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HOUSING LOAN AGREEMENT

HOUSING LOAN AGREEMENT

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HOUSING LOAN AGREEMENT
HOUSING LOAN AGREEMENT

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Published by: givamathan on Mar 18, 2014
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03/18/2014

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H$amaZm_{ H{$ é[ _

|
Amdmg F$U H$amaZm_m (ì`oï`m| H{$ obE)

HOUSING LOAN AGREEMENT (For Individuals)

_m{ha bJmB© OmEJr

To be stamped as an agreement

`h H$amaZm_m AmO oXZm§H$ H$m /H$s [wÌ/[wÌr/[ËZr

_hrZm Am`w

201

H$m{ 1 lr/lr_Vr df© oZdmgr

2 lr/lr_Vr Am`w df© oZdmgr

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_| oH$`m J`m h¡ Om{ BgH{$ AmJ{ CYmaH$Vm© H$hbmEJm/Jr oOgH{$ A§VJ©V EH$ Va\$ CgH$m/

H$s H$mZyZr CÎmamoYH$mar; àoVoZoY; àemgH$ h¡ Am¡a Xygar Va\$ H{$Zam ]¢H$; ]¢qH$J H§$[Zr (C[H«$_m| H$m AO©Z Am¡a A§VaU) AoYoZ`_ 1970 H{$ AYrZ JoR>V EH$ oZJo_V oZH$m` h¡ oOgH$m àYmZ H$m`m© b ` 112, O`Mm_amO{ Ý Ð am{ S >, ]| J by a - 560 002, [a h¡ Am¡ a oOgH$s emIm

[a pñWV h¡ AÝ` MrOm| H{$ Abmdm BgH{$ AmJ{ "]¢H$' H$hbmEJm oOgH{$ A§VJ©V BgH{$ AQ>mZu; CÎmamoYH$mar emo_b h¡ H{$ ]rM oH$`m J`m$&

THIS AGREEMENT made at .............................................. on this ...................................................................... day of ....................................20............ between 1. Shri/Smt ....................................................................... ................................................................. son/daughter/wife of .................................................................. .................................................................. aged ............................... years residing at ................................. .......................................................................................................................................................... 2. Shri/Smt ........................................................................................................................................... ............................................................. son/daughter/wife of .................................................................. .................................................................... aged ............................ years residing at ................................... .......................................................................................................................................................... hereinafter called the "Borrower/s", which expression shall wherever the context so admits mean and include his/her/their heirs, executors, administrators, assigns and legal representatives OF THE ONE PART and CANARA BANK, a body corporate, constituted under the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970, having its Head Office at 112, Jayachamarajendra Road, Bangalore-560002 and among others, a branch at .............................................................. hereinafter called the ‘BANK’ which expression shall, wherever the context so admits or requires, mean and include its attorney, successors and assigns, OF THE OTHER PART;
O]oH$ CYmaH$Vm© A[Z{ Amd{XZ H{$ AZwgma (1) CYmaH$Vm© H$s ^yo_ [a nahm`er _H$mZ H{$ oZ_m©U (2) EH$ ZB© Amdmgr` BH$mB© àmá H$aZ{ AWdm (3) AbJ g{ oX`{ JE/oXE OmZ{ dmb{ ã`m{am| H{$ AZwgma CYmaH$Vm© H{$ A[Z{ _H$mZ H$s _aå_V H$aZ{ Om{ pñWV h¡$(`hm± ^yo_/^dZ H$m [yam ã`m{am X{)$ H{$ à`m{OZ h{Vw AoYH$V_ é[E (eãXm| _|) H$s YZamoe H$m Amdmg F U àmá H$aZ{ H$m/H$s BÀNw>H$ h¡$&

WHEREAS the Borrower/s is/are desirous of availing a housing loan upto a maximum amount of Rs................................... (Rupees......................................................................................................................................................) as per his/her/their application for the purposes of 1. Construction of a residential house on land belonging to the Borrower, 2. Acquiring a new housing unit or 3. Carrying out repairs as per details separately given/to be given to the house owned by the Borrower/s situated at .......................................................................................................................................................... .......................................................................................................................................................... (here give complete details of land/building)

..... on production of bills/vouchers for materials/work completed and pay directly to the borrower or the contractor upon the contractors bills being submitted by the borrower duly verified and countersigned by him and any such payment duly made shall be binding on the borrower/s or make a lumpsum disbursement................... as margin for the loan in the manner required by the Bank before availing loan.... 6) *""CYmaH$Vm© H$m{ ã`mO H$m ^wJVmZ _mogH$/oV_mhr/N>• _mhr MH«$doY©V AmYma Xa g{ AoYH$ % H$aZm hm{Jm Am¡a ImV{ _| e{f amoe [a E{gm ã`mO [naH$obV Am¡a à^mnaV oH$`m OmZm h¡ Am¡a BgH$m ^wJVmZ ha _mh/oV_mhr/N>• _mhr _| oH$`m OmZm h¡$& `oX ã`mO H$m ^wJVmZ Zht oH$`m J`m Vm{ E{g{ e{f Am¡a E{g{ AmZwH«$o_H$ e{f [a dh ImV{ H{$ _ybYZ e{f ]H$m`m H{$ gmW MH«$doY©V hm{ OmEJm$& dmñVodH$ CYma Xa H$s ^maVr` naµOd© ]¢H$ H{$ oXemoZX}em| H{$ AZwgma Am¡a CYmaH$Vm© H{$ odÎmr`Z _| oH$gr àH$ma H{$ [nadV©Z H{$ H$maU g_`g_` [a g_rjm H$s OmEJr Am¡a Bg_| o^ÞVm AmEJr$& AmYma Xa _| g_`-g_` [a [nadV©Z AmE§J{$& ]¢H$ Ûmam A[Z{ d{]gmBQ> Am¡a ]¢H$/emIm H{$ Zm{oQ>g ]m{S>© [a AoYgyoMV AmYma Xa H$m{ AmYma Xa _| [nadV©Z H{$ g§X^© _| CYmaH$Vm© H{$ Ü`mZ _| bm`m OmZm h¡$& * C[I§S> 6 ApñWa ã`mO Xa h{Vw bmJy h¡ C[I§S> 7 pñWa ã`mO Xa h{Vw bmJy h¡. 3) ñdrH¥$oV [Ì H{$ AZwgma ]¢H$..................... Bg H$amaZm_{ H{$ A§VJ©V X{` H$m{B© ^r IM© AZwgyMr _| CpëboIV gå[oÎm H{$ ]§YH$/à^ma H{$ Ûmam àmá oH$`m OmEJm Am¡a ]¢H$ H$m{ ]§YH$/àoV^yoV XñVmd{O H{$ àH$ma H$m oZU©` H$aZ{ H$m AoYH$ma hm{Jm. àË`{H$ _hrZm/oV_mhr/AY©-df©/df© H{$ Cgr oXZ H$m{ `m CgH{$ [yd© H$s OmEJr$& The Borrower/s agree/s to repay the housing loan to the Bank by ...... ............ (Rs...M....... 5) é[`{ àoV oH$ñV H{$ ê$[ _| g _m oH$/ g_mZ _mogH$/Ì¡_mogH$/AY©-dmof©H$/dmof©H$ oH$ñVm| _| ]¢H$ H$m{ Amdmg F$U H$s MwH$m¡Vr H$aZ{ h{Vw CYmaH$Vm© gh_V h¡$& Bg àH$ma [hbr oH$ñV H$s AXm`Jr H$m{ `m CgH{$ [yd© H$s OmEJr Am¡a VV²[íMmV² ]mX H$s oH$ñVm| H$s AXm`Jr O¡gm ^r _m_bm hm{...................................... Strike off which is not applicable ........2 A] `h H$amaZm_m oZåZoboIV H$m gmjr h¡$& NOW THIS AGREEMENT WITNESSETH 1) ]¢H$ CYmaH$Vm© H$m{ _H$mZ IarXZ{/_H$mZ H$m oZ_m©U H$aZ{/_H$mZ H$s _aå_V H$aZ{ H{$ à`m{OZ h{Vw é[E H$s AoYH$V_ YZamoe ñdrH¥$V H$aZ{ H$m{ gh_V h¡... to the persons entitled in the presence of the Registrar in case of outright purchase of house.... Om{ bmJy Zht h¡ H$mQ> X| $& Clause 6 is applicable for Floating ROI.. interest. E............. `h A[{jm H$s Om gH$Vr h¡ VWm CYmaH$Vm© VXZwgma ]§Y H$/ àoV^yoV XñVmd{Om| H$m{ oZî[moXV H$aZ{ H$m{ ]mÜ` hm{Jm Am¡a ]¢H$ Ûmam A[{ojV E{gr g§[moíd©H$ àoV^yoV àñVwV H$aZ{ H$m{ gh_V hm{Jm$& The Bank is agreeable to grant a housing loan to the Borrower/s upto a maximum amount of Rs........... CYmaH$Vm© Bg ]mV g{ gh_V h¡ Am¡a dMZ X{Vm h¡ oH$ F$U H$s _yb amoe ã`mO................................. gm_J«r dmCMa/H$m`© [yam oH$E OmZ{ H{$ obE ]rOH$/o]bm| H{$ àñVwV H$aZ{ [a _H$mZ H{$ oZ_m©U h{Vw MaUm| _| F$U amoe gË`mo[V/àoV hñVmjnaV ]rOH$m| H{$ àñVwV oH$`{ OmZ{ [a CYmaH$Vm© AWdm R>{H{$Xma H$m{ grY{ ^wJVmZ H$a gH$Vm h¡ Am¡a odoYdV ê$[ g{ oH$`m J`m E{gm H$m{B© ^wJVmZ CYmaH$Vm© [a ]mÜ`H$mar hm{Jm AWdm ]Zm-]Zm`m _H$mZ IarXZ{ H{$ _m_b{ _| aoOñQ­>ma H$s C[pñWoV _| AoYH¥$V ì`oº$`m| H$m{ EH$ _wíV g§odVaU H$a gH$Vm h¡$& The Bank may as per the sanction letter disburse the loan amount in stages for construction of the house............... the first of such instalments shall be paid on or before ................. 2) CYmaH$Vm© F$U àmá H$aZ{ g{ [hb{ ]¢H$ Ûmam A[{ojV T>§J g{ F$U H{$ obE gr_mÝV H{$ ê$[ _| é[E H$s YZamoe O_m H$aZ{ H$m dMZ X{Vm h¡$& The Borrower/s undertake/s to deposit a sum of Rs................................................................. the type of mortgage/security documents it may desire and the borrower/s shall be bound to execute the mortgage/security documents accordingly and agree/s to create such security as required by the Bank... any charge due under this agreement shall be secured by mortgage/charge of the property described in the schedule and Bank shall have the right to decide.................................. 4) CYmaH$Vm© ]¢H$ Ûmam A[{ojV ê$[ _| oZYm©naV g§[oÎm H{$ _aå_V/oZ_m©U H{$ g§]§Y _| AZw_moZV bmJV H{$ ã`m{a{ ]¢H$ H$m{ àñVwV H$a{Jm$& The Borrower shall furnish to the Bank in respect of the schedule property full details of the repairs/construction together with details of the estimated cost thereof in the form required by the Bank.) for the purpose of acquisition of house/construction of house/carrying out of repairs of house belonging to the Borrower for the aforesaid consideration........I........... Clause 7 is applicable for Fixed ROI......... and thereafter the subsequent instalments on or before the same day of each month/quarter/half year/year as the case may be... each.................. the Borrower/s agree/s and undertakes that the principal sum of the loan..../equal monthly/ quarterly/half yearly/yearly instalments of Rs....

