Home Loan Support

Documents Required by Banks for application of Loan Proposal

NOTE: Above mentioned income documents are required for the Co-applicant also if his / her income is considered.

For Salaried Persons
  • Application form completed with 2 photograph duly filled in and signed
  • ID Proof : PAN CARD
  • Residence Proof : Latest Telephone bill / Bank Statement containing address for last 6 months / Electricity bill / Ration card / Letter from Employer
  • Salary slips for last 3 months
  • Latest Form 16
  • Copy of Appointment Letter with Latest CTC & Confirmation Letter
  • Original Bank Statement / Passbook of salary A/C for last 6 months (updated)
  • Highest Qualification Proof
  • Previous Employment details if applicant is in probation
  • Investment Proof
  • Processing Fees Cheque
  • Repayment Track Record if any
For Self Employed / Professionals
  • Application form completed with 2 photograph duly filled in and signed
  • ID Proof : PAN CARD / PASSPORT / VOTER ICARD / Employer ID Card / Driving license
  • Residence Proof : Latest Telephone bill / Bank Statement containing address for last 6 months / Electricity bill / Ration card
  • Last 3 years ITRs ( SARAL, Computation of income, Profit & Loss A/c, Balance Sheet, TDS Certificates ( if applicable ), Tax Paid Challans
  • In case of Partnership firm : ITRs for last 3 years and Partnership Firm
  • In case of company : Audit Reports for last 3 years and MOA & AOA
  • Bank Statement / Passbook of Current & SB A/C for last 6 months ( updated )
  • Alternate Business Proof (Shop Registration Certificate Certificate etc.)
  • Processing Fees Cheque
In Case of Takeover
  • Outstanding loan quotation
  • Repayment Track Record
  • List of Documents
  • NOC for take over
  • Copies of Property Agreement
  • Sanction plan copy ( Blue Print )
NRI
  • Copy of Passport, Visa, Service Contract, Salary slip ( all duly attested by Indian embassy / Notary / HFL Officials / Bank )
  • GPA (GENERAL POWER OF ATTORNEY ) in our format ( all duly attested by Indian embassy / Notary / HFL Officials / Bank )
  • Bank Statement for past one years of recent employment
  • NRI Bank Statement for 6 months
  • And see list of salaried documents

Project Approval

"Kindly note that almost all projects of Phadke Developers & it's associated companies are approved by various banks. All you have to do is to ask for APF No of specific project (Apartment Name) & inform concerned bank."

Property related documents to be attached

E or F or G or H whichever applicable

E) For Purchase of New Flats from Builders / Promoters
  • Agreement to sale with builder and the Registration Receipts. (2 copies)
  • Blue print of the building plan attested by the corporation/ Town Planning authority and the commencement Certificate. The applicant flat should be marked in red colour for easy identification.
  • N. A. Permission and ULC order copy.
  • Title investigation report for last 12 years (Search report for 12 yrs. Conducted within one year.
  • Development Agreement and Power of Attorney / sale deed in favour of the builder.
  • Receipts of payments made to the builder.
  • 7/12 OR CTS extract OR Property card.
  • NOC from builder in prescribed format.
  • Completion Certificate, if obtained.
  • Society documents mentioned below under (I). (if applicable)
F) For Purchase of Resale Flat
  • Agreement to sale with the vendor and the Registration Receipt. (2 copies).
  • Agreement to sale between vendor and the builder and its Registration receipt.
  • Copy of the conveyance deed between builder and the society is registered.
  • Receipts of payments made to the vendor.
  • Documents 2, 3, and 4, 5, 7, 8, 9, 10 of point (E).
G) For construction / Extension / Renovation of House
  • Sale deed / Lease deed and its Registration.
  • 7/12 extract and the Index II.
  • Demarcation / Layout certification
  • Abstract & Detailed Estimate for construction / extension prepared & certified by a Licensed Surveyor / Architect.
  • Documents 2, 3, 4, 10 of point (E) above.
H) For Plots / Houses / Flats allowed by MHADA / PCNTDA / MIDC / MHB
  • Allotment letter.
  • NOC from the body.
  • Additional certificate ( in PCNTDA ) cases only.
  • Lease deed & its Registration receipts.
  • Blue print of the sanction building plan and commencement certificate attested by the sanctioning authority.
  • Receipts of payment made to the body.
I) In point E, F, G & H above, if the flat / house is located in a registered society, the following. Additional Documents are to be submitted
  • Society Registration Certificate
  • Society Bye-laws.
  • Share Certificate.
  • Letter of allotment of flat / house / plot.
  • Society NOC. (prescribed format available with our office)
In case of Builder APF or Reference
  • Agreement to sale with builder and the Registration Receipts.
  • Blue print of the building plan attested by the corporation/ Town Planning authority and the commencement Certificate. The applicant flat should be marked in red colour for easy identification.
  • Receipts of payments made to the builder. If cheque Payment then Bank clearance required.
  • NOC from builder in prescribed format.
  • Builder Demand Letter

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