The challenge of buying a home for the first time can seem so daunting that it’s catching to either just go with the first house that falls in your price range.

But nowadays buying any type of property like a commercial, residential or industrial is very easy because of no. of a bank or financial institutes which offer loan. Sometimes as per criteria rates may vary but it remains more or less the same.

We give below the eligibility criteria as followed by the Banks/ FI’s “UNISON GROUP”. Commercial projects are approved by all Nationalized & Private Banks and Financial Institutions.

ELIGIBLITY TO APPLY FOR HOME LOAN

  • Salaried individuals
  • Self-employed professionals/businessmen
  • NRIs Income of spouse/parents/children as co-applicant can be added if you require higher eligibility subject to maximum of three

NRI CUSTOMERS

  • Application form with photograph
  • Photocopy of the Employment Contract or Labour Contract and English translation
  • Countersigned by your Employer

SELF EMPLOYED PROFESSIONALS

  • Application form & photograph
  • Last 6 months bank statements
  • Processing fee cheque
  • Form 16 Last 3 years Income Tax returns (self and business) Business profile

SELF EMPLOYED BUSINESSMAN

  • Application Form & photograph
  • Last 6 months bank statements (self and business)
  • Processing fee cheque
  • Last 3 years Profit /Loss and Balance Sheet
  • Last 3 years Income Tax returns (self and business)
  • Last 3 years Profit /Loss and Balance Sheet

SALARIED CUSTOMERS

  • Application form with photograph
  • Identity and Residence Proof
  • Latest Salary-slip (For employed)
  • Education Qualifications Certificate.
  • Form 16 for last three years
  • Last six months bank statement
  • Processing fee Cheque
  • Education Qualifications Certificate.

LATEST SALARY CERTIFICATE

  • Application form with photograph, Date of joining, Designation
  • Passport Number, Perquisites and salary, Photocopy of Identity card / Labour card
  • Photocopy of latest work permit, Photocopy of valid resident visa stamped on the passport
  • Overseas Bank Account and NRE/NRO statement for the last 1 year.
  • Continuous Discharge Certificate (CDC)- if applicable
  • Latest Credit Bureau Report [Applicable to customers residing in countries where Credit Bureaus exists. eg. USA, UK etc.]
  • Property related documents, Processing fee cheque