UCO BANK

NRI HOME LOANS PHOTO PHOTO

APPLICANT CO-APPLICANT

APPLICATION FORM FOR NON-RESIDENT INDIANS APPLICANT CO-APPLICANT

Please complete all sections in BLOCK letters √ Boxes wherever applicable

APPLICANT CO-APPLICANT
Name Surname ______________ Surname ______________
First Name ______________ First Name ______________
Middle Name ______________ Middle Name ______________

Date of Birth ____/____/______ (DD/MM/YYYY) ____/____/______ (DD/MM/YYYY)

Sex Male □ Female □ Male □ Female □

Marital Status Married □ Unmarried □ Other □ Married □ Unmarried □ Other □
No. of Dependents Children _____ Others ______ Children _____ Others ______

Religion Hindu □ Muslim □ Hindu □ Muslim □

Neo Buddhist □ Christian □ Neo Buddhist □ Christian □
Personal Details

Zoroastrian □ Sikh □ Others □ Zoroastrian □ Sikh □ Others □

Category SC □ ST □ General □ SC □ ST □ General □

Status Resident □ Non-Resident
Current Residential P.O. Box __________________
Address __________________________
__________________________
____________ Pin __________
Tel._________ Fax __________
E-mail ____________________
□ Resident □ Non-Resident □
P.O. Box __________________
__________________________
__________________________
____________ Pin __________
Tel._________ Fax __________
E-mail ____________________

Residential Address __________________________ __________________________

In India __________________________
__________________________
Dist __________ Pin_________
Tel._______________________
Owned □ Rented
Qualifications
__________________________
__________________________
Dist __________ Pin_________
Tel._______________________
□ Owned □ Rented □
Specialisation Specialisation

Professional □ __________ Professional □ __________

Post-Graduate □ __________ Post-Graduate □ __________
Graduate □ __________ Graduate □ __________
Under-Graduate □ __________ Under-Graduate □ __________

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 APPLICANT CO-APPLICANT
Occupation Salaried Salaried

Multinational □ □
Public Ltd. Co. Multinational □ □
Public Ltd. Co.
Govt./Public Sector □ Pvt Ltd Co □ Govt./Public Sector □ Pvt Ltd Co □
Partnership □ Proprietorship □ Partnership □ Proprietorship □
Others □ Others □

Self-employed Self-employed
Personal Details

Manufacturing □ Trading □ Manufacturing □ Trading □

Services □ Others □ Services □ Others □
Current Amount Source Current Amount Source

Monthly Income ________ ________ ______ ________ ________ ______

Other Monthly ________ ________ ______ ________ ________ ______
Income

Employers’ Name ____________________________ ____________________________

Employer/Business P.O. Box ____________________ P.O. Box ____________________

Address ___________________________
___________________________
____________ Pin ____________
Tel._________ Fax ____________
E-mail ______________________
____________________________
____________________________
____________ Pin ____________
Tel._________ Fax ____________
E-mail ______________________

No. of years in
Service abroad ____________________________ ___________________________

No. of years in
present __________ Yrs. ____________ __________ Yrs. ____________
occupation /company

Age of Retirement __________ Yrs. ____________ __________ Yrs. ____________

Designation __________________________ __________________________

Department ___________ Employee No.______ ___________ Employee No.______

Mailing Address POA □ Domestic Resi. □ POA □ Domestic Resi. □

Past employment details of the last five years:

Applicant Country Name of Company Designation No. of Yrs. Annual

Salary
_______ _______________ _________ _______ _________
_______ _______________ _________ _______ _________
_______ _______________ _________ _______ _________
_______ _______________ _________ _______ _________
_______ _______________ _________ _______ _________
Co-Applicant _______ _______________ _________ _______ _________
_______ _______________ _________ _______ _________
_______ _______________ _________ _______ _________
_______ _______________ _________ _______ _________
_______ _______________ _________ _______ _________
Power of Attorney/
Guarantor Details

