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What are the Documents Required for a Housing Loan in JK Bank?

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0 2024-09-12T23:55:40+00:00
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To apply for a housing loan from Jammu & Kashmir Bank (JK Bank) in India, several documents are required to assess your eligibility and process the application. Below is a comprehensive list of the essential J&K Bank home loan documents required:

  1. Proof of Identity: Valid identity proof is mandatory. You can submit any one of the following:

    • PAN Card

    • Aadhaar Card

    • Voter ID

    • Passport

    • Driving License

  2. Proof of Address: You need to provide any of the following documents for address verification:

    • Utility bills (electricity, water, or telephone)

    • Aadhaar Card

    • Passport

    • Rent agreement (if applicable)

  3. Income Proof: To determine your repayment capacity, the following income documents are necessary:

    • For salaried individuals: Salary certificate for the last 3 months, Form 16, and bank statements for the past 6 months.

    • For self-employed individuals: IT returns for the past 2 years along with Form 16, profit and loss statements, two years Audited or Actual Balance Sheets.

  4. Property Documents: These are required to verify the property being purchased:

    • Sale agreement or allotment letter

    • Property title deed

    • Approved building plan

    • NOC from the builder or society

  5. Photographs: Passport-sized photos of the applicant and co-applicants.

  6. Employment Proof: For salaried individuals, an employment verification letter or offer letter from the current employer may be required.

This list of documents ensures that JK Bank can process the home loan application smoothly and verify all the necessary details for approval. I hope your query should be solved.

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Akanksha MBA finance

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