loan against property<\/a>. All you have to do is make sure your loan application documents are complete and accurate. When applying for a loan against property, here is a list of documents you should keep:<\/span><\/p>\nFor Salaried Individuals:<\/strong><\/p>\n\n- A copy of the duly filled application form with PAN card\/ Aadhaar card \/Driving License\/Voter ID\/Passport.<\/span><\/li>\n
- Address proof (residence and office) \u2013 Aadhaar Card\/Voter ID or a copy of any utility bill like an electricity bill.<\/span><\/li>\n
- Salary slips for the latest three months.<\/span><\/li>\n
- Bank statements for the last six months reflecting salary obtained and current repayments.<\/span><\/li>\n
- Proof of ownership: Original Property title deed offered as security and other property documents such as Latest maintenance, Water Tax, Municipal Tax, and any other such taxes paid receipt.<\/span><\/li>\n
- Non-encumbrance letter from Co-operative Society (wherever applicable).<\/span><\/li>\n
- Permission to create an Equitable Mortgage from Society or Development Authorities. (wherever applicable)<\/span><\/li>\n<\/ul>\n
For self-employed individuals:\u00a0<\/strong><\/p>\n\n- A copy of the duly filled application form.<\/span><\/li>\n
- Identify proof: PAN card\/ Aadhaar Card.<\/span><\/li>\n
- Address proof residence and office as well – Aadhaar Card\/Voter ID\/ Driving license or a copy of any utility bill like electricity bill.<\/span><\/li>\n
- Income returns filing of the previous three years.<\/span><\/li>\n
- Income certificate issued by a recognized authority like Tehsildar\/ BDO\/ SDO.<\/span><\/li>\n
- Bank account statements for the last six months.<\/span><\/li>\n
- Ownership Proof: Original Property title deeds of the property provided as collateral.<\/span><\/li>\n
- Receipt of payment for the latest water tax, municipal taxes, and other maintenance taxes.<\/span><\/li>\n
- Non – Encumbrance letter issued by your housing society.<\/span><\/li>\n
- No objection letter from your housing society for a mortgage.<\/span><\/li>\n<\/ul>\n
Conclusion<\/b><\/p>\n
Understanding various documents required while applying for a loan can really make the process smooth for you. In many cases, people having proper documentation can easily pass through the screening process of loan applications and get them approved without any hurdles. So if you are applying for a loan, keep it in mind.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"Looking for a loan? Here are some of the important documents that you need before and after applying for a loan. We may not always have enough money to buy what we want, be it…<\/p>\n","protected":false},"author":2,"featured_media":272,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10,7],"tags":[24,23],"class_list":["post-186","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-loans","tag-kogtafinancial","tag-loan-agains"],"acf":[],"yoast_head":"\n
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![\"Documentation](\"https:\/\/kogta.in\/blog\/wp-content\/uploads\/2022\/10\/applying-for-loan-1.jpg\")
<\/p>\n![\"Documentation](\"https:\/\/kogta.in\/blog\/wp-content\/uploads\/2022\/10\/applying-for-loan-2.jpg\")
<\/p>\n![\"Documentation](\"https:\/\/kogta.in\/blog\/wp-content\/uploads\/2022\/10\/allpying-for-loan-3.jpg\")
<\/p>\n