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Housing Loan

  1. Beneficiary – Those who wants to construct House / Flat / Bungalow, purchase new House / Flat or repairing of House / Flat.
  2. Sanctioning Limit – One can avail this type of loan facility after fulfilling necessary formalities and documents from Rs. 50,000/- upto  Rs. 25,00,000/- depends upon the income source, lien offered  and repaying capacity of the borrower at the prevailing rate of interest decided by the Bank.
  3. Criteria to avail Housing loan
  4. Borrower should be member / shareholder of the bank.
  5. If any one who is not shareholder of the Bank and wants to avail the loan, he has to become shareholder by depositing Rs. 1,010/- towards membership.
  6. The 2.5% amount of the sanctioned loan is to be deducted as share amount and for without security loan, 5% amount of the sanctioned loan is to be deducted as share amount.
  7. Borrower should submit his photograph, residential proof, income proof, financial statements etc.
  8. 2 shareholder alongwith their income proof, financial statement, photograph, address proof etc. is required as guarantors for the said loan.
  9. Borrower should give advance cheques to Bank for repayment purpose.
  10. The repayment of loan is on EMI (Monthly Installment) basis.

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Housing Loan
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