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  • Housing Loan Advances Final

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    Meenaxi Soni
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    This document outlines the process and documentation required for a housing loan from Bhatia Soni & Co. It lists 19 items that must be completed which include an application form, KYC documents for the borrower and guarantor, title clearance reports, income tax returns, credit checks, valuation and sanction reports, original title and loan documents, post dated checks, CERSAI registration of the property, vetting of documents, annual loan reviews, property visits, tax receipts, and property insurance. Compliance with all of these steps is necessary to fully sanction and process the housing loan.

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    This document outlines the process and documentation required for a housing loan from Bhatia Soni & Co. It lists 19 items that must be completed which include an application form, KYC documents for the borrower and guarantor, title clearance reports, income tax returns, credit checks, valuation and sanction reports, original title and loan documents, post dated checks, CERSAI registration of the property, vetting of documents, annual loan reviews, property visits, tax receipts, and property insurance. Compliance with all of these steps is necessary to fully sanction and process the housing loan.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
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    2 views2 pages

    Housing Loan Advances Final

    Uploaded by

    Meenaxi Soni
    This document outlines the process and documentation required for a housing loan from Bhatia Soni & Co. It lists 19 items that must be completed which include an application form, KYC documents for the borrower and guarantor, title clearance reports, income tax returns, credit checks, valuation and sanction reports, original title and loan documents, post dated checks, CERSAI registration of the property, vetting of documents, annual loan reviews, property visits, tax receipts, and property insurance. Compliance with all of these steps is necessary to fully sanction and process the housing loan.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    of 2

    BHATIA SONI & CO.

    Chartered Accountants

    HOUSING LOAN

    Borrower Name: Account No:

    Sanction Date: Sanction Amount:

    1. Application form
    2. Proposal
    3. KYC
    a. Borrower
    b. Guarantor
    4. TCR:
    a. Name of Advocate : b. Date:
    5. Valuation Report
    a. Realization Value: b. Distracted Value:
    6. ITR / FS :
    a. Borrower : Years
    b. Guarantor : Years
    7. CIBIL
    a. Borrower – Yes / No b. Guarantor – Yes / No
    8. Pre Sanction Visit Report
    9. Credit Rating
    10. Sanction Letter
    a. Date
    b. Signed by Borrower – Yes / No Sanctioning authority – Yes / No
    c. Sanction terms not complied
    11. ZO Stipulation for Sanction Complied – Yes / No
    12. Original Documents:
    a. Satakhat (20) -
    b. Purchase Deed -
    c. Mortgage Deed (0.35%) -
    d. Registration of Mortgage in Sub Registrar -
    e. Declaration for deposition of title deed (100) -
    f. Letter of Guarantee (100) -
    g. Loan Agreement (100) -
    h. General Undertaking (100) -
    i. Agreement of Loan (100) -
    j. Letter of General Lien and Set off from
    BHATIA SONI & CO. Chartered Accountants

    i. Borrower (100) –
    ii. Guarantor (100) -
    k. Letter of Acknowledgement of Debt -
    l. Undertaking (Housing Loan) -
    m. DP Note -
    n. Guarantor Consent Letter
    13. PDCs
    14. CERSAI Registration
    15. Vetting of Documents
    a. Name : b. Date:
    16. Annual TL review:
    17. Periodical Visit
    18. Annual Tax receipt
    19. Insurance of Property:

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