Power of Attorney in India Guarantor in India

Name Surname __________________ Surname __________________

First Name __________________ First Name __________________
Middle Name __________________ Middle Name __________________
Age __________________ Age __________________

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 Address _______________________________
_______________________________
___________________Pin._________
Tel.__________ Fax______________
E-mail__________________________
REFEREES DETAILS
_______________________________
_______________________________
___________________Pin._________
Tel.__________ Fax_______________
E-mail__________________________

Referees Name _______________________________ _______________________________

Referees Address _______________________________ _______________________________

in India _______________________________
_______________________________
______________ Pin _____________
Tel (O) _________ (R) ____________
Fax ___________________________
_______________________________
_______________________________
______________ Pin _____________
Tel (O) _________ (R) ____________
Fax ___________________________

At least one referee has to be a relative

REQUESTED

Amount Requested (Rs.)________________________________ Term:__________________ years

□ □ □
LOAN

Type of Loan applied: Fixed Variable Others _______________

For: Purchase Construction □ Self-Construction □ Extension □ Land □ Enhancement □ Others_____
Monthly Expenditure (Rs.)_______________________ Instalment you can pay (Rs.)__________ p.m.
REPAYMENT

□ □
MODE OF

Deduction of monthly instalment by Post-dated Cheques Standing instruction to Bank

Estimate of required Funds (In Rs.) Estimate of sources of funds (In Rs.) (In Rs.)

Total Purchase Cost __________ Loan Requested __________

Construction Cost __________ Own Contribution
LOAN DETAILS

Incidental Costs __________ Amount already spent _________

Other Amenities __________ Source
• Savings _________
• Investments _________
• Personal Loans _________
• Source _________
__________ • Others _________ __________

Total (A): __________ Total (B): __________

Note: Total (A) (requirements of funds) should equal Total (B) (source of funds)

Assets Denote Currency_____ Liabilities

Applicant Co-Applicant Applicant Source EMI Loan Bal. Months
Savings in Bank
FINANCIAL DETAILS

• NRE _______ _______ House _____ _____ _____ _____

• NRO _______ _______ Car _____ _____ _____ _____
• Others _______ _______ Bank _____ _____ _____ _____
Other Properties _______ _______ Others _____ _____ _____ _____
Shares & Securities _______ _______ Co-Applicant
Other Assets _______ _______ House _____ _____ _____ _____
_______ _______ Car _____ _____ _____ _____
_______ _______ Bank _____ _____ _____ _____
_______ _______ Others _____ _____ _____ _____
CREDIT CARD
DETAILS

Do you have a Credit Applicant Co-Applicant

Card? If yes, Card No. ___________ Card No. ___________
Issuing Bank ___________ Issuing Bank ___________
Type of Card ___________ Type of Card ___________

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 Details of Property to be purchased/constructed/extended

Address __________________________ Builder and Project _____________________

PROPERTY DETAILS

__________________________ Built-up Area/Land Area _______________ sq. ft

Dist____________ Pin ________ Property is Resale □ Ready □ Under Construction □
State______________________ Stage of Construction/Extension _______________
Nearest Landmark ___________ Expected time of completion ____/____/_______

Is this project approved by UCOBANK? Yes □ No □

Do you propose to use this house for: Settling down yourself □ Settling family □
Renting □ Investment □
If rented, expected rent Rs. _______________________

Purchase Agreement will be in the name of _____________________________________________

Name of Accountholder Name of Bank Branch Type of A/c. Accoun Banking

BANK A/C DETAILS

NRE NRO Others t No. Since

1.
2.
3.
Post-dated cheques/standing instruction from account 1 □ 2 □ 3 □

Have you or your spouse earlier applied to UCOBANK for a loan? Yes □ No □
If yes, Loan Details

Are you a UCO Bank Shareholder? Yes □ No □ If yes, Folio No.____

GENERAL

Are you a UCO Bank Account-holder? Yes □ No □

If yes, Name of Branch and A/c No. ___________________________

Have you or your spouse given guarantees for any borrower of Yes □ No □
UCO Bank?

