‘The Jammu & Kashmir Bank Limited 3 APPRAISAL CUM (GENERAL PUBLIC Ref. No. JKB/HRHAND/ADV/HL/2023 ANCTI ON LETTER FOI S/O ‘Name of the Applicant (S) Residential Address. Occupation {0550040100004143 46 years 09 months: 13 years 03 months SCFC Division poburo langate ‘Gross-Rs.51882/=Net=Rs.37780/= “Term Loan / Non priority (0550-26415-26 of Rs.0.42 lacs BOS of R5 0.36 Lacs Construction of 2 storey oF already constructed resid RS20.32 lacs as per estimation report prepared b 08/07/2023 2 ‘Amount of Loan Requested 11% already invested/ineurred in part of consruton= Rs.18.00 lacs, ‘Amount of _——_Toan | Inome (gross) Proposed/eligible less 35% susten for(Caleulated on basis of other loan deductions tentative pension to be] {ess other deductions received afler | Proposed installment superannuation) Limit interest (Floating) period ‘Moratorium ‘Loan Tenure | Repayment Period 12 years (144 months 6 months, 150 months Mode of Payment Monthly. Rate of Interest HRLLR(Present effective 9. Toa lus under JK Bank Housing loan sch been linked to parameters like b« Salaried,Credit Seore ood UG Present case: LTV =<80% & Cibil Seore HRLLR ot resent 9.10%-015 Rs.20500/- Limited The Jammu & Kashmir Bank‘he Jammu & Kesh Bank nied Austnese HendworsSooth tral hhendOome com uy ad Serving to Empower Upfront Fee/ Processing charges; 0.25% of Loan 1 Minimum Rs 2000 GST Maximum Rs 50000+ ¢ 18% GST Le Rs 810/= iia Hence LPC =Rs 5310/= avieg INSPECTION CHARGES: Actual GST (vhichever higher Service Charges | ‘Security offered 1040) 13048 Occ: ‘Assessment of Facil: 4 The assessment of the loan for tenovation/construction of re ‘Scheme for Individuals” is given as under: Assessment of loan as per cost & St. A B c D F ‘Consiruction Cost Valuation as per estimate Stipulated margin as per scheme for Loans upto 30. “Eligible loan amount (A-B) : ‘Loan amount requested by the borrower ‘Loan amount sanctioned in-principle by branch Lakch (10 %) As per the credit policy, the internal risk ‘rating of the applicant tees quality and probability of default although the pricing of housing score Brief About the applicants:~ Mr Riyaz Ahmad Fagir Alias Shah is Govt employee drawing his monthly salary at BU Handwara south as providing housing loan facility of Rs.18.00 lacs for residential house under Banks Housing loan scheme for storeyed residential house along land to be renovated on. registered mortgage) . The an & Kashmir Bank an KashmirThe Jammu & Kashmir Bank Limited va JEK Serving to Empower has to pay to National E-Govemance with the submission of Financial or the NeSL or any IU as the case The Jammu & Kashmir Bank Limited