Any individual can avail the benefit of home loan to buy a new house/flat or a plot of land for constructing the house and even for renovation, extension, and repairs to an existing house from any bank and Financial Institutions.

1. Purchase of Plot and construction there on.

2. Purchase of house from builder/third party

3. Loan for construction on existing plot

4. Loan for Expansion or repair of Existing house

5. Takeover of existing home loan to another bank

6. Overdraft against existing home loan

7. Top-up against existing home loan

1. Original Sale agreement between seller and Purchaser.

2. KYC (Aadhaar, Pan) and 2 photographs of each of applicant and Seller.

3. Margin Money Proof Paid by the applicant.

4. Salary Slip of last 3 months, if salaried person.

5. ITR along with Computation of last 2 F.Y or Form-16 of last 2 Years ( For Salaried).

6. ITR along with Computation of last 3 F.Y ( For Business or Profession).

7. Bank Statement of last/latest 6 months ( salary Account).

8. Bank Statement of last 1 year ( For Business or Profession).

9. Rent agreement ( If applicant residing in rented house).

10. Utility Bill ( if residing in own house)

1. Original Title deed of Previous owner. 2. Chain of Title deed ( if Purchase or sale for more than once in last 13 years). 3. B-1 Khasra. 4. Diversion order. 5. Building Permission. 6. Latest Municipality Tax receipt

1. LTV Ratio Shall be 90 % for Loans Up to 30 Lacs and 80% for above 30 Lacs. 2. Maximum Tenure shall be for 30 years or attaining the age of 70 years. 3. Processing Fees ( 0.4% + GST). 4. EM Charges (0.1%). 5. Document Charges

Note: these above conditions may differ from bank to bank