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Home loan balance transfer means re-financing your current home loan.
It is a re-financing option to get the existing home loan in one bank transferred to another bank in order to avail the benefits of a lower interest rate.
|1||Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)||Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)|
|2||Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)||Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)|
|3||Latest Salary-slips for 4 months||Certificate & Proof of business existence along with Business Profile|
|4||Form 16 for last 2 years||Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant|
|5||Last 6 months Bank Statements(salary account)||Last 12 months Bank Account Statements (self & business)|
|6||Processing Fee Cheque in favour of bank.||Processing Fee Cheque in favour of bank.|
|7||Photocopy of Title Documents of the Property, Approved Plan Copy etc.||Photocopy of Title Documents of the Property, Approved Plan Copy etc.|
|8||Any other documents as requested for by the respective Financial Institution||Any other documents as requested for by the respective Financial Institution|
|9||LOD Copy||LOD Copy|
|10||18 months repayment track record||18 months repayment track record|
|10||Latest outstanding letter copy||Latest outstanding letter copy|
Just like home loan, the interest payable on home loan balance transfer/home loan refinance is also subject to tax deductions.
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