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RETAIL LENDING Application Form – HOUSING LOAN (NRIs / PIO

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Bank of Baroda

Please Affix Recent Photograph

ALPHA CODE:

Borrower No. _______________________

I/We request you to grant me/us a loan facility under Housing Loan Scheme for __________ To enable you to consider the proposal, I/We submit the following particulars. Please complete all sections in BLOCK LETTERS and tick Name √ boxes wherever applicable __________________________

: _______________________ _______________________

Category : SC/ST/OBC/OTHERS/MINORITY COMMUNITY PAN/GIR No. : ____________________ Present Overseas Address : __________________________________________________________________________ PIN : ________________ ______________________________________________________________________ Telephone : ________________ Fax : ______________________ Mobile No. : ______________________ No. of Years in present business/ employment: Changed Employment in past 3 years : Date of Birth Permanent Address

Not Changed

Once Age :

More than Once

: _______ (DD) _______ (MM) ______________ (YYYY)

: ____________________________________________________________________________ _________________________________________________________PIN : ______________ : ____________ Fax : _____________ E-mail : _____________________________________

Tel.

i) Sex :

About Yourself Male Female Education : Matric Under Graduate Graduate Post-Graduate Doctorate Doctor Architect CA MBA Engineer Lawyer

Net worth Applicant Co applicant Guarantor 1. Total Moveable 2. Total Immovable 3. Total Assets 1+2 4. Total Liabilities 5. Net Assets 3-4 6. Amount of Collaterals 7. Presence of Guarantor : Yes / No (If yes, give details in above column)

Marital Status:

Single Married Divorced Widowed If Professional :

No. of Dependents : ______ Others _______________ (Excluding spouse) No. of Children : _________ Credit Card Details : Credit Cards Owned : ______ Card Issuer: ________ Card No. : _______________________________________ Bank of Baroda Account No. __________________ CA / SB Branch Name: ______________________________________

PASSPORT No.: Place of Issue : Date of Issue : Valid upto : Date of Visa granted / work permit : Valid upto : Self Employed / Professional/Business Please tell us about your work: Name of Company : _____________________________ Office Address : ______________________________________________

Salaried: Please tell us about your work: Name of Organisation : ____________________________ Designation : Executive Managerial Clerk Department : ___________________________________ Office Address : __________________________________ ________________________________________________ _____________________________PIN : ______________ Tel.: _________Extn. No. :___________ Fax : __________ E-mail : ________________________________________ Working with : Govt./Public Sector Public Ltd. Pvt. Ltd. Partnership Proprietorship MNC

PIN : _________________ Tel. : __________________ Fax : _________________ E-mail : _______________________________________

Working Since: ______________. Retirement Age: ______

Total Monthly house hold expenses : ______________________ 6. if any Total Average Income of last two years : (Rs) ___________________ ___________________ Property Details (For Office use ) : 1. ________________ No. Built up . Salaried Person (I) Monthly Basic (Rs. Age of Construction (For Existing Construction ) : Final Intermediate Foundation Planning < 5 years 10 years – Maximum Limit 5. Gross Monthly Income (Rs.Years at Current Job : Greater than 5 Years Between 3 to 5 Years Between 1 to 3 Years Less Than 1 Year Gross Monthly Income: Rs. ft. Ltd.10 years >= Maximum Age Limit Builder’s / Seller’s Name : _________________________________________________________________________ Area : Total .) 2. Net Annual Income of other Family members: ________________ (Excluding co applicant & Guarantor) 8. Annual Professional Tax : : : : _______________________ _______________________ _______________________ ______________________ For Tax Purpose (i) Total Annual Savings under s/88: ______________________ (ii) 100% Rebate Amount : ______________________ (iii) Deduction under chapter VI A : _____________________ (iv) Other Rebate /Deduction claimed: ______________________ 5.__________ Sq. _______________ A/c. ft.) (ii) % of PF deduction 3. of years account held _________________ ._____________ Sq. 4.____________________ Business Details : Pvt. Type _________________ A/c No. Gross Income during last two years: I II Salary Income Bonus. Location / Address : ____________________________________________________________________________________________ _____________________________________________________________________________ Outstanding Loan Details Source/Type 1) 2) 3) Amount of Loan Outstanding EMI Default /Overdue Since About Your Bank Account (including credit facilities if any) Name of the Bank Main Bank:_________ Others: 1) 2) Branch & Telephone No. Stage of Construction (For New Construction) : 2. if any Incentive. Partnership Proprietorship Others ____________________ Established Since: _______________________________ Designation: Executive Managerial Proposed Loan Details:(To be filled by Branches/Offices) Tenure Months:_______________________ Purpose:_____________________________ Purchase Price(Rs):____________________ (a) Stamp Duty : _________________ (b) Registration Fee : _____________ (c) Others : _____________________ Outside Borrowings (Rs):________________ Loan Amount(Rs):_____________________ Rate of Interest %:_____________________ (Floating / Fixed option) Margin %:____________________________ Years in Current Business : >5 3 – 5 1 – 3 <1 Greater Less Gross Monthly Income: ______________________ Income Details: 1. Monthly other loan amount : ______________________ 7.

