Housing Loan Total Checklist..!

Here we given, Housing Loan Total Check list..!

S. SUDHANANDAN                                        LIC HOUSING FINANCE LTD.

CUSTOMER RELATIONS ASSOCIATE                 No. 80 (Old No. 108)  First Floor
                                                                                   G.N. Chetty Road,  Facing Raghavaya Road

                                                                                                               T.Nagar, Chennai – 600 017                                                                     Mobile : 98406-10575  E-mail : srisai20@ymail.com

CHECKLIST

1. Application Form duly filled and signed.

2. Latest Passport size Colour photos (Applicant 2 and Co-Applicant 2),  

3. Qualification Proof – Copy  (If Professional)

4. Identity proof:-

Original to be shown at the time of counselling

Employee ID / PAN Card / Voter ID / Passport - Copy.

5. Address proof –

Any  one of the following :-( Original to be shown at the time of counselling)

a.    Ration Card

b.    Telephone Bill

c.     Letter from employer (Bonafied certificate)

d.    Bank Statement showing current address

6.  Income Proof

(a)  If salaried :

a.    Last 3 months Pay  Slips – Original /Copy

b.    Form - 16  (Latest) with saral for last 2 years - Copy

c.     Bank statement for last 6 months reflecting salary credits.

d.    Appointment order copy with CTC

e.    Previous employment proof (if employment is <2 years)

f.     Liability details with latest 6 months bank statement and loan schedules (if any).

(b)  If Self-employed :

a.    Pan Card Copy

b.    Last 3 years Income Tax Returns with statement of income, Balance Sheet, Profit and Loss A/c, detailed Depreciation Statement and IT Challan copies

c.     Bank statement of both Applicant and firm for last 6 months.

d.    In case of partnership firm – Partnership Deed, and In case of Pvt. Ltd. Companies– Memorandum & Articles of Association (copy).

7. Self-attestation in all papers by applicant and co-applicant from Sl. No. 1-6.

8. Processing Fee Cheque or Demand Draft in favour of LIC Housing Finance Ltd.

9. Loan Repayment only through Electronic Clearing Service (ECS) duly attested by bankers.

PROPERTY DOCUMENTS :

a)  for Flat under Construction ● Sale  & Construction Agreement- Copy ● Parent Documents - Copy ● Encumbrance Certificate (for last 15     years)  - Original/Copy ● NOC Letter in LICHFL format ● Approved Plan showing Applicant flat     To be marked and signed by the builder        - Copy ● Planning permit & Proceedings-Copy ● Margin money Receipts - Original.	b)for Construction / Extension of House : ● Sale deed – Copy ●Parent documents copies & Patta - Copy ●Encumbrance Certificate for last 15 years ● Abstract Estimation/Detailed Estimation ●  Approved Building  Plan, Planning permit      & Proceedings- Original ● Latest Property Tax Receipt - Copy
c) In Case of TNHB Allotment : ● Original allotment letter ● NOC/Annexure A&B ● Receipt for margin money ● Lease cum sale agreement (LCS) ● FMB Sketch ● Approved Building Plan - Copy	d)  for Renovation / Mortgage:  - ●  Sales Deed + Parent documents - Copy ● Building plan + EC for 15 years - Copy ● Estimate for Construction / renovation     (from Valuer /Architect) ● Approved Plan & Layout copy ● Patta & Property tax receipt- Latest Copy
e) for Take Over from other Institution ● List of documents specifying the     originals and Xerox. ● Loan Repayment Track for the last 2     years. ● Latest O/s loan statement & Copy of     Sanction Letter. ● Copy of Sale deed and parent documents     copies. ● Approved Building Plan Copy. ● Latest Property Tax Receipt - Copy. ● EC for last 15 years. ● Closure proof and no dues certificate     from Bank or Financial Institution.  Note :  1.    Please take sufficient copies of all Documents / Papers / Agreements / Plan etc. before submitting the application Form. 2.    Loan amount disbursement is subject to CIBIL report, Technical and Title (Legal) Clearance. 3.    All the requirements should be neatly tagged in the same order and submitted along with application form. 4.    Please Confirm the Date  of registration to LICHFL PANEL ADVOCATE, at least 3 days in advance. 5.    Repayment through Electronic Clearing Service (ECS).	f. Composite Loan ( Plot purchase & Construction) ● Sale Agreement ● Sale deed copy & Parent document    copies ● Approved Lay Out – Copy ● Patta – Copy ● Draft Plan ● Estimation for Construction    (Abstract and detailed)

Share: