Suraksha Home Loan

  • Loan available for purchase/construction/extension of house 

  • Formal income proof required 

  • Loan amount – up to 90% of the cost of property (includes land and construction) 

  • Minimum tenure – 5 years; maximum tenure – 30 years  

  • Minimum interest rate – 8.5% 
  • Maximum interest rate – 11.75 % 
  • Final interest rate determined as per Individual Credit Score 
     
  • Age: 

    • Minimum – 21 years 

    • Maximum – 65 years at the time of maturity or retirement age, whichever is earlier 

  • Monthly disposable/surplus income will be considered  

For Salaried Individuals 

  • Loan application form with fresh photograph 

  • Cheque with applicable processing charges  

  • Customer Relationship 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  

  • Latest PF statement 

  • Form 16 issued by your employer 

  • Copy of ITR filed for the last three years 

  • Photocopy of investments 

  • Photocopy of life insurance policies 

  • Bank passbook copy for all bank accounts showing entries for the last 6 months 

  • 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 

  • Photocopy of your credit card with last monthly statement 

  • In case you do not have regular salary slip, then salary certificate on employer’s letter head duly stamped and signed 

  • Visiting card 

  • Copy of rent agreement if present accommodation is on rent 

For Self-Employed Individuals 

  • Loan application form with fresh photograph 

  • Cheque with applicable processing charges  

  • Customer Relationship Form with fresh photograph 

  • Photo ID proof (refer KYC document) 

  • Address proof (refer KYC document) 

  • Age proof (refer KYC document) 

  • Copy of audited/certified accounts including schedules for the last three financial years 

  • Copy of ITR filed for the last three years 

  • Business note in Bandhan Bank's format along with photographs of place of business 

  • Photocopy of investments 

  • Photocopy of life insurance policies 

  • Bank passbook copy for all bank accounts showing entries for the last 6 months 

  • In case of other loans availed (live as well as closed) 

    • Copy of sanction letter 

    • Updated repayment track 

    • No dues in case of closed loans 

  • Photocopy of your credit card with last monthly statement 

  • Rent agreement of your place of business if on rent 

  • Shops and Establishment licence for your commercial entity 

  • Copy of your professional degree/qualification certificate 

  • Partnership deed/shareholding pattern of your entity 

  • Visiting card 

  • Copy of rent agreement if 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. 

  • In case of Co-operative Society, copy of share certificate and allotment letter 

  • Latest photographs of the property 

  • Margin money paid receipts 

  • NA permission from concerned authority 

  • NOC to mortgage from concerned authority such as society, development authority, etc. 

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. 

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