Mortgage Loan List Of Documents For Self-Employed (Partnership Firm)
I) Mortgage Loan Documents Required For Sanction Process
1) Pan card copy of all partners.
2) Company pan card copy along with stamp & director signature.
3) Copy of residence proof (passport/electricity bill & Aadhaar card copy).
4) Copy of office proof (electricity bill/telephone bill) of partnership firm.
5) Latest passport size color photograph of all partners.
1) 3 years latest ITR copy of the applicant including saral Copy, computation of income, Balance Sheet, P&L account, Capital Account – CA certified with membership no.
2) 3 years latest ITR of all partners including saral copy, computation of income, Balance Sheet, P&L account, Capital Account – CA certified with membership no.
3) Latest 12 months bank account statement of all partners.
4) 18 months updated account statements of the partnership firm of all current accounts.
5) Latest 3 years Form no-26 AS.
6) Latest 1year Copy of GST returns – 3B form.
7) Tax Audit Report (Form 3CB & 3CD) (42 Points).
8) Debtors & Creditors statement aging for 1 year-CA certified.
9) For rental income receivable- if any:
a) Copy of registered rental agreement.
b) Latest 1year bank account statement reflecting the rental credit.
1) True certified copy of partnership deed.
2) Business/company profile on the letter head of the company.
3) Business proof – GST registration, Ghumastha or Copy of Aadhar Udoyg.
4) Copy of contract letter (if any).
5) If applicant partner is:
- Chartered Account (CA) – Copy of COP & passing certificate.
- Doctor – Copy of Degree Certificate.
6) Details of all existing loans along with the sanction letters of the applicant (for calculating loan obligation).
7) Details of all existing loans along with the sanction letters of the partnership firm (for calculating loan obligation).
8) Processing fees cheque in favor of the Bank/NBFC.
9) Bank’s mortgage form duly signed by applicant and co-applicant/partner/company.
II List of Documents Required for Property’s Legal & Technical
1) Prior chain of agreement.
2) Copy of index 2.
3) OC/CC + approved plan copy.
4) Share certificate.
5) Copy of society registration.
6) Latest copy of property tax receipt.
7) Latest copy of property maintenance bill.
III Documents For Mortgage Loan Disbursement
1) Disbursement kit duly signed by the applicant & Co-applicant.
2) Original copy of prior chain of agreement with stamp duty & registration paid along with the copy of index 2.
3) Occupation Certificate copy.
4) Original share certificate (if issued).
5) Society Registration Copy.
6) NOC from Builder (if society is not formed) / NOC from Society – if society is formed (signed by society chairman & secretary).
7) Latest copy of property tax receipt.
8) Copy of Mortgage Intimation.
9) Facility agreement duly franked and signed.
10) 7- Security mandate cheque in favor of the Bank.
11) Administration Fees –clearance by cheque or DD-demand draft.
12) For CIDCO/MHADA Property
- Copy of conveyance deed & Original NOC & transfer letter from CIDCO/ MHADA if conveyance deed is executed.
- Copy of tri-party agreement & lease agreement – if conveyance deed is not executed.
13) Any other documents as per:
- Credit Manager’s requirement.
- Property Legal report.
- Sanction condition on sanction letter.
14) If applicant partner owns < than 51% stake in the company:
a) All partners & the partnership firm to be co-applicant in loan.
b) Financials of all partners & the partnership firm is mandatory.
IV Additional Documents Required For Mortgage Loan Balance Transfer
1) LOD (list of documents) from the existing bank.
2) 12/18 months repayment track record.
3) Outstanding letter copy from the existing loan bank.
4) Original copy of LOD & Outstanding letter to be submitted for loan disbursement.
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