

 Ø Driving License

 Ø PAN Card

 Ø Aadhar Card

5. Residential address Proof (Any one)

 Ø Electricity Bill

 Ø Telephone Bill (Land Line)

 Ø Electoral/Voters ID Card

 Ø Passport

6. For Salaried Class:

Ø  Latest salary slips for the last 3 months with break up and duly attested by the employer and countersigned by the applicant.

Ø  Income Tax Returns along with Form No. 16 for last 3 years.

7. For Agriculturists:

Ø  Income certificate from appropriate authority like Tehsildar/SDO/BDO etc

8. For Others:

Ø  Income Tax Returns for last 3 years duly acknowledged by income tax authorities.

9. For Self Employed/ Professional:

Ø  Balance sheets and profit & loss accounts of the business/profession along with copies of individual income-tax returns for the last three years, certified by a chartered accountant.

Ø  A note giving information on the nature of business /profession, form of organization, clients, suppliers etc.

                                        " Also Read : Check List For Auto Loan "

In case of NRIs:

1. Copy of the employment Contract (If the contract is in any language other than English, the same       has to be translated into English and attested by Employer / Indian Embassy).

2. For Salaried:

Ø  Certified copy of the latest salary slips for the past 6 months.

For Self Employed/ Professional:

Ø  Balance sheets and profit & loss accounts of the business/profession along with copies of individual income-tax returns for the last three years, certified by a chartered accountant.

Ø  A note giving information on the nature of business /profession, form of organization, clients, suppliers etc.

3. Copy of the Identity card issued by the current Employer.

4. Copy of latest work permit.

5. Copy of the Visa stamped on the passport.

6. NRE Bank accounts pass book or statement of account.

7. Overseas Bank Account Statement for the last 6 months.

8. Bio-data covering educational qualifications, age, job experience, nature of profession/ business

etc., with necessary proof.

9. Guarantor forms along with net worth proof / income proof.

10. Undertaking from the employer for remittance of monthly installment, wherever feasible, if

stipulated in the sanction.

11. A salary certificate / income statement duly attested by our foreign office (including subsidiary

office) or certified by the competent authority available in the country may be produced. This

may also include Chartered / Certified Accountants, officials of Inland Revenue Dept. (similar to

Income Tax Authorities in India) or any other agency specified for the purpose. Wherever

attestation is not possible, this may be submitted duly notarized.

Property Related Documents:

· Original title deeds of the property offered for mortgage along with complete chain of title deeds

· Latest maintenance, Water Tax, Municipal Tax and any other such taxes paid receipt.

· Non encumbrance letter from Co-op Society (wherever applicable)

· Permission to create Equitable Mortgage from society / Development Authorities. (wherever applicable)

· Confirmation of society that Bank‟s lien on society records is noted. (wherever applicable)

· Any other documents specified by Bank‟s panel advocate in the legal opinion/ title clearance

report.