Left Menu
Su-awas Home Loan
Su-awas Micro Home Loan
-
Exclusively for micro banking borrowers
-
Offered to construct ‘pakka’ or ‘semi-pakka’ houses
-
Available for both salaried and non-salaried individual
**Obtaining insurance offered by the bank is non-mandatory for availing any EEB loan product.
- Minimum interest rate – 12%
- Maximum interest rate – 14%
- Final interest rate will be decided as per Individual Credit Score
Click here for Mean Interest Rate.
- Existing micro banking borrowers who have completed minimum 1 cycle of loan
For Salaried Individuals
-
Loan application form with fresh photograph
-
Photo ID proof (refer KYC document)
-
Address proof (refer KYC document)
-
Age proof (refer KYC document)
-
Salary slips for last 3 months
-
Form 16 issued by your employer
-
Copy of ITR filed for the last three years
-
Bank passbook copy for all bank accounts showing entries for at least the last 6 months including Salary Account
-
In case of other loans availed (active as well as closed)
-
Copy of sanction letter
-
Updated repayment track
-
No dues in case of closed loans
-
-
In case of non-availability of regular salary slip, a salary certificate on the employer’s letterhead duly stamped and signed is required
-
Copy of rent agreement if the present accommodation is on rent
For Self-Employed Individuals
-
Loan application form with fresh photograph
-
Photo ID proof (refer KYC document)
-
Address proof (refer KYC document)
-
Age proof (refer KYC document)
-
Any one of the below 3 documents:
-
Cash Flow statement and last 1 year’s ITR/income statement/verification by local authorities such as Panchayat or Municipality
-
Last 2 year’s ITR with income computation of both years – in case the eligibility will be calculated based on ITR income
-
Self-declared income statement as per the Bank’s format – in case the monthly income of the individual, self-employed customer is less than or equal to ₹25,000
-
-
Bank passbook copy for all bank accounts showing entries for at least the last 6 months including Salary account
-
In case of other loans availed (active as well as closed)
-
Copy of sanction letter
-
Updated repayment track
-
No dues in case of closed loans
-
-
Rent agreement of your place of business if on rent
-
Copy of rent agreement if the present accommodation is on rent
The following additional legal and technical documents shall also have to be provided -
-
Approved plan for the construction with estimate and layout plan and construction permission
-
Copy of sale deed/agreement to sell/construction agreement/amenities agreement
-
Copy of ownership documents of previous owner(s)
-
Proof of ownership in revenue records viz. property card, Form 7/1 2, Form 8-A, Form 6 etc.
-
Latest photographs of the property
-
Margin money paid receipts in case of purchase of property.
-
Non-agricultural permission from concerned authority
All documents submitted to Bandhan Bank shall have to be self-attested. Ensure that you maintain a copy of all documents submitted to Bandhan Bank.