A bigger, better home with CITI bank home loans .The bank offers loans for loans for built property as well as under construction property. Salaried persons should have at least Rs 1,00,000 gross income per annum and minimum age at least 23 years to be eligible for the loan, maximum age should be 65 or retirement age. Self-employed gross annual income should be Rs 85,000. The age limits are the same as salaried class.
Citibank Home Loan
Citibank Offers a Home Loans with low Documents and Offers. Compare Citibank Home Loans with SBI, HDFC, ICICI, LIC Housing. Know about Eligibility, Documents and interest rates of Citibank India.
Features
• Attractive Home Loan Rates
• Loan up to Rs. 5 Crore
• Flexible repayment tenure up to 25 years
• Loans up to 89% of the property value
• Flexibility to pay interest only during construction period
Home Loans available for
• Purchase of Ready Property
• Self-Construction
• Purchase of Plot and Self-construction
• Transfer of your existing Loan availed from other institutions
What is the age requirement for availing Home Loans?
• The main applicant has to be 23 years of age and coapplicant should be 21 years of age when the home loan is sanctioned
• Maximum age on loan maturity should not exceed 65 years
Co-borrowers to the loan can be
• All property owners
• All income considered borrowers
• In case of partnership firm – the key partner
• In case of companies – all shareholders holding 76% shares of the company.
Documents required for Salaried Individuals
• Salary slip not older than 60 days
• Bank statements for last 3 months not older than 90 days
• Work experience proof (required for 2 years)
• Photograph for all individuals
• Date of birth proof for all individuals
• Signature verification proof for all individuals
• Residence address proof for all individuals
• Business address proof for all self-employed customers
Documents Required for Self-Employed
(Required for 2 years)
• Income Tax Return
• Computation of income for tax purposes
• Financials (Balance Sheet / Profit and Loss Account along with all Schedules)
- Attested by Chartered Accountant
• Bank statements for last 3 months not older than 30 days
• Business continuity proof for 3 years
• Photograph for all individuals
• Date of birth proof for all individuals
• Identification proof for all borrowers
• Signature verification proof for all individuals
• Residence address proof for all individuals
• Business address proof for all self-employed customers
Companies
• Memorandum & Articles of Association
• Certificate of Incorporation
• CA certificate for list of directors and list of shareholders along with shareholding pattern
Partnership Firm
• Latest partnership deed
• CA certificate for list of partners along with profit sharing ratio
Property Documents
• Photocopies of title deeds, agreement to sell, encumbrance certificate
• Approved plans and clearance certificates from authorities
• Allotment letters and / or by-laws of the co-operative society / Association of apartment owners.
Citibank Home Loan
Citibank Offers a Home Loans with low Documents and Offers. Compare Citibank Home Loans with SBI, HDFC, ICICI, LIC Housing. Know about Eligibility, Documents and interest rates of Citibank India.
Features
• Attractive Home Loan Rates
• Loan up to Rs. 5 Crore
• Flexible repayment tenure up to 25 years
• Loans up to 89% of the property value
• Flexibility to pay interest only during construction period
Home Loans available for
• Purchase of Ready Property
• Self-Construction
• Purchase of Plot and Self-construction
• Transfer of your existing Loan availed from other institutions
What is the age requirement for availing Home Loans?
• The main applicant has to be 23 years of age and coapplicant should be 21 years of age when the home loan is sanctioned
• Maximum age on loan maturity should not exceed 65 years
Co-borrowers to the loan can be
• All property owners
• All income considered borrowers
• In case of partnership firm – the key partner
• In case of companies – all shareholders holding 76% shares of the company.
Documents required for Salaried Individuals
• Salary slip not older than 60 days
• Bank statements for last 3 months not older than 90 days
• Work experience proof (required for 2 years)
• Photograph for all individuals
• Date of birth proof for all individuals
• Signature verification proof for all individuals
• Residence address proof for all individuals
• Business address proof for all self-employed customers
Documents Required for Self-Employed
(Required for 2 years)
• Income Tax Return
• Computation of income for tax purposes
• Financials (Balance Sheet / Profit and Loss Account along with all Schedules)
- Attested by Chartered Accountant
• Bank statements for last 3 months not older than 30 days
• Business continuity proof for 3 years
• Photograph for all individuals
• Date of birth proof for all individuals
• Identification proof for all borrowers
• Signature verification proof for all individuals
• Residence address proof for all individuals
• Business address proof for all self-employed customers
Companies
• Memorandum & Articles of Association
• Certificate of Incorporation
• CA certificate for list of directors and list of shareholders along with shareholding pattern
Partnership Firm
• Latest partnership deed
• CA certificate for list of partners along with profit sharing ratio
Property Documents
• Photocopies of title deeds, agreement to sell, encumbrance certificate
• Approved plans and clearance certificates from authorities
• Allotment letters and / or by-laws of the co-operative society / Association of apartment owners.
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