correct and complete and up-todate in all respects. Place Date : ______________________________ : _____________________________ Signature of the Guarantor/s . I undertake to contribute Rs……………. I/we agree. I/We also authorize Bank of Baroda to exchange. I/We undertake to inform Bank of Baroda regarding any change in my/our residence/employment/Occupation/Transfer and to provide any other information that Bank of Baroda may require. service.) : : _____________________ : _____________________ _____________________ : _____________________ : _____________________ : ______________________ : _____________________ _____________________ The loan applied for as above for Rs…………. I/We also authorize Bank of Baroda or its agent to make references and enquiries relative to information in this application which Bank of Baroda considers necessary. stipulated by the bank from time to time. note and understand that Bank of Baroda shall be entitled at its sole discretion to call back.monthly instalments of Rs………………. I/We further agree that my/our loan shall be governed by the rules of Bank of Baroda which may be in force from time to time. remedies and securities.towards margin money being ………% of the project cost. Yours faithfully. documentation charges etc. Bank of Baroda reserves the right to reject any application without providing any reason. which would be applied at quarterly / monthly interval or as applicable from time to time. part with all information relating to my/our loan details and repayment history information to other Banks/Financial institutions/ Credit Bureaus/Agencies as may be required and shall not hold Bank of Baroda liable for use of this information.. I/We confirm that I/We have had no insolvency proceedings initiated against me/us nor have I/We ever been adjudicated insolvent. dependants & legal heirs: Name/Age of dependents/ Legal heirs Relationship with the borrower Address Occupation / Vocation of Legal heirs I/We hereby declare that all the particulars and information furnished in the application form are true.About your Co-applicant : Name : _______________________ Relation with Applicant : _______________________ Address : _______________________ _______________________ Occupation : _______________________ Phone/Fax : _______________________ Email ________________________ PAN/GIR Number :________________________ Net Annual Income (Rs..a.each. I / We note that the rate of interest applicable on the loan will be at ……. the entire loan/advance whether due and payable or not at any time without assigning any reason and enforce its rights. Place : __________________________________ Date __________________________________ Signature of the Applicant/s / Co . I/we under take to bear processing. Further I give below particulars about myself. share.) : ______________________ About Guarantor : Name Address Occupation Phone/Fax Email PAN/GIR Number Net Annual Income (Rs..(Rupees…………………………………………………………) under Direct Housing Finance Scheme is repayable in …………. I/We have not withheld any information.Applicant I am willing to stand as guarantor.% p.

Wherever attestation is not possible. Property belonging to a Registered Co-operative Housing Society. vi. certified by a chartered accountant (b) A note giving information on the nature of business /profession. this may be submitted duly notarized. form of organization. officials of Inland Revenue Dept. Copy of approved drawings of proposed construction / purchase. 11. 7. 6. 9. age. NRE Bank account pass book or statement of account. 4.LIST OF DOCUMENTS TO BE OBTAINED WITH APPLICATION FORM: Personal Documents : 1. (Indian / Foreign) 12. 3. if held earlier Parents or grand parents passport with details there in substantiating his PIO claim of being a Property documents: Receipt for payments made for purchase of the residential unit. For Self Employed: (a) Balance sheets and profit & loss accounts of the business/profession along with copies of individual income-tax returns for the last three years. A salary certificate / income statement duly attested by our foreign office including susidiary office/ certified by the competant authority available in the country may be produced. (similar to Income Tax Authorities in India) or any other agency specified for the purpose. Construction of house on a separate plot of land. Other documents depending upon i. nature of profession/ business etc. 10. wherever feasible. if applicable. with necessary proof. suppliers etc For PIOs: A photocopy of the PIO Card or any of the under noted documents:• • • Current passport indicating birth place in India/abroad. This may also include Chartered / Certified Accountants.1976 Agreement for sale / sale deed / detailed cost estimate from Architect / Engineer for the property to be constructed. the same has to be translated into English and attested by Employer / Indian Embassy). A copy of IT returns of last 2 years. Purchase in resale. Indian Passport. 8. Allotment letter from the co-operative society/ association of apartment owners. v. 2. 4. Overseas Bank Account Statement for the last 6 months. . Copy of latest work permit. Guarantor forms along with net worth proof / income proof. Copy of the Identity card issued by the current Employer. Continuous Discharge Certificate. Permission from competent authority for construction of flat/house Permission from competent authority under Urban Land Ceiling & Regulation Act. Bio-data covering educational qualifications. 2. vii. iii. Copy of the employment Contract (If the contract is in any language other than English. 3. 1.. Undertaking from the employer for remittance of monthly installment. Direct sale by any Development Authority. clients. 13. Property to be purchased directly from builder (ready / under construction). iv. Copy of the Visa stamped on the passport. 5. 5. job experience. 12. if stipulated in the sanction. ii. Certified copy of the latest salary slips for the past 6 months.