03/08/2015
list of documents required for home loan
State Bank of India
New Delhi
Mob. – 09540207666
(FOR Salaried BORROWER – SELF ATTESTED COPIES)
1. 3 passport size photographs (including those affixed in loan application)
2. Proof of identity – Electoral ID Card, Passport, Driving License, PAN Card, ID Cards of reputed employers, Govt. /Defense ID Cards, Pension payment orders issued to retired employees of State & Central government departments, Photo ID Card issued by post offices.
3. Proof of Residence – Electoral ID card, Passport, Electricity Bill, Telephone Bill, Credit card statement, Income/Wealth tax Assessment order, Letter from reputed employer, Ration card, Bank account statement, and Pension payment orders issued to retired employees of State & Central government departments.
4. Statement of all bank account(s) for last six months evidencing salary credits or business transactions
5. Original salary certificate, latest 3 months / Salary Certificate / CTC
6. TDS certificate-Form16 or copy of I.T. Returns for the last two financial years, duly acknowledged by I.T. Department for Salaried
7. Brief write up of securities charged in respect of other loans availed from our Bank/other Banks, Housing & Auto Finance Companies/other sources
8. Personal Asset and Liability Statement (WITH SAVING PRROFS)
9. (1 cheque ) Processing fee cheque in favor of “ SBI – RACPC, New Delhi”
(FOR Business man BORROWER – SELF ATTESTED COPIES)
1. 3 passport size photographs (including those affixed in loan application)
2. Proof of identity – Electoral ID Card, Passport, Driving License, PAN Card, ID Cards of reputed employers, Govt. /Defense ID Cards, Pension payment orders issued to retired employees of State & Central government departments, Photo ID Card issued by post offices.
3. Proof of Residence – Electoral ID card, Passport, Electricity Bill, Telephone Bill, Credit card statement, Income/Wealth tax Assessment order, Letter from reputed employer, Ration card, Bank account statement, and Pension payment orders issued to retired employees of State & Central government departments.
4. Three (3) years I.T. Returns duly acknowledged by I.T. Department/I.T. Assessment Orders for computation of Income
5. Copies of challans in respect of advance payment of income tax
6. Statement of all bank account(s) for last six months evidencing salary credits or business transactions
7. Proof of business address
8. Proof business firm registration
9. For loan to businessmen – Latest IT Return and latest audited balance sheet
LIST OF DOCUMENTS - For NRI / PIO Borrowers
I. Know Your Customer (KYC)
Applicant
1. 3 passport size photographs (including those affixed in loan application)
2. Copy of passport, including page containing visa stamping
3. Copy of identity card issued by employer
4. Proof of residence (driving license, utility bills, etc.)
5. Brief write up on employment profile for the last 10 years
6. Brief write up on the company/institution where employed, i.e. its constitution, activity, employee base, sales/net profit (approx.), etc.
7. Statement of overseas bank account for last six months which reflect credit of salary, savings, etc.
8. Power of Attorney, if applicable, in Bank’s standard format duly stamped and notarized/attested by Indian Embassy/Consulate
II. Income
1. Copy of valid work permit and employment contract
2. Latest salary certificate in original or proof of income in case of self employed/professionals
3. Copy of Continuous Discharge Certificate in respect of applicants employed in merchant navy
4. Income tax return for 2 years, wherever applicable
III.Other
1. HR Mail ID for Confirmation of job & residential address
2. Credit Report
Note:- All documents, photo & Signature of NRI are self attested and verified by official of the nearest overseas branch of State Bank of India. If branch is not their than all documents attested by embassy.
Property Paper
1. ALLOTMENT LETTER
2. AGREEMENT TO SELL / BUILDER – BUYER AGREEMENT
3. APPROVED MAP And All Chain of Property Documents
Page No 2
REQUIRED PAPER
TAKE OVER LOAN FORM OTHER BANK
1. Original sanction letter of financer.
2. A/C Statement of the financer for entire tenure of the loan.
3. Copy of tittel paper in the name of applicant.
4. Possession Certificate- where house is complete , and re-payment has started
5. Detail of interim security.
6. Foreclosure letter.
7. List of documents held by the financing institute.
8. Letter undertaking to issue NOC , from the current lender bank/FI.
9. Project cost will be sale +stamp paper+ prepayment panalty.
OTHER
1. Cheque for NEC/ Valution/ IT verification fee and processing fee
