No formal earnings evidence needed
Earnings for loan quantity evaluated in line with the applicant’s cashflow
Loan designed for purchase/construction/extension of home
Loan quantity – as much as 90per cent associated with price of property (includes construction and land)
Minimal tenure – 5 years; optimum tenure – three decades
Minimal – 21 years
Optimum – 65 years during the time of readiness or retirement, whichever is early in the day
Your month-to-month disposable/surplus earnings will be looked at
For Salaried People
Application for the loan form with fresh picture
Cheque with relevant processing fees
Customer Relationship type with fresh picture
Photo ID evidence (refer document that is KYC
Target proof (refer KYC document)
Age evidence (refer KYC document)
Salary slips for last a few months
Latest PF statement
Form 16 granted by the company
Copy of ITR filed for the past 36 months
Photocopy of investments
Photocopy of life insurance coverage policies
Bank passbook copy for several bank records entries that are showing the very last six months
In the event of other loans availed (active because well as closed)
Copy of sanction page
Updated payment track
No dues in case there is shut loans
Photocopy of last monthly statement to your credit card
If you would not have regular salary slide, then wage certificate on employer’s letter head duly stamped and finalized
Copy of lease contract if present accommodation is on lease
For Self-Employed Individuals
Application for the loan form with fresh picture
Processing fees cheque as relevant
Customer Relationship type with fresh picture
Photo ID evidence (refer document that is KYC
Target proof (refer KYC document)
Age evidence (refer document that is KYC
Copy of audited/certified accounts including schedules during the last three years that are financial
Copy of ITR filed going back 3 years
Company note in Bandhan Bank’s structure along side photographs of bar or nightclub
Photocopy of investments
Photocopy of life insurance coverage policies
Bank passbook copy for many bank reports entries that are showing the very last six months
In the event of other loans availed (active because well as closed)
Copy of sanction page
Updated payment track
No dues in the event of closed loans
Photocopy of your charge card with final monthly declaration
Rent agreement of one’s bar or nightclub if on rent
Shops and Establishment licence for the commercial entity
Content of your degree/qualification that is professional certification
Partnership deed/shareholding pattern of the entity
Copy of lease contract if current accommodation is on rent
The next extra appropriate and documents that are technical also need to be supplied –
Approved arrange for the construction with estimate and layout plan and construction authorization
Copy of purchase deed/agreement to sell/construction agreement/amenities contract
Copy of ownership papers of previous owner(s)
Evidence of ownership in income records viz. home card, Form 7/1 2, Form 8-A, Form 6 etc.
In case there is Co-operative community, content of share allotment and certificate page
Latest photographs of this home
Margin money paid receipts
NA authorization from concerned authority
NOC to mortgage from concerned authority such as for instance culture, development authority etc.
All documents submitted to Bandhan Bank shall need to be self-attested. Make sure that you keep a duplicate of all of the papers submitted to Bandhan Bank.
Us the money for the bond so I contacted these guys and in a couple of minutes it was approved and within 24 hours i had the money in the bank when we were moving house no one would lend.
Approximate expense: $1200
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