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Here are a few factors
Required Documents to Apply for Karnataka Bank Home Loan
Salaried income documents
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KYC of applicant & Co-Applicant
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Last 3 Month Salary Slip of Applicant
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Last 12 month Bank Statement of applicant & co-applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 2 Year Form 16 of applicant
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26AS of last 2 year of applicant & co-applicant
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Appointment letter of applicant if available
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Agreement to Sale if purchase case
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Property Paper with complete chain of last 13 years
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Approved MAP of Property if available
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Latest utility Bill if owned residence or rent agreement if rented
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2 Reference with contact details
Self Employed person documents
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KYC of applicant & Co-Applicant
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Last 3 year ITR with computation of income of applicant & co-applicant
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Last 3 year audited balance sheet of applicant
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Last 3 year Tax audit report of applicant
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Last 12 month Bank Statement of applicant & co-applicant
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26AS of last 2 year of applicant & co-applicant
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Copy of GST registration
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Copy of MSME registration
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Copy of Last 12 month GST return
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Agreement to Sale if new purchase case
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Property Paper with complete chain of last 13 years
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Approved MAP of Property if available
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LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
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Sanction letter of all running loan
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Debt Sheet
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Latest utility Bill of residence if owned or rent agreement if rented
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Latest utility Bill of Office if owned or rent agreement if rented
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2 Reference with contact details
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Last 3 year Debtors & Creditors on letter head
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List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP
Some Important Points
If Applicant is
- Company-MOA, AOA, COI , PAN Card
- Partnership Firm/LLP- Partnership Deed & PAN Card
- Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
- KYC means Adhaar Card, PAN Card, Passport Size Photo
Co-Applicant means in case of
- Company : Directors
- Partnership firm/LLP : Partners
- Proprietorship Firm : Spouse of Proprietor
3. If applicant is professional, then his professional degree is required
About Karnataka Bank Home Loan
Everyone's dream is to own a home. Everyone longs for it and has dreams or concepts for their ideal house. A person used to labour and save money in the past when the cost of land was relatively lower in order to pay the entire price for the property out of pocket.
Today's housing prices are so high that few people can afford to buy a home outright without taking out a mortgage loan from a bank.
Have you chosen to buy a property and are wanting to apply for a home loan from the Karnataka Bank? It would be wise to learn about the costs associated with borrowing money before applying. Utilize the Karnataka Bank Home Loan EMI Calculator. By planning your spending and ensuring a seamless loan payback, you can have an idea of the planned EMI in advance.
Start with Aditya Birla Personal Loans in few steps
If you are planning to apply for a personal loan at Aditya Birla there are certain details that you should be aware of, Let’s discuss:
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, the amount will be disbursed to your account shortly.
FREQUENTLY ASKED QUESTIONS
On their official site or by going to the neighbourhood branch, you may apply for a house loan with Karnataka Bank.
You can bargain with the bank for a higher loan amount if you have strong credit, a high salary, and employment with a reputable firm. If you co-borrow the loan, your combined salaries may be able to secure you a larger loan amount. The final alternative is to apply for a top-up loan, which is achievable with strong bank standing and a track record of on-time EMI payments.
Karnataka Bank Home Loan payments can be made through standing instructions, electronic clearing services, or post-dated cheques.
You may use the online Karnataka Bank home loan EMI calculator to figure out your monthly installments by going to the bank's official website. To receive the results, just choose your loan amount, term, and current interest rate. Try a variety of arrangements with various interest rates, loan terms, and loan amounts to compare and assess which option is best for you.
Housing loans from the Karnataka Bank may need a minimum of ten working days for processing.
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