11) CYmaH$Vm© dMZ X{Vm h¡ oH$ ]¢H$ A[Z{ odd{H$ [a CYmaH$Vm©/Am| /gh-Am^mar/Jma§Q>a/]§YH$H$Vm© g{ àmá ^wJVmZ H$m odoZ`m{OZ H$a{$& The Borrower/s undertake that the Bank shall have the right to appropriate the payments received from the Borrower/s / Co-obligant / Guarantor / Mortgagor at its sole discretion....... at any time with the amount of instalment.. charges..3 ]¢H$ H{$ àYmZ H$m`m©b` H{$ oZX{e H{$ Ûmam g_`-g_` [a ã`mO Xa _| ]¶T>m¡Îmar H{$ gmW oH$gr ^r [nadV©Z H{$ obE ]¢H$ Ûmam Omar oH$`{ OmZ{ g{ Zm{oQ>g CYmaH$Vm© EVÛmam Ny>Q> X{Vm h¡$&'' "The Borrower shall pay interest at ... 8) CYmaH$Vm© EVX²Ûmam odoZoX©ï> ê$[ g{ gh_V h¡ oH$ ]¢H$ H{$ àYmZ H$m`m©b` H{$ oZX}em| H{$ AZwgma g_`-g_` [a H$s OmZ{dmbr d¥oÕ gohV ã`mO _| [nadV©Z H$s Zm{oQ>g _| CgH{$ Ûmam Ny>Q> Xr Om`{Jr$& AmJ{.. 9) gh_V eVm~ H{$ AZwê$[ oH$gr ^r àg§odXm/oH$ñV H$s AXm`Jr _| `m amoe H$m oZ`_ `m em{YZ H$aZ{ _| CYmaH$Vm© MyH$ OmZ{ [a.. The Base Rate notified by the Bank on its Website and notice board of the Bank/branch shall be conclusive notice to the borrower in respect of change of Base Rate..... AZwf§oJH$ IMm~ Am¡a H$_reZ AmoX ^r X{Zm hm{Jm$& The Borrower/s shall also pay usual Bank charges....% per annum on the amount so prepaid by him/her/them... Base Rate shall be subject to change from time to time......... ã`mO........ ..... he/she/they shall be liable to pay prepayment penalty at the rate of .... commitment charges..% above ongoing Base rate compounded monthly/quarterly/half yearly and such interest shall be calculated and charged on the Balance in the account and payable every month/ quarter/half year.... commission etc.... expenses incurred as per the rules of the Bank without any further reference to him/them and undertake(s) to provide sufficient balance in his/their account/s. àoV df© 2% H$s Xa [a `m Bg Vah MyH$Z{ H$s VmarI g{ O¡gm _m_bm hm{ g§[yU© ê$[ g{ amoe H$m oZ`_Z `m em{YZ gwoZpíMV oH$E OmZ{ VH$ AoJ«_ amoe [a à^mnaV ã`mO H$s Xa g{ Á`mXm ]¢H$ Ûmam odoZYm©naV E{g{ AÝ` Xam| [a AoVX{` XÊS>-Xa/àoV]ÕVm à^ma H$aZ{ H$m{ CYmaH$Vm© ]mÜ` hm{Jm$& In the event of borrowers default in any of the covenants/payment of any one instalment or in regularising or in clearing the amount as per the terms agreed upon the borrower shall be liable to pay interest at overdue penal rate/commitment charges of 2% per annum or such other rates as may be prescribed by the Bank above the rate of interest charged on the advance from the date or such default till regularising or clearing the amount in full as the case may be.. costs. The Borrower hereby specifically waives serving notice by the Bank for any variation in interest rate including enhancement from time to time as may be directed by the Head Office of the Bank... as may be debited to the borrower’s account from time to time in accordance with the usages and practices of the Bank.." 7) CYmaH$Vm© Bgg{ ^r gh_V h¡/h¢ oH$ `oX _§Oyar H{$ g_` [a odoZYm©naV AdoY H{$ [yd© F$U H$s [yd©-AXm`Jr/odoZ_`-ì`dñWm CgH{$ Ûmam/ CZH{$ Ûmam H$s OmEJr. dMZ]ÕVm à^mam|... If interest is not paid. 10) CYmaH$Vm© EVX²Ûmam ]¢H$ oH$ñV H$s amoe.. interest...... He/she/they further agree/s that such variation in the rate of interest notified in the notice board in the bank premises shall be sufficient notice to him/her/them and that he/she/they agree/s to pay interest at the rate notified in the notice Board of the Bank from time to time until all dues are cleared in full. Vm{ CgH{$/CZH{$ Ûmam Bg Vah [yd©àXV aH$_ [a O¡gm ^r _m_bm hm{ _mogH$/Ì¡_mogH$/AY© dmof©H$ AmYma [a MH«$d¥oÕV hm{V{ hþE % à d H$s Xa [a [yd©-AXm`Jr X§S> H$m ^wJVmZ H$aZ{ H$m{ dh/d{ ]mÜ` hm{Jm/hm|J{$& The borrower/s also agree/s that in case he/she/they prepay/s the loan/swap before the period stipulated at the time of sanction. incidentals..... The actual lending rate is subject to review and variation from time to time as per RBI guidelines and due to any changes in the financials of the borrower... on such balance and on such successive balances. CYmaH$Vm© H$m{ ]¢H$ H{$ àMbZm| Am¡a àWmAm| H{$ AZwgma g_`-g_` [a CYmaH$Vm© H{$ ImV{ _| Zm_{ S>mb{ OmZ{ dmb{ gm_mÝ` ]¢H$ à^mam|. à^ma bmJV `m oH$`{ hþE IM© H$s amoe gohV VWm ]¢H$ H{$ oZ`_m| H{$ AZwgma Cg{/CÝh| H$m{B© Am¡a g§X^© oXE o]Zm oH$gr ^r g_` CgH{$/CZH{$ ] ]¡/Mm Im g§ ImVm| _| [`m©á amoe C[bãY aIZ{ H$m dMZ X{Vm h¡/X{Vr h¡/X{V{ h¢$& _| Zm_{ S>mbZ{ H$m àmoYH$ma X{Vm h¡ VWm CgH{$/CZH{$ The Borrower/s hereby authorise the Bank to debit his/her/their SB/Current Account No.. dh Bgg{ ^r gh_V h¡ oH$ ]¢H$ H{$ [naga _| [«Xoe©V Zm{oQ>g ]m{S>© [a AoYgyoMV ã`mO H$s Xa _| E{g{ [nadV©Zm| H$s gyMZm CgH{$ obE H$m\$s Zm{oQ>g hm{Jr Am¡a g_ñV{ X{` amoe`m| H$m em{YZ g§[yU© ê$[ g{ oH$E OmZ{ VH$ g_`-g_` [a ]¢H$ H{$ Zm{oQ>g ]m{S>© _| AoYgyoMV ã`mO H$s Xa [a ã`mO AXm H$aZ{ H$m{ dh gh_V h¡$& The Borrower/s hereby specifically agree/s that he/she/they waive/s notice of variation of interest including enhancement from time to time as per the directions of the Head Office of the Bank.... the same shall become compounded with the principal balance outstanding in the account..

