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For construction, purchase / repair / renovation / alteration of a house or for purchase of a plot for the construction of a house.
- ELIGIBLE GROUP
All Resident / Non-Resident Indians with a regular monthly income
Spouses of Non-Residents, who are residents and receiving regular monthly income.
Salaried persons, self employed businessmen, professionals and agriculturists, who have regular monthly income and who have a minimum of three years of standing / experience in their line of activity.
The age should be such that the borrower is able to close the account before he attains the age of 70.
- LOAN ELIGIBILITY
Individual’s Over 18 years of age with steady source of income .
- MARGIN AMOUNT
upto 15% to 20% This may vary as per R.B.I norms
- LOAN DISBURSEMENT
As per the construction / bank loan agreement. The loan will be disbursed as per the construction stages.
Maximum 30 years .
Mortgage of property by deposit of title deeds.
- PROCESSING CHARGES
This may vary as per bank norms.
Insurance is to be arranged for the total cost of building.
- PAPERS TO BE SUBMITTED TO BANK
PROOF OF INCOME
In case of salaried persons:
- Salary certificate showing deductions.
- Authorisation to deduct monthly installments from the salary of employee for credit of the loan account
In the case of self employed / professional / business men.
Audited accounts and Balance Sheets/income tax assessment orders/Returns/Memo/Statements of computation of taxable income filed for the last 3 years.
NOTE: After the sale deed is executed, the original deed along with fresh encumbrance certificate and possession certificate should be submitted. After availing the loan, encumbrance certificate for four months after the date of mortgage is to be produced.
- FINANCIAL ASSISTANCE
A home of your own need not be a Farfetched reality. With the uptrend in the home loan segment, availing housing loans has become easier with minimal procedures. Haritha Homes shall assist in availing loans from leading financial institutions with your minimal involvement (subject to the conditions specified by the institutions).