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Home Loan and LAP - Coggle Diagram

- - - - Self Employed 21- 65
  - - - KYC
        
        Income Documents
        
        Property Papers
        
        HL-House/Plot Purchase
        
        Seller KYC (Pan Card, Aadhar Card and Bank Details) with Cancelled Cheque Leaf
        
        Sale Agreement (within, Validity)
        
        Latest House Tax Receipt
        
        Approved Plan With Proceedings Letter
        
        Title Deed Documents
        
        Parent Document
        
        Layout Copy
        
        Latest EC 1986 to Till Date (Patta & Chita Adangal)
        
        HL-Construction
        
        Approval Plan and Actual Plan
        
        Layout Copy - DTCP
        
        Latest EC 1986 to Till Date
        
        Estimations with Engineer Signature
        
        Title Deed (First Document)
        
        Parent Document (Patta & Chita Adangal)
        
        LAP
        
        Latest House Tax Receipt
        
        Approved Plan With Proceedings Letter
        
        Title Deed Document
        
        Parent Document
        
        Layout Copy
        
        Latest EC 1986 to Till Date (Patta & Chita Adangal)
        
        Business Vintage Proof - RC Copy, Old SSI Copy, GST, Udayam Registration
        
        Company Pan Card
        
        ITR Full Set - P&L &B/S - Latest 3 Years
        
        Running Loan Sanction Letter or Loan Statement
        
        Login Fee Cheque
        
        Current Address Proof For Business
        
        Latest Photo (Applicant & Co- Applicant)
        
        Pan Card and Aadhar Card (Applicant & Co- Applicant)
        
        Current Address Proof (Latest Gas Bill, Latest Rental Agreement, Latest EB Bill)
        
        Relationship Proof Ration Card, Marriage Certificate, Child Birth Certificate
    - - KYC
        
        Income Documents
        
        Property Papers
        
        HL-House/Plot Purchase
        
        Seller KYC (Pan Card, Aadhar Card and Bank Details)
        
        Sale Agreement (within, Validity)
        
        Latest House Tax Receipt
        
        Approved Plan With Proceedings Letter
        
        Title Deed Documents
        
        Parent Document
        
        Layout Copy
        
        Latest EC 1986 to Till Date (Patta & Chita Adangal)
        
        HL-Construction
        
        Approval Plan
        
        Layout Copy
        
        Latest EC 1986 to Till Date
        
        Estimations with Engineer Signature
        
        Title Deed (First Document)
        
        Parent Document (Patta & Chita Adangal)
        
        LAP
        
        Latest House Tax Receipt
        
        Approved Plan With Proceedings Letter
        
        Title Deed Document
        
        Parent Document
        
        Layout Copy
        
        Latest EC 1986 to Till Date (Patta & Chita Adangal)
        
        Seller KYC (Pan Card, Aadhar Card and Bank Details)
        
        Loan Against property
        
        Latest 2 Years Form : 16 or Employee ID Card
        
        Salary Credit Bank Statement from Latest 7 Months
        
        Current Company Appointment Order Copy
        
        Previous Company Reliving Letter Copy
        
        Running Loan Sanction Letter or Loan Statement
        
        Login Fee Cheque
        
        Latest 3 Months Pay slip Or Salary Certificate - Latest 1 month
        
        Latest Photo (Applicant & Co- Applicant)
        
        Pan Card and Aadhar Card (Applicant & Co- Applicant)
        
        Current Address Proof (Latest Gas Bill, Latest Rental Agreement, Latest EB Bill)
        
        Relationship Proof Ration Card, Marriage Certificate, Child Birth Certificate
  - - - For RC Building 8.2% to 12% Interest Rate
      - For Tiled Roof House and Asbestos Roof House 13% to 16% Interest Rate
  - - - No need of ABB (Average Bank Balance)
      - Minimum 1 year Vintage
    - - Average Bank Balance
      - Minimum 2 Years business proof
  - - - SBI
      - IOB
      - Bank of Maharashtra
      - Karnataka Bank
      - Union Bank
      - LIC
      - HDFC
      - ICICI
      - Axis Bank
      - Federal Bank
      - South Indian Bank
      - KVB
      - Bandhan Bank
      - Non Banks
        
        IDFC
        
        Jan Small Finance
        
        Indus Ind Bank
        
        Ujjivan
        
        Repco Home Finance
        
        PNB
        
        Tata Capital Housing Finance
        
        Sundaram Home Finance
        
        Shriram Housing Finance
        
        Aditya Brila Housing Finance
        
        Bajaj Finance
        
        Indostar
        
        Piramal
        
        Vistaar
        
        Aadhar Housing
        
        Cholamandalam
        
        Profectus Capital
        
        Motilal
        
        Arka Fincap
        
        Hinduja
        
        India Bulls (Sammaam Capital)
        
        IKFL Home Finance
        
        India Shelter
        
        Bajaj Finserve
        
        Agrim Hfc
        
        Mahendra Home Finance
        
        SVC
        
        IIFL
        
        Mamtha Housing Finance
        
        Andromeda
        
        Fullerton
        
        Godrej Capital
        
        Equtias - HL
        
        DCB
  - - - Cibil Cases also be Doable
  - - - Valuation For Home
        
        Legal Check
        
        Processing Fee
        
        Insurance Compulsory
        
        Final Check
        
        Registration
        
        1 more item...
  - - - 0.25% to 1.00%
    - - 1.00% to 2%
  - - - 2,500Rs to 5,000 Rs
    - - Banking
        
        0.25% to 1.00%
      - Non Banking
        
        1.00% to 2.00%
    - - Must be Insured by Approved Bank
      - Insurance Based on Property Value and Loan Amount
      - Insurance Amount will Increase for Age High Category
    - - Based on Customer Salary
        
        ie : If the Salary is 30,000k and the Property Value is .30,000,000 EMI Will be Based on Salary not on the Basis of Property Value
      - Based on Customer Property Valuation
        
        ie : If the Salary is 1,00,000 Lakh and the Property Value is .30,000,000 EMI Will be Based on Salary not on the Basis of Property Value
    - - Banking
        
        Must be 20 Feet Road to 30 Feet Road
      - Non-Banking
        
        Must be 5 Feet Road to 30 Feet Road
    - - Bank to Bank Transfer
        
        Required Minimum of 1 Year EMI Must be Paid
      - Extra Top-up
        
        Required Minimum of 1 Year EMI Must be Paid
    - - Partial Disbursement
        
        House Construction Loan
        
        Stage 1 Sanction For Basement
        
        Stage 2 Sanction For Lintel Level
        
        Stage 3 Sanction For Concreting
        
        Stage 4 Sanction For Full Stage
        
        EMI Stars once the Stage 4 Disbursement is Completed
        
        EMI is Based on Customer Age and Tenure
        
        Can Pay Only the Interest Amount During the Construction Period
      - Full Disbursement
        
        For New House Purchase (Already Constructed)
        
        LAP Property (Loan against Property)
        
        Purchase of Land
        
        To Provide Advance Payment Statement (OCR)
        
        Remaining Balance Cheque for Applicant
        
        Must be DTCP Approved
    - - Government Value
      - Market Value
      - While Registration Can do With Guideline Value but can Provide Loan to the Market Value
  - - - Any hill Stations
      - Other State