1881. the Borrower/s covenant/s to keep the mortgaged property free from all taxes. then he/she/they shall furnish such additional/adequate/ alternate security/ies. the Bank shall have the right to publish his/her/their name/s and photograph in any of the local news paper/s. O] H$^r ]¢H$ H{$ Ûmam Amdí`H$ hm{$& CYmaH$Vm©/Am| H$m{ ^wJVmZ H{$ obE oH$gr M{H$ H$m{ àñVwV Zht H$aZ{ h{Vw ]¢H$ g{ [yN>Z{ H$m AoYH$ma Zht h¡ Am¡a `oX CYmaH$Vm© E{gm H$aVm h¡. Vm{ O] ^r _m±Jm OmEJm dh/d{ E{gr AoVnaº$/[`m©á/d¡H$pë[H$ àoV^yoV/`m| H$m{ X{Jm$& The Borrower/s undertake that if the value of the above said property/ies depreciates to such an extent and in the opinion of the Bank further security/ies is/are to be furnished. encumbrances. VWm VÏ` g{ Hw$N> ^r Zht oN>[m`m J`m$& The Borrower/s have disclosed all the material facts relating to the property like the public schemes affecting the Borrower's right/title in the property/ies mortgaged to the Bank. shall apply. 14) O] VH$ oH$ g_ñV Amdmg F$U H$s MwH$m¡Vr Zht hm{Vr h¡ CYmaH$Vm© ]¢H$ H$s oboIV AZw_oV H{$ o]Zm oH$gr ^r àH$ma g{ ]§YH$/à^mnaV g§[oÎm H$m{ hñVm§VnaV Z H$aZ{ H$m{ gh_V h¡/dMZ X{Vm h¡$& BgH{$ AoVnaº$ CYmaH$Vm© ]§YH$ g§[oÎm H$m{ g^r àH$ma H{$ H$am§{. . sustained/to be sustained by the Bank due to defective title/encumbrance in the property/ies. lien or charges of whatsoever kind and keep the house in good condition by making necessary repairs during the pendency of the loan. Vm{ ]¢H$ H$m{ o\$a ^r ^wJVmZ H{$ obE oH$gr M{H$ H$m{ àñVwV H$aZ{ H$m AoYH$ma hm{Jm Am¡a AñdrH$ma oH$`{ OmZ{ [a [aH«$må` obIV AoYoZ`_. The Borrower/s agree/s to forthwith replace the cheques/issue fresh cheques. Cº$ g§[oÎm H{$ g§]§Y _| H$m{B© oddmX VWm ^wJVmZ ]H$m`m AmoX. 16) CYmaH$Vm© Z{ g§[oÎm g{ g§]§oYV g^r _hËd[yU© VÏ` H$m Iwbmgm oH$`m h¡ O¡g{ ]¢H$ H{$ [mg ]§YH$ aIr g§[oÎm/`m| _| CYmaH$Vm© H{$ AoYH$ma/hH$ H$m{ à^modV H$aZ{ dmbr gmd©OoZH$ `m{OZmE±. 18) CYmaH$Îmm© gh_V h¡ oH$ CgH{$/CZH{$ H$maU hþB© BamXVZ MyH$ H$s pñWoV _|. the Borrower/s agree/s / undertake/s not to alienate the mortgaged/charged property in any manner without the written consent of the Bank. the Bank shall nevertheless be entitled to present the cheque for payment and in the event of dishonour the provisions under Chapter XVII of the NI Act. magazine/s etc. ^mam|. 15) CYmaH$Vm© dMZ X{Vm h¡ oH$ AJa Cº$ g§[oÎm/g§[oÎm`m| H$m Ad_yë`Z hm{Vm h¡ VWm ]¢H$ H{$ odMma g{ AoVnaº$ àoV^yoV/`m| H$m{ oX`m OmZm h¡. Further. Any non-presentation of a cheque due to any reason will not affect the liability of the Borrower/s to pay the monthly instalments or any other sum.. 1881 H$m AÜ`m` XVII H{$ AYrZ àmdYmZ bmJy hm{Jm$& On demand the Borrower/s agree/s to deliver to the Bank Post-dated Cheques for the monthly instalments and the Borrower/s warrants that the cheques will be honoured on first presentation.4 12) _m±J{ OmZ{ [a CYmaH$Vm©/Am| ]¢H$ H$m{ _mogH$ oH$ñV H{$ obE CÎma oXZm§oH$V M{H$ X{Z{ H$m{ gh_V h¡/h¢ VWm CYmaH$Vm©/Am| AmídmgZ X{Vm h¡/h¢ oH$ M{H$ [hbr àñVwVr [a hr ñdrH¥$V hm{Jm$& oH$gr ^r H$maU g{ M{H$ H$s J¡a àñVwVr CYmaH$Vm©/Am| H$s _mogH$ oH$ñV ^wJVmZ AWdm oH$gr ^r AÝ` amoe H$s X{`Vm H$m{ à^modV Zht H$aVr h¡$& CYmaH$Vm©/Am| M{H$ H$m{ àoVñWmo[V/ZE M{H$ H$m{ Omar H$aZ{ H{$ obE gh_V h¡/h¢. if and when called upon to do so. J«hUmoYH$ma AWdm à^mam| g{ _w·V aIZ{ H$m{ gh_V hm{Jm VWm F$U AdoY H{$ Xm¡amZ Amdí`H$ _aå_V H$aH{$ _H$mZ H$m{ AÀN>r Xem _| aI{Jm$& Till the entire housing loan is repaid. if required by the Bank. any disputes and payments due in relation to the said property/ies etc. 17) `oX CYmaH$Vm© X{` VmarI g{ VrZ _mh VH$ oH$ñVm| H$s AXm`Jr H$aZ{ _| MyH$ H$aVm h¡ AWdm X{` VmarI H{$ ]mX VrZ _mh VH$ ã`mO X{Z{ _| Ag\$b ahVm h¡ AWdm BZ àñVdm|/oH$gr AÝ` XñVmd{O H{$ oZî[mXZ AWdm [mbZ _| CYmaH$Vm© Ûmam C„§KZ oH$E OmZ{ H$s pñWoV _| ]¢H$ AoJ«_m| H$m{ dm[g b{Z{ Am¡a/AWdm àVr^yoV`m| H$m àdV©Z H$aZ{ H$m hH$Xma hm{Jm$& The Bank will be entitled to recall the advances and/or enforce the security if the borrower/s default/s in paying any instalments for three months from the due date or fail/s to pay any interest for three months after due date or in the event of borrower/s committing any breach in the performance or observance of these presents/any other document. and nothing has been concealed from facts. ]¢H$ H$m{ AoYH$ma h¡ oH$ CgH$m/CZH{$ Zm_/Zm_m| VWm \$m{Q>m{J«m\$ H$m{ ñWmZr` AI]ma/am| [oÌH$m/[oÌH$mAm| AmoX _| àH$moeV H$adm gH$Vm h¡$& The Borrower/s agree that in the event of willful default on his/her/their part. if any. The Borrowers shall not be entitled to call upon the Bank to refrain from presenting any cheque for payment and if the Borrower/s does so. 13) CYmaH$Vm© dMZ X{Vm h¡ VWm Km{fUm H$aVm h¡ oH$ Cº$ F$U H{$ obE àoV^yoV/`m| H{$ ê$[ _| aIr J`r g§[oÎm/g§[oÎm`m| H$m CgH{$/CZH{$ [mg ñ[ï> VWm od[UZr` hH$ h¡ VWm ^ma g{ _wº$ h¡/h¢ Ed§ dh/d{ dMZ X{Vm h¡/X{V{ h¢ oH$ g§[oÎm/g§[oÎm`m| H{$ Xm{f[yU© hH$/^ma H{$ H$maU ]¢H$ H$m{ hþB© hmoZ/ hm{Z{ dmbr hmoZ H{$ obE dh joV[yVu H$a{Jm$& The Borrower/s undertake/s and declare that he/she/they have clear and marketable title to the property/ies offered as security/ies in the subject loan and is/are free from encumbrances and he/she/they undertake to indemnify the Bank against the loss.

