HOME LOAN SERVICE
Everyone has a dream of their own home sweet home. BRITSI can help you right from applying home loan application to disbursal throughout loan process in various Bank/NBFC. HomeLoans offers a host of benefits and features to cater to your needs of buying your dream home. You can avail loan amount from a plethora of Banks/NBFC’s available in PAN INDIA. You can avail this free service by us whenever you are in need. This service is free of cost to our customers across PAN INDIA. BRITSI has expertise in managing Home Loan applications through our banking partners in India.
ELIGIBILITY CRITERIA FOR HOME LOAN APPLICATION:
- Indian resident with CIBIL score above 700
- Should have steady income through job or registered business
- Should have income above 25000 per month.
- Should have AADAHR and PAN card along with address proof.
- Should have property identified with all valid documents of that property.
DOCUMENTS REQUIRED FOR PROCESSING HOME LOAN APPLICATION:
- AADHAR Card, PAN Card, Address Proof (DL/PP/etc.) of applicant.
- Employer Identity Card, Offer Letter, Appointment Letter in case of applicant is salaried professional.
- Passport Size Photographs in COLOR.
- Income proof (Salary Slip) in case of salaried professional.
- Property papers stating permission for construction, wherever applicable.
- Sales Deed Agreement/Allotment Letter/ Stamped Duty Agreement.
- Share certificate/Maintenance Bill/Electricity Bill/Property Tax Receipt.
- Approved Plan Copy/Registered Development Agreement/Conveyance Deed
- Payment receipts of bank account statement demonstrating payments to builder/seller.
- Business proof (TL/SL/GUMASTA/GST/MSME/CIN/PAN) in case of self-employed professional.
- Banking statement of last 1 year of applicant in case of salaried professional.
- Banking statement of last 1 year of applicant and business in case of self-employed professional.
- ITR of last 3 years in case of applicant is self-employed professional.
- FORM-16 of last 2 years in case of applicant is salaried professional.
- Balance Sheet Profit & Loss Statement of last 3 years in case of applicant is self-employed.
- Loan Account Statements if any actively running in name of applicant
- Credit card statements if any actively running in name of applicant.
- NOC (No Objection Certificates) or Closing Letters for loan(s)/credit card(s) which are active/closed as of date.
BANK/NBFC PROCESS OF PERSONAL HOME APPLICATION:
- Customer will provide all required documents and details.
- Company will prepare and submit Loan application with customer documents and details.
- Bank/NBFC will process customer application to validate details and documents.
- Application will be passed on to credit evaluation team post documents validation.
- Customer will be notified about final decision of their respective Loan application.