If yes, Loan Guarantee Details _________________________________________________________

I/We declare that all the particulars and information given in the Application Form are true, correct,
complete and up-to-date in all respects and I/We have not withheld any information. I/We confirm that
I/We have had no insolvency proceedings initiated against me/us nor have I/We ever been adjudicated
insolvent. I/We have read the Application Form and am/are aware of all terms and conditions of availing
finance from UCO Bank. I/We authorize uco Bank or its agent to make references and inquiries relative
to information in this application which UCO Bank considers necessary. I/We also authorize UCO Bank to
DECLARATION

exchange, share part with all information relating to my/our loan details and repayment history
information to other Banks/Financial Institutions/Credit Bureaus/Agencies as may be required and shall
not hold UCO Bank liable for use of this information. I/We undertake to inform UCO Bank regarding
change in my/our residence/employment and to provide any further information that UCO Bank may
require. I/We further agree that my/our loan shall be governed by the rules of UCO Bank which may be
in force from time to time. UCO Bank reserves the right to reject any application without providing any
reason.

I/We understand certain particulars given by me/us are required by the operational guidelines governing
banking companies.

Applicant’s Signature ___________________ Co-Applicant’s Signature ________________________

Place Place
Date Date

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 LIST OF DOCUMENTS REQUIRED FOR LOAN APPLICATION
(All documents are to be translated in English by court approved translator,
if in any other language.)

DOCUMENT APPLICANT CO-APPLICANT

Bank cheque/ draft Required from NRE/ NRO a/c in INR
ONLY (payable to UCOBANK)
Proof of Age & Signature Valid Passport copy required Valid passport copy is required in
Proof case of NRI. In case of a resident
Indian, copy of any one of the
following is required: (driving licence,
birth certificate, PAN card, LIC Copy)
Valid Visa Valid visa is required Valid visa is required in case of NRI.
In case of a resident Indian, any one
of the above is required
Bank Details Last 6 months bank statements are Same as Applicant
required that clearly reflect the
salary credits
Employment Details for Latest Salary certificate is required Same as Applicant
Salaried Individuals clearly mentioning the date of
joining, the salary earned & the
current designation held.

Copy of the appointment letter is

required from current employer.

Copy of the last 6 months pay slips is

required.

Copy of the work permit/ labour

card/ identity card is required, where
applicable.
Employment Details for Last 3 years Income Tax returns as Same as Applicant
Salaried Individuals filed in the corresponding years. (For
eg: W-2 in case of USA)
Employment Details for Self Last 3 years copy of the audited Same as Applicant
Employed Individuals Profit and Loss account

Last 3 years copy of the audited

Balance Sheet

Last 3 years Income Tax returns as

filed in the corresponding years

Bank statements for the last 6

Merchant Navy Individuals
Utility Bills
Authority Letter
(Draft Attached)
Power of Attorney
(Draft Attached)
months in the business name as well
as Personal name.
Copy of the CDC (Continuous
Discharge Certificate)
Copy of Utility Bill
This letter is required from all the
USA based customers.
Copy of the Power of Attorney as per
our format has to be duly executed
and has to be authorized by an
official of the Indian Embassy/
consulate/ Trade commissioner of
India in the country of your
residence. The same has to be given
post sanction and prior to the
disbursement of the loan.
Same as Applicant
This letter from all the USA based
customers.
Copy of the Power of Attorney as per
our format has to be duly executed
and has to be authorized by an
official of the Indian Embassy/
consulate/ Trade commissioner of
India in the country of your
residence. The same has to be given
post sanction and prior to the
disbursement of the loan.