CÎmaXmo`Ëd Am¡a IM© [a ]r_m H$a{Jm Am¡a oH$ AZwgyoMV g§[oÎm H$m ]r_m H$amZ{ H$s pñWoV _| ]¢H$ H$m{ Xmd{ H{$ [yU©V•$ AWdm A§e _| AñdrH$ma hm{Z{ [a CÎmaXm`r Zht _mZm OmEJm Mmh{ `h Xmdm ]¢H$ Ûmam oH$`m J`m hm{ AWdm CYmaH$Vm© Ûmam oH$`m J`m hm{$& CYmaH$Vm© Ûmam `h ñ[ï> é[ g{ dMZ oX`m OmVm h¡ oH$ dh ñd`§/A[Zr Va\$ g{ Xmdm [{e H$aZ{ H$s H$ma©dmB© ewê$ H$aZ{/]¢H$/]r_m H§$[Zr H$m{ Amdí`H$ gyMZm X{Z{ oH$gr ^r H$maU g{ g§[oÎm H$m{ hþB© hmoZ/joV H{$ ã`m{am| H$m{ gyoMV oH$E OmZ{ H{$ o]Zm hr ]¢H$/]r_m H§$[Zr H$m{ Amdí`H$ gyMZm X{Z{ O¡g{ g^r C[m` H$a{Jm/H$a{Jr$& àoV^yoV H$s hmoZ/joV H{$ H$maU Xmd{ H{$ [yU©V• AWdm Am§oeH$ é[ g{ AñdrH$ma hm{Z{ H$s pñWoV _| CYmaH$Vm© ]r_m H§$[Zr H{$ odéÕ àW_ X¥ï>`m H$ma©dmB© H$aZ{ H{$ obE ]¢H$ g{ A[{jm oH$E o]Zm g_ñV ]H$m`m X{`Vm ]¢H$ H$s bm¡Q>mZ{ H$m{ CÎmaXm`r hm{Jm/hm{Jr$& Xmd{ H$m ^wJVmZ Z hm{Z{ H$s pñWoV _| ]¢H$ [yU©V• A[Z{ ñdoZU©` g{ ]r_m H§$[Zr H{$ odéÕ H$ma©dmB© H$a gH$Vr h¡. `wÕ. oH$gr Ý`m`mb` Ûmam àmá g§[oÎm H{$ g§]§Y _| àmáH$Vm© oZ`wº$ oH$E OmZ{ [a$& c. àmá g§[oÎm [a AWdm CYmaH$Vm© H{$ ì`oº$Ëd [a bmJy AWdm bJmE Om ah{ oH$gr XÊS>. Cg pñWoV _| F$UH$Vm© ]¢H$ H{$ oZU©` [a Am[oÎm H$aZ{ H$m hH$Xma Zht hm{Jm$& `oX ]¢H$ E{gr [m°obgr H{$ A§VJ©V oZYm©naV g_` gr_m H{$ A§Xa [m°obgr H$m Xmdm [{e Zht H$aVm Vm{ ]¢H$ ]r_m H§$[Zr AWdm AÝ` ì`oº$ H{ odéÕ ]r_m H$s amoe H$m Xmdm AWdm _wH$X_m Xm`a Z H$aZ{ H{$ obE CYmaH$Vm© H{$ àoV CÎmaXm`r Zht hm{Jm$& . Hw$H$s© AWdm àd©VZ H$s pñWoV _|$& b. the decision of the Bank shall be conclusive and binding on the Borrower. X§Jm|. 20) ]¢H$ A[Z{ AoYH$mna`m| Ûmam _H$mZ H{$ oZ_m©U H$m oZarjU H$aZ{ H$m hH$Xma hm{Jm AWdm g_`-g_` [a _H$mZ H{$ oZ_m©U H$s Xem H$m{ Xem©Z{ dmb{ \$m{Q>m{ àñVwV H$aZ{ H$m AmJ«h H$a gH$Vm h¡ VmoH$ ñdrH¥$V eVm~ H$m AZw[mbZ gwoZpíMV hm{ gH{$$& AgÝVm{fOZH$ oZarjU na[m{Q>© H$s pñWoV _| ]¢H$ oboIV Zm{oQ>g X{Z{ AWdm àoVH$mar C[m` H$aZ{ H{$ obE CYmaH$Vm© H$m{ oZX{e X{Z{ H{$ ]mX AmJ{ AoJ«_m|/oH$ñVm| H$m{ am{H$ gH$Vm h¡$& The Bank is entitled to inspect the construction of the house by its officers or insist the borrower/s to produce photos indicating the stage of construction of house from time to time to ensure the compliance of sanction terms. h¶S>Vmb. the Bank may stop further advances/instalments after giving written notice or direct the borrower to take remedial measures. attachment or distraint being enforced or levied on the property secured or on borrower personally. I The borrower/s is/are declared as bankrupt or insolvent by a Court. ]¢H$ E{g{ H$aZ{ H{$ obE oH$gr ]mÜ`Vm H{$ AYrZ Zht hm{Jr Am¡a Z hr CYmaH$Vm© g{ ñd`§ H$ma©dmB© H$aZ{ H$s A[{jm H$a{Jr. depreciates the value of security given by borrower.5 19) ]¢H$ A[Z{ odd{H$mYrZ oZåZoboIV KQ>ZmAm| _| g{ EH$ AWdm AoYH$ H{$ hm{Z{ [a Bg H$amaZm_{ H{$ AYrZ g_ñV YZamoe H{$ ^wJVmZ H$s _m§J H$a gH$Vm h¡ VWm àoV^yoV`m| H$m àdV©Z H$a gH$Vm h¡ & The Bank in its discretion have the right to demand the payments of all moneys under this agreement and enforce its security upon the happening of any one or more of the following events: H$ Ý`m`mb` Ûmam CYmaH$Vm© H$m{ oXdmob`m AWdm YZ em{YZ Aj_ Km{ofV oH$`{ OmZ{ [a$& a. In the event of unsatisfactory inspection report. M The occurrence of any event or circumstances which in the opinion of the bank would or is likely to prejudicially or adversely affect in any manner the borrower’s capacity to repay the loan. Failure or neglect to utilise the credit facility or any part thereof for the purpose for which it was sanctioned by the Bank. oH$gr E{gr [napñWoV`m| H{$ AmZ{ [a O] CYmaH$Vm© Ûmam Xr JB© àoV^yoV H{$ _yë` H$m{ hmoZ [hþ§MmVr h¡ AWdm H$_ H$aVr h¡$& d. oH$gr E{gr KQ>Zm AWdm [napñWoV H{$ C[pñWV hm{Z{ [a Om{ ]¢H$ H{$ odMma _| F$U H$s AXm`Jr H{$ obE CYmaH$Vm© H$s j_Vm H$m{ oH$gr àH$ma g{ hmoZH$maH$ AWdm od[arV ê$[ g{ à^modV H$aVr h¡$& e. ]¢H$ Ûmam oOg à`m{OZ H{$ obE ñdrH¥$V F$U gwodYm AWdm CgH{$ oH$gr ^mJ H$m C[`m{J H$aZ{ _| Ag\$b hm{Z{ AWdm bm[admhr H$aZ{ [a$& f. ZmJnaH$ g§jm{^. ·`m C[`w©º$ H$m{B© KQ>Zm KoQ>V hþB© h¡ Bg àíZ [a ]¢H$ H$m oZU©` ApÝV_ hm{Jm Am¡a CYmaH$Vm© [a ]ÝYZH$mar hm{Jm $& On the question whether any of the above event has happened. 21) CYmaH$Vm© AmJ{. L> The occurrence of any circumstances which impairs. J Any execution. K A receiver being appointed in respect of the secured property by any Court. XwK©Q>Zm H{$ IVa{ H{$ odéÕ [ya{ ]mOma _yë` H{$ obE oZYm©naV g§[oÎm H$m [`m©á é[ g{ ]r_m H$amEJm Am¡a o\$bhmb bmJy H$mZyZ Ûmam oZYm©naV VWm ]¢H$ Ûmam A[{ojV à`m{OZm| H{$ obE ^r ]r_m H$amEJm VWm g_`-g_` [a odoYdV² Am¡a oZ`o_V ê$[ g{ ]r_m-oH$ñVm| H$s AXm`Jr H$aH{$ [m°obgr H$m{ gX¡d Mmby aI{Jm Am¡a ]r_m [m°obgr H{$ bm^m| H$m{ ]¢H$ H$m{ gm¡§[ X{Jm$& ]¢H$ E{gr g^r [m°obog`m| H{$ g^r bm^m| H$m hH$Xma hm{Jm$& CYmaH$Vm© EVX²Ûmam E{gr g^r [m°obog`m| H$m hñVmÝVaU H$aZ{ Am¡a BgH{$ bm^m| H$m{ à^mdH$mar é[ g{ ]¢H$ _| oZohV H$aZ{ H{$ obE Om{ ^r Amdí`H$ hm{Jm CgH$m{ H$aZ{ H$m{ gh_V h¡ Am¡a dMZ X{Vm h¡$& CYmaH$Vm© AZwgyoMV g§[oÎm H{$ oH$gr ^r àH$ma H$s Qy>Q>-\y$Q> AWdm Üd§g g{ AWdm V¥Vr` [j Ûmam oH$gr [«H$ma H{$ Xmd{ H{$ H$maU hm{Z{ dmbr hmoZ H$s joV[yoV© H$aZ{ H$m{ ^r gh_V h¡$& ]¢H$ Bg ]mV H{$ obE ñdV§Ì hm{Jm Am¡a ]mÜ` Zht hm{Jm oH$ CYmaH$Vm© AZwgyoMV g§[oÎm H$m{ ]¢H$ Ûmam AZw_moZV _yë` H$s gr_m VH$ oH$gr ]r_m H§$[Zr H{$ [mg A[Z{ Om{oI_.

