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Bank Loan - Terms & Conditions
 

CHECK LIST FOR BANK LOAN

Applicant has to submit the following along with bank Loan Application

  • 3 passport size photograph of Borrower/Co-borrower.
  • Salary certificates for the last 3 months with deductions of Borrower and Co-Borrower
  • Form-16/Tax Return duly acknowledged by ITO of the last 2 years for Employees and Tax duly acknowledged ITO with computation of income and photo copies of IT Challans paid for past 3 years for Self employed/Professionals.
  • Proof of identity: Passport,copy of voter ID Card, PAN card , Dept. ID OR Card/Driving License.
  • Proof of Residence: Xerox copy of Telephone Bill/Electricity Bill/Gas consumer allotment letter/property Tax receipt/ Ration Card/Water tax receipt).
  • a)Business Address proof for Non-salaried Individuals :Telephone Bill/electricity Bill etc.
  • Business Establishment proofmunicipal License/Firm Registration/VAT Registration/any other proof.
  • Copy of Bank Statement for the past 6 months Of salaried, bank account statement where salary credited).

LOAN AMOUNT:

For Salaried persons

  • Below 45 years -- 60 times of net salary
  • Above 45 years -- 48 times of net salary

For others (Business/self employed):

  • Below 45 years -- 5 times of Net Annual Income.
  • Above 45 years -- 4 times of Net Annual Income

In both the cases:

  • In addition, in order to increase the loan component, spouse income and expected rental income also can be included.

REPAYMENTS

  • Up to 45 years of age -- in 20 years
  • Above 45 years of age -- in 15 years.

SPECIAL CONCESSION IN RATE OF INTEREST 0.50% TO RAJIV SWAGRUHA BENEFICIARIES OVER AND ABOVE ANNOUNCED CARD RATE TO THE GENERAL PUBLIC

Proposed monthly rental income on the flat (applied for) will be taken for loan component, which will be fixed basing on the location of the project.

  • NO PROCESSING CHARGES
  • NO LEGAL CHARGES
  • NO PRE-CLOSURE CHARGES

APRSCL AS FACILITATOR

Further negotiating with banks for further benefits , which will be passed on to the beneficiareis as and when permitted by the banks.

IN CASE OF NEED CONTACT :

Mr. Rama Krishna Reddy
Public Relations Officer
APRSCL
Mobile: 09959989434


Bank Loan - Terms & Conditions - Senior Citizen Projects
 
CHECK LIST FOR BANK LOAN

Application has to submit along with Application

  • Loan Application duly filled in.
  • 3 passport size photograph of Borrower/Co-borrower.
  • Copy of pension order and pension pass book.
  • Proof of identity:Passport copy, voter ID Card , PAN card , Dept. ID Card/Driving License).
  • Business Address proof for Non-salaried Individuals :Telephone Bill/electricity Bill etc.
  • Business Establishment proof:municipal License/Firm Registration/VAT Registration/any other proof.
  • Copy of Bank Statement for the past 6 months (for pensioners bank statement from where pension is being credited).

Details of co-applicant.

  • 3 passport size photographs.
  • proof of Identity/residence/income.
  • relationship with borrower


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