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:
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
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)
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.
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
Photographs: Passport-sized photos of the applicant and co-applicants.
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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What are the Documents Required for a Housing Loan in JK Bank?
yuvi
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2024-09-12T22:52:29+00:00 2024-09-18T09:24:30+00:00Comment
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