The borrower/s also agree/s that the Bank can assign all/any of its rights/privileges under/by this agreement to any other person/agency/trust and the borrower/s shall be bound by such assignment and assignee has the right to enforce all rights which the Bank so assigned. power or remedy accruing to Bank upon any default under this agreement. at its discretion grant time for completing the work and commencing repayment of the loan. In the event of non-settlement of claim. The Borrower/s hereby agree/s and undertake/s to do everything to transfer and effectively vest in the Bank the benefits of all such policies. Completion Certificate issued by the Civil Authority concerned. In the event of rejection of claim either wholly or in part on account of loss/damage to the security. the Bank shall not be considered or deemed to be responsible or liable for non-admission or rejection of the claim wholly or in part whether the claim is made by the Bank or by the Borrower/ s. If the Bank does not lodge any claim under the policy within the time limit prescribed under such policy. riots. ]§YH$ odb{I AWdm oH$gr AÝ` H$amaZm_{ AWdm XñVmd{O H{$ A§VJ©V oH$gr MyH$ [a ]¢H$ H$m{ àmá hm{Z{ dmb{ oH$gr AoYH$ma. in which case the Borrower shall not be entitled to question the decision of the Bank. eoº$ AWdm C[m` H$m C[`m{J H$aZ{ _| odbå] AWdm C[`m{J H$aZ{ _| MyH$ hm{Z{ g{ E{g{ oH$gr AoYH$ma eoº$ AWdm C[m` H$m{ H$_ Zht H$a{Jr AWdm CgH$s g_Zw_oV _mZr OmEJr$& oH$gr MyH$ _| BgH{$ Ûmam oH$gr MyH$ AWdm AoYH$ma. the Bank shall not be liable to the Borrower for not filing any claim or suit for recovery of the insured amount against the Insurance Company or any other person. 25) CYmaH$Vm© Bg ]mV g{ ^r gh_V h¡ oH$ dh A[Z{ F$U Amd{XZ _| Xem©E JE AZwgma _H$mZ H$m oZ_m©U [yam H$a{Jm AWdm AÝ`Wm Am¡a g§]§oYV ZmJnaH$ àmoYH$aU Ûmam Omar oH$E JE g_moá à_mU[Ì H$m{ àmá H$a{Jm Am¡a ]¢H$ H$m{ àñVwV H$a{Jm$& The Borrower covenant/s that he shall complete the construction of the house as indicated by him in his loan application or otherwise and obtain and produce to Bank. The Borrower/s further agree/s to indemnify the Bank against loss by reason of damage or destruction or loss to the schedule property from any cause whatsoever for reason of claim by third party in respect of the same. 23) CYmaH$Vm© AZwgyoMV g§[oÎm H{$ g§]§Y _| g§[oÎm H$a Am¡a AÝ` ewëH$ O] H$^r d{ X{` hm{ AXm H$aZ{ H$m dMZ X{Vm h¡ Am¡a ]¢H$ H$m{ CgH m à_mU [{e H$a{Jm$& The Borrower/s undertake/s to pay the property tax and other dues relating to the schedule property as and when due and produce the proof thereof to the Bank. 22) `oX AàË`moeV H$maUm| g{ oZ_m©U/_aå_V [yar H$aZ{ _| odbå] hm{ ahm h¡ Vm{ ]¢H$ CYmaH$Vm© H{$ AZwam{Y [a H$m`© [yam H$aZ{ Am¡a F$U H$s AXm`Jr ewé H$aZ{ H{$ obE g_` X{ gH$Vr h¡$& If there is delay in completing the construction/repairs on account of unforeseen reasons. The Bank is at liberty and is not bound to effect such insurance at the risk. risk and also such other purposes as may be prescribed by the law for the time being in force and as required by the Bank and keep the policy always current by duly and punctually paying the premia from time to time and to assign the benefits in insurance policy thereof to the Bank. the Bank may at its absolute discretion take action against Insurance Company without being under any obligation to do so or require the Borrower himself to take action. responsibility and expenses of the Borrower/ s with any Insurance Company only to the extent of the value of schedule property as estimated by the Bank and that in the event of insuring the schedule property. civil commotion. at the request of the Borrower. 24) CYmaH$Vm© gh_V h¡ oH$ ]¢H$ H$m{ CYmaH$Vm©/Vm©Am| Ûmam BgH{$ VhV àmá F$U H{$ g§]§Y _| oH$gr EO{Ýgr g{ [wZod©Îm àmá H$aZ{ H$m `m E{g{ F$U H$s àoV^yoV`m| [a AoYH$ma h¡$& CYmaH$Vm© Bg h{Vw ^r gh_V h¡ oH$ ]¢H$ Bg H$ama H{$ Ûmam/AYrZ CgH{$ g^r/oH$gr AoYH$ma/ode{fmoYH$mam| H$m g_ZwX{eZ oH$gr AÝ` ì`oº$/EO|gr/Ý`mgr H{$ àoV H$a gH$Vm h¡ Am¡a CYmaH$Vm© E{g{ g_ZwX{eZ Ûmam ]mÜ`H$mar hm{Jm Am¡a g_ZwX{oeVr H$m{. 26) Bg H$amaZm_{. the Bank may. mortgage deed or any other agreement or document shall impair any such default nor shall the action/ . The Bank shall be entitled for all the benefits of all such policies. strike. Further. war. eoº$ AWdm C[m` H$m{ à^modV H$_ Zht H$a{Jr$&$ g_Zw_oV H{$ g§]§Y _| ]¢H$ H$s oH«$`/oZpîH«$`Vm ]¢H$ No delay in exercising or omission to exercise any right.6 The borrower/s shall adequately insure the schedule property for the full market value against risk of fire. It is expressly undertaken by the Borrower/s that he/she/they shall himself/herself/themselves of his/her/their own accord take all steps like initiation of filing claims/furnishing necessary information to the Bank/insurance Company without being informed of details of loss/damage for any reason whatsoever. the borrower/s hereby consents for the waiver of notice by the Bank to the borrower/s of any such action of refinancing/securitisation/ assignment. ]¢H$ Ûmam Cg{ oXE JE g^r AoYH$mam| H$m{ àdoV©V H$aZ{ H$m hH$ h¡$& AmJ{ CYmaH$Vm© EVX²Ûmam [wZod©Îmr`Z/àoV^yoVH$aU/g_ZwX{eZ g§]§Yr CYmaH$Vm© H$s oH$gr H$ma©dmB© H$m{ ]¢H$ Ûmam Zm{oQ>g Omar H$aZ{ H$s Ny>Q> h{Vw gh_oV X{Vm h¡/X{V{ h¢$& The borrower/s agree/s that the Bank has the right to avail refinance from any agency in respect of the loan availed herein by the borrower/s or to securitize such loan. the Borrower/s shall be liable to repay to the Bank the entire outstanding liability wihout requiring the Bank to proceed in the first instance against the Insurance Company. accident.

