Now fulfil your dream to own a house. Avail our home loan at attractive interest rate for construction of dwelling house or purchase of ready build house/Flat/Bungalow etc. Home Loan Scheme is designed just so you can get that perfect home you always wanted, at a price that you can afford.
Benefits:
- Loan Limit : is maximum UptoRs. 40.00 Lacs.
- Repayment :
i. Maximum 240 months subject to age up to 60 years or till the retirement age if salaried whichever is earlier.
ii. In case of Takeover loan Maximum repayment tenure till residual tenure of earlier sanction or actual whichever is less.
- No Pre-payment Penalty.
- Rate of Interest: is Applicable as per interest rate modifying from time to time.
- Service Charges: are Applicable from time to time.
- Margin: is Applicable from time to time.
Eligibility:
Get Housing Loans from Samata Co-op Dev. Bank-
- For Salaried Persons :
- i. Employees of reputed and financially sound organization.
ii. Minimum Gross take home salary of INR.15,000/- per month.
- i. Employees of reputed and financially sound organization.
- For businessmen & Professionals :
- Business should have establishment of minimum of 3 years.
- Co-Applicant :
- Co-Owners of dwelling unit must be taken as Co-applicant.
Spouse /parents of the applicant other than Co-owners can be taken as Co-applicant.
- Co-Owners of dwelling unit must be taken as Co-applicant.
Documents:
- Duly filled form with :
- Income Proof of Applicant(s) & Guarantor(s)
ii. Residential Proof of Applicant(s) & Guarantor(s)
iii. Property Documents
iv. PAN Card of Applicant(s) & Guarantor(s)
v. KYC of Applicant(s) & Guarantor(s)
- Income Proof of Applicant(s) & Guarantor(s)
- Prime Security: Dwelling Unit/s under construction/ready possession to be purchased.
- One Acceptable Guarantor and Security holders to be also taken as guarantor.
- Other Charges : Credit Bureau Enquiry, CERSAI, Filing Mortgage, Insurance of property, Legal charges etc.(Valuation, Sanction Confirmation if applicable)
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