• For Salaried customer 55 times of their Net Monthly Pay.
• For self employed customer 4 times of their annual income.
• 75% of purchase agreement price / construction estimate.
• Maximum Rs. 140 lakhs.
  

  
  From a, b, & c whichever is lower.

1.  FOR SALARIED CUSTOMER :
   • Applicant should be confirmed employee.
   • Applicant should be employee of any government, semi-government, muncipal corporation, muncipal council, disctrict council, taluka council co-operative firm, private firm, company.
   • No any disciplinary action shall be taken against employee or he should not be a civil criminal.
   • Consent letter should be given regarding deduction of loan installment from salary & authority letter regarding retirement benefit to be taken on record.
   • Agreement monthly deduction from salary should not be more than 65% of monthly salary.

2. FOR SELF EMPLOYED :

   • Last three years balance sheet along with profit & loss account, latest copy of acknowledgement of income tax, computation of income statement, business registration papers.
   • Last three years income tax return copy / TDS certificate.

• Maximum 20 years

• Mortgage of property to be purchased/construction of Bungalow/House.
• Two guarantors

Pre Payment Charges: nil

• In case of salaried customers salary slip, IT returns with computation of income and Form No 60.
• In case of self employed last three years profit & loss A/c, balance sheet & IT returns.
• Photographs, identy proof, age proof, photo proof, residence proof of borrower & guarantor.
• Own contribution (Margin money) receipts.
• Copies of title deeds.
• Latest 7/12, property card extract.
• Construction Estimate
• Construction permission of competent local authority / grampanchayat / muncipal council / corporation / T.P. etc.
• N.A. order of Land / Society