_¢/h_ EVX²Ûmam gh_V h±ÿ / h¡ VWm `h gh_oV X{Vm h±ÿ / X{V{ h¢ oH$ H{$Zam ]¢H$ Ûmam E{gr H$m{B© ^r gyMZm àH$Q> H$s OmE Om{ oZåZdV² h¡ • (H$) (I) (J) _{a{/h_ma{ g§]§Y _| gyMZm d Am§H$S>{ _{a{/h_ma{ Ûmam br JB©/br OmZ{dmbr oH$gr ^r F$U gwodYm H{$ g§]§Y _| gyMZm `m Am§H$S>{. ]¢H$ H$s emIm/emImAm| _| C[bãY hm{Jr oOg emIm _| E{gr gr_m A] ]H$m`m amoe H{$ ^wJVmZ h{Vw ñWmZm§VnaV _mZr OmVr h¡ Am¡a Om{ oH$gr AÝ` CYma b{Im| _| CYmaH$Vm© AWdm CYmaH$Vm© Ûmam g§`wº$ ê$[ g{ BgH{$ AmJ{ X{` hm{ gH$Vm VWm àñVwV oH$`m Om MwH{$ XñVmd{O/Amb{I g^r àH$ma g{ Am¡a g^r à`m{OZm| H{$ obE CYmaH$Vm© H{$ àoV bmJy hm{V{ ah|J{ Am¡a H$oWV XñVmd{Om|/Amb{Im| H{$ CX²X{í` E{g{ _mZ{ OmE§J{ O¡g{ oH$ d{ CYmaH$Vm© Ûmam Cg emIm/emImAm| oOZ_| E{gr gr_mE§ ñWmZm§VnaV _mZr Om{E§Jr H{$ [j _| oZî[moXV oH E JE h¡§$& It is expressly agreed and declared by the Borrower/s that in the event of Borrower making request to transfer the limit/outstanding liability to any other branch of the Bank for being availed and operated on the ground of convenience or for any other reason acceptable by the Bank and Bank agrees to transfer the limits and/or grants further limit as per records and documents separately to be obtained for such further limit by the concerned branch/es. _¥Ë`w `m H$mZyZr ê$[ g{. bonus. resignation. affect or impair any right. allowance. 28) _{a{/h_ma{ oZ`m{OH$ H{$ H$mam{]ma/g{dm _| _{a{/h_ma{ g{dm H$s g_moá [a Mmh{ g{dmoZd¥oÎm Ûmam. ^Îmm. ]m{Zg. VWm _{a{/h_ma{ E{g{ Xmo`Ëd H{$ oZ[Q>mZ _| _{a{/h_ma{ Ûmam H$s JB© H$m{B© MyH$ . any such appropriation made by you or my/our employers shall be conclusive and binding on me/ us and my/our estate both in and out of court. 29) (i) _¢/h_ Z{ g_P ob`m h¡ oH$ _wP{/h_| F$U/AoJ«_/AÝ` J¡a oZoY AmYmnaV F$U gwodYmE§ àXmZ H$aZ{ H{$ g§]§Y _| [yd© eV© H{$ ê$[ _| _{a{ / h_ma{ Ûmam br JB©/br OmZ{dmbr F$U gwodYm. power or remedy of Bank in respect of any other default. In any event my/our liability to make payment of the entire dues immediately shall remain valid till the entire amount with applicable interest as upto the date of payment has been realised by you whether by way of recovery from my/our employer or otherwise. other remuneration or any payment (whether ex-gratia or otherwise) whatsoever and ii) any amount that may be standing to the credit of any account which I/We may have with my/our employers or with you. 27) CYmaH$Vm© Ûmam `h ñ[ï> é[ g{ ñdrH$ma oH$`m OmVm h¡ Am¡a Km{ofV oH$`m OmVm h¡ oH$ gwodYm H{$ AmYma [a àmá H$aZ{ Am¡a àMmobV oH$E OmZ{ H{$ obE ]¢H$ H$s oH$gr AÝ` emIm _{| gr_m/]H$m`m X{`Vm H{$ ñWmZm§VaU h{Vw CYmaH$Vm© Ûmam AZwam{Y oH$E OmZ{ H$s pñWoV _| AWdm ]¢H$ Ûmam ñdrH$m`© oH$gr AÝ` H$maU g{ Am¡a ]¢H$ gr_mAm| H$m{ ñWmZm§VnaV H$aZ{ H{$ obE gh_V hm{Vm h¡ Am¡a AWdm g§]§oYV emIm/emImAm| Ûmam E{gr Xygar gr_m H{$ obE AbJ g{ àmá oH$E OmZ{ dmb{ Amb{I Am¡a XñVmd{Om| H{$ AZwgma [wZ• gr_m ñdrH$ma H$aVr h¡ Vm{ àñVwV H$s JB© àoV^yoV Am¡a Cg emIm _| àñVwV H$s OmZ{ dmbr àoV^yoV oOg_| b{Im aIm OmVm h¡. either singly or jointly towards repayment of any balance that may be then remaining due by me/us in my/our said loan account together with interest thereon at the applicable rates upto the date of such payment. AÝ` [mnalo_H$ `m H$m{B© ^wJVmZ (Mmh{ AZwJ«h[yd©H$ `m AÝ`Wm) Om{ ^r hm{ Am¡a ii) Am[H{$ `m _{a{/h_ma{ oZ`m{OH$m| Ûmam oH$gr ImV{ _| O_m H$aZ{ h{Vw _{ar/h_mar amoe oH$gr e{f H$m{ [wZ^w©JVmZ H$s Am{a Mmh{ EH$b `m g§`w·V ê$[ g{ Om{ ã`mO gohV E{g{ ^wJVmZ H$s oVoW VH$ bmJy Xam| [a) _{a{/h_ma{ C·V F$U ImV{ _| _{a{/h_ma{ Ûmam e{f X{` hm{Jm. the security created and to be created in favour of the branch in which accounts are maintained shall be available to the branch/es of the Bank to which such limit stand transferred for the repayment of the amount now due and that may be due hereafter by the Borrower or by the Borrower jointly with others in any other accounts and the documents/records already created shall continue to be enforceable against the Borrower in all respects and for all purposes and intents the said documents/records shall be taken as if they are executed by the Borrower in favour of the branch/es to which such limits stand transferred. `m oH$gr AÝ` H$maU g{ `m oOg oH$gr ^r H$maU g{ Am¡a O¡g{ ^r hm{ Am[H{$ odd{H$moYH$ma _| Am[H$m{ _{a{/h_ma{ oZ`m{OH$ H$m{ odoZ`m{J H$aZ{ Am¡a oZ[Q>mZ H$aZ{ h{Vw Am[H$m{ obIZ{ H$m AoYH$ma hm{Jm i) H$m{B© ^r amoe h_ma{ oZ`m{OH$ Ûmam _wP{/h_| X{` h¡ Mmh{ d{VZ. _{a{/h_ma{ Ûmam CR>mE JE/OmZ{dmb{ Xmo`Ëd d CgH$s [yoV© _| _{a{/h_ma{ Ûmam H$s JB© MyH$ H{$ g§]§Y _| H$m{B© ^r gyMZm d Am§H$S>{ H{$Zam ]¢H$ Ûmam àH$Q> H$s OmZ{ H$s gh_oV X{Zr A[{ojV h¡$& (ii) VXZwgma. death or by operation of law or for any other reason or cause whatsoever and howsoever you shall be entitled at your discretion. [X Ë`mJZ{ [a. to write to my/our employer to appropriate and set off i) any amount which may be payable by/our employer to me/us whether by way of salary.7 inaction of Bank in respect of any default or any acquiescence by it in any default.$Am[H{$ `m _{a{/h_ma{ oZ`m{OH$m| Ûmam oH$`m J`m E{gm H$m{B© odoZ`m{J A§oV_ hm{Jm Am¡a _wP [a/h_ [a ]mÜ` hm{Jm Am¡a _{ar/h_mar g§[Xm Xm{Zm| Ý`mZmb` _| Am¡a Ý`m`mb` H{$ ]mha hm{Jm$& g§[yU© X{`m| H$m Vwa§V ^wJVmZ H$aZ{ H{$ _{/h_ma{ X{`Vm V] VH$ d¡Y hm{Jm O] VH$ oH$ Mmh{ _{a{/h_ma{ oZ`m{OH$ `m AÝ`Wm Ûmam dgybr H{$ _mÜ`_ g{ Am[H{$ Ûmam ^wJVmZ H$s oVoW VH$ bmJy ã`mO gohV g§[yU© amoe dgyb Zht H$s OmVr$& In the event of my/our ceasing to be in business/service of my/our employer whether by retirement.

