Gharka Banker

Loan amount	Cash Back
Up to Rs.25 lac	2500
25 lac to 50 lac	5000
50 lac to 1 cr.	10000
1 cr.& 2 cr.	20000
2cr. to 3 cr.	30000
3cr. to 4 cr.	40000
4cr. & above	50000

Home Loan - Apply for Home Loans Online With Ease- www.gharkabanker.com

HOME LOAN

Home Loan

Loan amount up to 100% of Agreement value

Loan amount up to 90% of agreement value

Nil prepayment Charges.

Nil Processing Fee in Selected Banks

Do & Donts Of Home Loan

Give all credit information as required in the application form

Fill up the application form yourself

Spend 5 minutes to go through the sanction letter once before loan disbursement

Please check the Rate of interest.

Check wheather the Rate of Interest is Floating or fixed.

Keep a copy of sanction letter for future reference

Do not hide any credit information. This will make your loan processing faster.

List of documents

Salaried	Self employed	Professionals
Application form along with photograph.	Application form along with photograph.	Application form along with photograph.
Salary slip	3 years ITR	3 years ITR
Appointment letter	Business profile	Individual profile
Form-16	Current account statement	Current account statement
Salary Account Statement	Saving a/c statement	Saving a/c statement
Relieving Letter	License for running business	Professional Qualification proof
Address proof	3 years P/L account & balance sheet	3 years P/L account & balance sheet.
ID Proof	Address proof	Address proof
Signature Proof	ID Proof	ID Proof
	Signature Proof	Signature Proof

Documents to be checked before buying a home

Purchasing from Builder	Resale Purchase
Commencement certificate(CC)	Occupancy Certificate(OC)
Approved building plan	Previous sale agreements
Development agreement	Share Certificate
Occupancy Certificate(OC)	Society registration certificate.
Non Agriculture (NA) Order	Water & Property tax bill.
Urban Land Cealing (ULC) Order	Speak to society office bearer before purchasing
Sale agreement(SA)
Please check the Carpet area mentioned in SA	-

Home Loan Process Flow Chart: Process time 7 to 14 days

Apply for home loan.

Step 1

(3 TO 5 Days)

• CIBIL Report

• Income documents verification

• Residence verificationn

• Office verification

• Property Valuation.

• Legal & search of property documents

Step 2

(1 to 2 Days)

• Personal discussion with Customer (1 t0 2 Days)

• Final loan eligibility calculation

• List of additional documents required is communicated

Step 3

( 1 to 3days)

• Submission of additional documents.

• Loan sanctioned

Step 4

(1 to 3 days)

• Sanction condition complied.

• Loan agreement execution.

• Submission of original property documents.(1 to 3 days)

Step 5

Loan disbursed.

1 day

Website Maintained By : W3SERVICES INFOTECH