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 POWER OF ATTORNEY

INSTRUCTIONS

(WHEN POWER OF ATTORNEY IS EXECUTED IN INDIA

BY NON-RESIDENT INDIANS)

The Power of Attorney is to be executed on a non-judicial stamp paper of the requisite value as per
the stamp duty prevalent in the respective State in India.

Each page of the Power of Attorney is to be signed and wherever the blanks are filled in initialed by
the Grantor (applicant executing the POA). The POA should be signed by the Attorney on the last
page.

It is mandatory that the Power of Attorney should be notarized by a Notary Public.

(WHEN POWER OF ATTORNEY IS EXECUTED OUTSIDE INDIA

BY NON-RESIDENT INDIANS)

The Power of Attorney should be first typed on a plain sheet of paper. Each page of the Power of
Attorney is to be signed and wherever the blanks are filled in initiated by the Grantor (applicant
executing the POA).

The signature of the Grantor should be attested by any authorized official of the Indian Embassy /
Indian Consulate / Trade Commissioner of India in the country where the Grantor resides.

The POA is then sent to India where the Attorney signs the POA on the last page. The POA then
needs to be stamped and notarized by the Notary Public.

Note –

Once POA has been granted, all documents must be signed by the Attorney holder as follows:

For and on behalf of Mr. __________________________ (name of customer)

Through duly authorized POA-holder Mr./Mrs. _____________ (name of POA) Vide POA dated
_________ (date of POA document)

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 DRAFT GENERAL POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS THAT I/WE _________________ (“the Grantor”), residing at
________________________________________ DO HEREBY APPOINT AND CONSTITUTE
_____________________, son/daughter of _________________________ (hereinafter called
‘Attorney’ who has subscribed his/her signature hereunder in token of identification) and at present
residing at ______________________________________ to be my/our lawful Attorney in my/our
name and on my/our behalf to do any one or all of the following acts, deeds and things, namely:-

1. To apply for a loan/s under the various schemes of UCO Bank (a Public Sector Bank, having its
Corporate Head Office at 10 B. T. M. Sarani, Kolkata-700001) (hereinafter referred to as UCO)
as also any further or additional loan/s to UCO for such amount as the Attorney may deem fit
and for that purpose to pay the processing fee/s and sign the loan application/s in my/our name
and on my/our behalf and to furnish all the details and information required by UCO and to give
any statement, letter, clarification or any other writing required or necessary for availing of the
said loan/s from UCO and from time to time to follow up the said loan application/s and do such
other things and deeds as may be necessary in relation thereto.

2. To accept the sanction letter and sign thereof in token of my/our acceptance of the terms and
conditions therein contained and to handover all the payments made by me/us towards
administrative fees, processing charges and any other charges including commitment charge
leviable in respect of the said loan/s.

3. To request UCO or agree with UCO for any change or modification in the loan amount/s, rate/s
of interest, period of repayment of loan/s or any other terms and conditions in relation to the
loan/s at any time or from time to time.

4. To receive the disbursement of the said loan/s and for that purpose give effectual discharge and
give all the necessary information and documents to assist the Appraisal of the property/ies
purchased /to be purchased with the help of the loan/s.

5. To create such security as indicated by UCO for securing the Loan, in favour of UCO/the security
trustee nominated by UCO on the said property as security for the repayment of the loan/s
granted/to be granted by UCO to me/us.

6. The Attorney is fully authorised to make all statements and convey my/our intentions to create
security on my/our said property/ies or any other property/ies in favour of UCO/the security
trustee nominated by UCO for securing the Loan.

7. He/She is further authorised to make any other statements necessary to create equitable
mortgage by deposit of title deeds and also to execute any writings, undertakings, indemnities,
etc. on my/our behalf in respect of mortgage of the said property/ies or the guaranteeing of the
repayment of the said loan/s any other writings whatsoever required in respect of the said
transactions of the loan/s granted/to be granted to me/us or creation of the said security.

