Home Loan Log in Checklist

Customer Name
Lead ID Number
Sales Team Name
Purpose of Loan :
Loan Amount Recommended
Name & number of contact person at
Sales Team
Tick Mark
Applicant Co-applicants /
Guarantors
1 APPLICATION FORM AND FORM 135 :
Application Form (with the co-applicant/ guarantors) duly filled in and signed,
including details pertaining to product / scheme / insurance etc
Recent passport size photograph of borrower / co-borrower affixed on
application form / form -135.
Details on Application Form are matching with KYC Documents ( e.g. Name,
Address , DOB etc )
All the pages of application and From 135 is legible and readable
All the pages of the application form should be duly signed; place, date etc are
duly filled in
2 KYC AS PER BANK GUIDELINES
Pan Card
Aadhaar Card/ Driving License/ Passport/ Voters ID
2) KYC documents are duly attested by applicants of the loan
3) KYC documents - OSV done by Bank official with sign, name & EC no.
Employee ID Card
All the documents are legible and readable
3 EMPLOYMENT/ INCOME RELATED/ BUSINESS RELATED DOCUMENTS
For salaried(Self Attested)
3 months latest payslip
Latest form 16 (Both Part A and Part B)
Salary account statement (Net salary in payslip and statement should match)
Salary certificate duly signed by the employer with details of deductions (in case
the salary slip is not available)
For Self Employed
Last two years ITRs with assessment order
6 months Bank Account Statement (Business and Individual)
Proof of business for each head of income shown in the assessment order (In
case any proper proof of business is not available, branch may give
recommendation letter duly verifying the activity of the applicant/s, and confirm
whether the activity and income is satisfactory and recommend to consider the
income for eligibility), Income Documents verification by CPV/CA/Bank Official
4 Bureau Reports
CIBIL
Equifax
Any Write off/ settlement/ adverse remarks in above reports
If Yes Justification Submitted by Sales Head
5 Pre-Sanction Report / CPV by Bank Official or Agency
Property inspection by Bank officer with boundary and recommendation for
sanction from PSI angle
 Address verification
Employment verification
6 TCR Report ( Title Clearance Report )
1) TCR is in Prescribed Format from Empanelled Lawyer (19 point format as per circular
BCC/BR/111/97, Annexure 21 (b))
2) Copy of all documents which are mentioned in TCR are available
3) Report should cover all vital information and clarification if any ( Property
Description/Survey No./ Status of Property i.e. Marketable & Enforceable/Litigation & Charge
details/POA transaction etc )
4) Whether tracing is done for 30 years, if not reason is specified
5) Whether the legal opinion is based on the original title deeds, sale agreement and other
property related documents (not applicable if property is already mortgaged)
7 Valuation Report
1) Valuation Report is in Prescribed Format from Empanelled Valuer
2) Report covers all basic information like - Year / Date of Construction or Purchase, Age of the
Property , MV/RC/DV/ Govt Value , Structure Soundness Certificate (Prop > 20 years old),
Occupancy details, Residual Property Life, Property Photographs, Approved Plan details etc,
deviation in sanction plan if any etc.
3) Valuation Report duly signed by Authorised Agency Personnel with Stamp
4) Valuation Report is signed by Bank Official / Sales Head with remarks -"Seen & Noted"
8 Property Documents -
Sale Agreement/ Construction Agreement/ Construction estimate (duly vetted by panel valuer)
Copy of title deeds and prior deeds
EC for 30 years
Tax receipts and mutation details
Approved plan/ Rough plan
Building permit
Layout approval
9 Additional for Takeover / BT Cases
Existing Loan Account Statement/ SOA for Last 1 Years
LOD in respect of property documents submitted to Bank / FI duly acknowledged by Bank / FI-
Sanction Letter & Repayment Schedule / Amortisation Chart
Foreclosure Letter ( For Outstanding Loan Amount )
Legal Opinion should be based on the certified copies of the title deeds
If takeover without income document scheme, confirm all the criteria’s as per scheme is
complied with.
10 Other Documents / Requirements
POA wherever applicable/ available
Approval of POA by concerned authority
Copy of In - Principle Sanction Letter , if already approved earlier
Criteria for PMAY application are met as per NHB guidelines ( EWG / LIG / MIG-1 / MIG-2 )
Notarised Affidavit applicable in PMAY Loans in format given in circular BCC/BR/111/97
Whether the project is RERA complied, Project Approval Note
Special Remarks Like GCLI and EMI Date:
We hereby confirm that we/Our Team have verified all above documents along with originals and confirm the
genuineness of the same while uploading. The photocopies of all the relevant documents scrutinized by the
advocate are held on our record. We therefore recommend to sanction Housing Loan of Rs._____________ to
Mr./ Mrs._________________________________________________________ for a period of _________
months with _______ months moratorium.

Signature
(Name : )
Sr. Manager, Sales Head ________________________
Date:

Note: The above check list should accompany each proposal.

Please follow the below mentioned guidelines

1. Particulars of dependents and legal heirs are mentioned invariably in application form / Form 135
2. Upload the overseas credit report of the applicant in all cases invariably.
2. Particulars of immovable and movable assets and their value are to be furnished in the application form
3. Bank statement wherein salary of the applicant/co applicant is being credited is to be furnished
4. Pre Sanction Inspection/CPV should cover Residence, Work Place/Business Place and Security offered to Bank
5. In case of take over Bank's letter should mention the securities held by them, present outstanding and their willingness
to hand over the documents to our bank on adjustment of dues.
6. In case Power of Attorney is given by applicant, the same should be approved by Regional Head/Zonal Head

Important:

1. All Photo copies are to be self-attested by the customer and OSV (Originals Seen and Verified) done by our
Bank’s official with his signature Name, EC No., and stamp (or) they should be duly notarised
2. Power of Attorney (POA) should be attested by our country’s consulate abroad or Registered with SRO (Not
by Notary).
3. PSI of the property should contain details of property such as complete address, boundary details, land mark,
status of construction level, marketability and recommendation to consider from PSI angle