BgH{$ gmú`ñdê$[ [moQ>©`m| Ûmam D$[a Co„oIV oXZ. understand that as a pre-condition. in discharge of my/our such obligation. relating to grant of the loans/advances/other non-fund based credit facilities to me/us. by me/us. and any other agency so authorised may furnish for consideration. committed by me/us. as may be specified by the Reserve Bank in this behalf. the parties hereto have signed these presents on the day. to banks/financial institutions and other credit granters or registered users. month and year above mentioned. I/We. _mh Am¡a df© H$m{ BZ àñVmdm| [a hñVmja oH$`{ J`{ h¢$& In witness whereof. by me/us. undertake that : (a) (b) the Credit Information Bureau (India) Ltd. in relation thereto and default.8 (iii) (iv) _¢/h_ Km{fUm H$aVm h±ÿ / H$aV{ h¢ oH$ _{a{/h_ma{ Ûmam H{$Zam ]¢H$ H$m{ Xr JB© gyMZm d Am§H$S>{ gË` d ghr h¡$& _¢/h_ dMZ X{Vm h±ÿ / X{V{ h¢ oH$ (H$) H«{$oS>Q> B§\$a_{eZ ã`yam{ (B§oS>`m) obo_ VWm Bg Vah àmoYH¥$V AÝ` H$m{B© ^r EO|gr ]¢H$ Ûmam àH$Q> H$s JB© H$oWV gyMZm d Am§H$S>m| H$m{ CZH{$ Ûmam `m{½` g_P{ JE VarH{$ g{ C[`m{J _| bm gH$V{ h¢ d àm{g{g H$a gH$V{ h¢$& (I) H«{$oS>Q> B§\$a_{eZ ã`yam{ (B§oS>`m) obo_ VWm Bg Vah àmoYH¥$V AÝ` H$m{B© ^r EO|gr àm{g{g H$s JB© gyMZm `m CZH{$ Ûmam V¡`ma oH$E JE CgH{$ JwUZ\$b H$m{ odMmamW© ]¢H$m|/odÎmr` g§ñWmAm| VWm AÝ` F$U àXmZ H$aZ{dmbm| `m [§OrH¥$V C[`m{JH$Vm©Am| H$m{ Bg [j _| ^maVr` naOd© ]¢H$ Ûmam odoZoX©ï> ê$[ _| àñVwV H$a gH$Vm h¡$& (i) I/We. Accordingly. if any. (ii) (iii) (iv) I/We. of the credit facility availed of/to be availed. I/We. in discharge thereof. the processed information and data or products thereof prepared by them. and default. committed by me/us. _¢ / h_ EVX²Ûmam [woï> H$aVm h±ÿ / H$aV{ h¢ gr AmB© ]r AmB© Eb / AÝ` àmoYH$aUm| H$m{ oXE JE / OmZ{dmbr gyMZm / ã`m¡a{ H{$ g§]§Y _{ _¢/h_ oH$gr Vah H$m H$m{B© oddmX àñVwV Zhr H$ê§$Jm/H$a|J{ Am¡a `h _wP{/h_ [a ]§YZH$mar h¡ $& Further I/We hereby confirm that I/We shall not raise any dispute in what so ever manner regarding information/details furnished/to be furnished to CIBIL/other authorities and same is binding on me/us. . AmJ{. declare that the information and data furnished by me/us to the Canara Bank are true and correct. hereby agree and give consent for the disclosure by the Canara Bank of all or any such : (a) (b) (c) Information and data relating to me/us the information or data relating to any credit facility availed of/to be availed. obligations assumed/to be assumed. and the Credit Information Bureau (India) Ltd. by me/us. if any. the Canara Bank requires my/our consent for the disclosure by the Bank of information and data relating to me/us. and any other agency so authorised may use. process the said information and data disclosed by the Bank in the manner as deemed fit by them.

9 AmpñV`m| H$s AZwgyMr / SCHEDULE OF PROPERTY H$/A I/B ã`m{am/odñVma g§[oÎm H$m àH$ma AdpñWoV d gr_m`| AZw_moZV _yë` Particulars/Extent Nature of Property Location and Boundaries Approximate Value H{$Zam ]¢H$ CYmaH$Vm©/ H{$ oZo_Îm Am¡a CgH$s Am{a g{ BORROWER/S For and on behalf of CANARA BANK Zm{Q> • Bg H$amaZm_{ H{$ ohÝXr ê$[m§Va _| eãXmW© odf`H$ H$m{B© oddmX `m odMma odo^ÞVm hm{Z{ H$s pñWoV _| _yb A§J«{Or àmê$[ H$m{ hr H$mZyZZ ghr _mZm OmEJm$& Note : In case of any dispute / difference with regard to meaning of the words given in the Hindi version of this document the English draft will be deemed as legally correct. .