8. He/She is also authorised to execute any loan agreement/s, promissory notes, letter/s of
declaration and indemnity or such other documents as may be required by UCO in respect of the
said loan/s.

9. He/She is also authorised to execute in favour of UCO/the security trustee nominated by UCO an
irrevocable Power of Attorney authorising UCO/the security trustee nominated by UCO to
execute in its own favour or in favour of any other person, as UCO in its sole discretion may
decide, legal mortgage in any form including in the English form of the property/ies.

10. He/She is also authorised to pledge with UCO any share certificates, debentures, bonds, units
issued by United Trust of India, National Savings Certificates, fixed deposits or any other

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 security owned by me/us in favour of UCO by way of security for the said loan/s and to sign any
documents, transfer forms or papers that may be required by UCO in connection therewith.

11. To acknowledge my/our liability/debt in respect of the loan/s.

12. To book a flat/s residential unit/s on my/our behalf either directly or through the agency of
UCO and to execute Agreement/s for Sale for the same with any builder/seller and make
payments to him therefor, and to present such Agreement/s for registration before the
appropriate Registrar/Sub-Registrar of Assurance or any other authority at any place or places in
India as may be necessary. He/She is further authorised to make payments directly to UCO on
my/our behalf for any flat/s / unit/s my/our said Attorney might book through UCO and comply
with such conditions/terms UCO may have in this behalf. He/She is authorised to make such
payments to UCO as may be demanded by UCO by way of service charge etc. He/She is
authorised to execute any agreements, letters and documents as may be required by UCO in
respect of the above.

13. To admit execution of the Agreement/s for Sale before the said Registrar/Sub-Registrar of
Assurance or any other authority as may be required for the purpose.

14. To obtain possession of the flat/s /unit/s as and when the same is ready for occupation.

15. To receive loan/s and all other documents including title documents on my/our behalf from
UCO and execute receipts/therefor.

16. To sign forms, documents and papers required for the purpose of registration on Co-
operative Housing Society or a Limited Company or an Association of Apartment Owners and
become member thereof participating in all the meetings and proceedings from time to time,
obtain share certificates and/or other documents issued in my/our name and hold the same as
my/our Attorney and obtain possession of the flat/s.

He/She is authorised to do all such acts, deeds and things including signing any papers/documents
as are necessary and incidental to the above AND that any act or statement or writing of my/our
said Attorney in pursuance hereto shall be deemed to be fully authorised and ratified by me/us.

Dated at ________ this _______ day of __________20___.

_______________________________
Signature of Grantor/s

(To be attested by any authorised official of the Indian Embassy/Indian Consulate/Trade

Commissioner of India)

________________________________
Signature of the Attorney

(To be notarized by a Notary Public)

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 Draft Authority Letter

Date :

To,

UCO Bank
India

Dear Sirs,

Sub: Authorization for credit verification

With reference to my/ our application for a home loan to finance an immovable property in India,
I/we understand that UCO Bank may seek a report about my/our credit history in the United States
of America (USA).

Specifically, we understand that UCO Bank may seek such a credit report from Trans Union or other
similar provider of credit information in the USA. I/we hereby give you an authorization and consent
for the same.

I/we further understand that, upon my/our written request submitted to UCO Bank, India, I/we
may be informed of whether or not a credit report was ordered and, if it was, the name and address
of the consumer reporting agency that furnished the report.

I/we understand that this authorization and consent to your seeking a credit report does not
constitute an offer by UCO Bank to provide a home loan to me/ us. I/we further agree to hold UCO
Bank and its officer, directors and employees harmless in connection with the activities related to
obtaining and reviewing such credit report and accompanying information.

Thanking you,

Yours faithfully,

------------------------------- -----------------------------------
Signature of Applicant Signature of Co-Applicant

-------------------------------- -----------------------------------
Social Security No.(SSN) Social Security No.(SSN)