.

.......... ........................................ to Canara Bank as also such other and further limits. to Canara Bank and/or any liability arising out of the aforesaid facilities granted and that may be granted by you/your ..... upto a maximum limit of Rs............... machineries standing/installed thereon and to be erected/installed and put up in future to secure the repayment of the credit facilities due and owing by me/ us and/or by ............ (Owner of the property) Dear Sir................................................................................................................ charges and expenses thereon..................................................... I/we have already deposited with you/your ............. 1882 in favour of Canara Bank in respect of immovable properties fully described in Schedule ‘B’ hereto annexed together with all buildings................................. ... branch in that behalf and payable by me/us and/or by ........................................... (Rupees................................................ ................. structures................................. at .............................................................. (The name of the branch where the title deeds have been deposited) or to ....................................... ...................................... Yours faithfully..................................(Rupees....... fittings........................................ (Date of deposit) the title deeds described in Schedule ‘A’ hereto annexed with intent to create security by way of equitable mortgage by deposit of title deeds within the meaning of section 58(f) of the Transfer of Property Act.............. (Advancing branch) upto a limit of Rs.................................... branch................................................................................................) This is to place on record that to secure the credit facilities granted/to be granted to me/us and/or to .......... ............................................461 LETTER EVIDENCING DEPOSIT OF TITLE DEEDS From ..................................... (Name of the borrower) at your branch/your ............................................................................. fixtures...................................... Place : Date : MORTGAGOR/S Enclosure : Schedule ‘A’ and ‘B’ referred to above...........11 NF ........................................................... only) of principal and also to secure the interest.................. Sub : Credit limits sanctioned / to be sanctioned to me/us and To The Manager CANARA BANK ........ branch (Notified branch) on ...... to Canara Bank inclusive of renewals thereof from time to time and/or any other monies in any other account standing in my/our individual account or jointly with any other or others that may become due and payable from time to time by me/us and/or by ........... costs..

12 hH$Xmar odb{I O_m gmú`m§H$Z [Ì à{fH$ g{dm _| à]§YH$ H{$Zam ]¢H$ (emIm H$m Zm_ Ohm± hH$Xmar odb{I O_m oH$`{ J`{ h¡) (g§[oÎm H$m _mobH$) oà` _hm{X`. ñWmZ • oXZm§H$ • ]§YH$H$Vm© g§b½ZH$ • D$[a ]VmB© JB© AZwgyoM`m§ H$m{ _§Oyar JB© gwodYm/Am| H$m AmoYJ«hU H$aZ{ H{$ H$m{ (O_m VmarI) _¢/h_ “H$” d “I” . odf` • H{$ ê$[ _| _wP{/h_| Am¡a `m lr H$m{ _§Oya{ J`{ é H$s Hw$b gr_m`{$& emIm (AoJ«_XmVm) _| `h Ao^oboIV oH$`m OmVm h¡ oH$ ^odî` _| Am[/Am[H{$ Ûmam _wP{/h_| Am¡a/`m lr é (é _{a{/h_ma{ Am¡a/`m lr H$m{ _mÌ) H$s amoe VH$ H$s X{`Vm E{d§ E{gr AÝ` X{`Vm ^r Am[H$m{/Am[H$s emIm H$m{ Ûmam g§Xm` Am¡a Cg oXem _| Am[/Am[H$s emIm Ûmam _§Oa y r Am¡a A[ZmB© JB© C[`wº © $ gwodYm/Am| g{ CË[Þ H$m{B© X{`Vm Am¡a `m g_`-g_` [a _{a/ { h_ma{ Am¡a `m lr Ûmam Am[H$m{/Am[H$s emIm H$m{ X{`/g§Xm` hm{Z{dmb{ AÝ` `m oH$Ýhr AÝ`m| H{$ gmW g§`wº$ ê$[ g{ `m _{a{/h_ma{ ì`oï>H$ ImV{ _| ahZ{dmbr oH$gr AÝ` ImV{ _| oH$Ýht AÝ` Ðì`m| [a ã`mO H{$ gmW-gmW g_`-g_` [a CZH{$ ZdrH$aU g_mohV Am[H$s/Am[H$m emIm H$m{ _{a{/h_ma{ Am¡a `m lr Ûmam X{` H$oWV gwodYm/`| AoKJ«hrV H$aZ{ H{$ obE dhm± [a pñWV/ñWmo[V Am¡a ^odî` _| ñWmo[V oH$`{ OmZ{ dmb{ AÝ` ^dZ d _erZar _Xm| H{$ gmW H$oWV g§[oÎm`m| H$s “I” AZwgyMr _| [yU©V`m doU©V g§[oÎm`m| H{$ g§X^© _| H{$Zam ]¢H$ H{$ [j _| g§[oÎm A§VaU AoYoZ`_ 1882 H$s Ymam (58) H{$ Xm`a{ _| hH$Xmar odb{Im| H$m{ O_m H$aH{$ B©p·dQ>r` ]§YH$ H$m g¥OZ H$aZ{ H{$ CX²X{í` g{ Bg H{$ gmW g§b½Z AZwgyMr “H$” _| dmoU©V Am¡a ñWmZ _| pñWV _{ar/h_mar g§[oÎm`m| g§]§Yr/hH$Xmar odb{I Am[H{$/ Am[H$s emIm _| _wP{/h_| Am¡a/`m lr obE Am[ H{$ [mg Am[H$s emIm (AoYgyoMV emIm) _| O_m H$a MwH$m hÿ±/MwH{$ h¢$& ^dXr`.

T. No. ]ÝYH$H$Vm©/Am| H{$ hñVmja/Signature/s of Mortgagor/s .O.462 AZwgyoM "H$'/ SCHEDULE ‘A’ àb{I/ñdËd-odb{I H«$_m§H$ Sl.13 NF . H$s oVoW àb{I/ñdËd-odb{Im| H$m oddaU Date of Document/ Title Deed Description of Documents/Title Deeds H¥$ [¥ C /P.

odñVma Extent of Property 3 Jm§d Village 4 Vhgrb/hm{dbr oObm Taluk/Hobli 5 District 6 North 7 CÎma South 8 XojU East 9 [yd© [píM_ West 10 1 2 14 ]ÝYH$H$Vm©/Am| H{$ hñVmja/Signature/s of Mortgagor/s .ñdËd odb{Im| H$s gyMr H$m AZwb½ZH$$/Enclosure of list of title deeds g^r ^yo_IÊS> VWm oZo_©V `m oZ_m©U H$s OmZ{dmbr B_maVm| H$m ‘I’ AZwgyMr H{$ A§VJ©V CgH{$ AZwb½ZH$ H{$ gmW oOg_| oH$ gyImMma AoYH$ma d CgH{$ C[m]X oddnaV h¢ oXIm`m J`m h¢$& All that piece and parcel of land and buildings existing and/or to be constructed thereon and shown under Schedule ‘B’ below together with easementary and appurtenants thereto AZwgyoM ‘I’ / SCHEDULE ‘B’ [nag§[oÎm H$m H«$_m§H$ gd}jU g§ [nag§[oÎm H$m ñWmZ/Location of Property gahX/Boundaries Sl. Survey No. No.

.................................................... ]§YH$ H$s VmarI DATE OF MORTGAGE .................................................................................................... F$U amoe LOAN AMOUNT ..... NF-981/1 Lakh/09-2010/Saileela .......................................................................... CYmaH$Vm© H$m Zm_ NAME OF THE BORROWER ................................................................................981 ì`oï`m| H{$ obE Amdmg F$U HOUSING LOAN TO INDIVIDUALS g_{oH$V àb{IrH$aU CONSOLIDATED DOCUMENTATION emIm H$m Zm_ NAME OF THE BRANCH ............................................. F$U XñVmd{O H$s VmarI DATE OF LOAN PAPERS .......................................................................................................EZ E\$/ NF .............................. F$U g§»`m LOAN NUMBER ....................................................................................

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