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• Income Documents
• Bank Statements
• Property Documents
Home loan without map
• Loan upto 85% of property value
• Faster & smooth disbursal
• No hidden charges
• Faster & smooth disbursal
• No hidden charges
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Eligibility Criteria
What you mean by home loan without map Eligibility Criteria?
Are you looking to buy property which don’t have a map due to the property is in Laldora location or its too old, don’t worry wherein bank & NBFC’s are providing loan for without map property also that too at lowest interest rates with multiple flexibility to repay the loan. Just you are required to ensure about the eligibility before proceeding further.
Home loan without map Eligibility Criteria
Eligibility Criteria depends on several factors like repayment history, salary or business sales/turnover& Creditworthiness …etc.
- • Applicant age should be in-between 18 – 60 years of age
- • Minimum 3 years of work experience
- • Must have good CIBIL Score
- • Corporations, Agro-Industrial corporations
- • Resident of Indian
Note: – You can get 85% of property value as a maximum loan amount 1 Cr.
What are the factors generally affecting home loan without map Eligibility Criteria?
There are top factors that generally affects without map property eligibility criteria as given below: –
Unstable financial behavior: – Lender evaluate your financial behavior by checking your financial history, if you were unable to make payments on time, your behavior marked as unstable which lower the chances of getting loan.
Incomplete Documentation: – Getting a loan from banks & NBFC’s require proper & complete document in terms of checking your originality & financial creditworthiness status, due to lack of incomplete document your loan application will be rejected.
What are the ways to increase home loan without map eligibility?
To increase eligibility, you need to consider Top points as given below, this will aid you in increasing your eligibility level.
Add a Co-applicant: –When your credit score is low, you can add your family earning member as a co-applicant which help to boost your eligibility strength.
Choose well maintained property: – Lenders will check the condition of property, a bad condition property will generally don’t have much market value wherein a well-maintained property has the high -potential of good market value. Therefore, choose well maintained property as it will also enhance the loan eligibility.
Documents Required
Documents Required
- PHOTOGRAPHS 2
- PAN CARD COPY
- AADHAR CARD + PASSPORT
- ADDRESS PROOF IF RENTED ALSO REQUIRED PERMANENT ADDRESS PROOF
- LAST 3 YEARS FORM -16, ITR WITH COMPUTATION OF INCOME IF FILE
- LAST 1 YEAR BANK STATEMENT – SALARY ACCOUNT
- LOAN SCHEDULE & SANCTION LETTER (IF RUNNING)
- COMPLETE PROPERTY PAPERS WITH CHAIN & MAP +ATS
- PROCESSING FEE CHEQUE IN FAVOUR OF BANK
- LAST 3 MONTHS SALARY SLIP + APPOINTMENT LETTER
- PHOTOGRAPH BOTH
- PAN CARD CLEAR COPY PROPRIETOR
- ADDRESS PROOF (PASS PORT, VOTER ID CARD) PROPRIETOR
- OFFICE ADDRESS PROOF LATEST (ELECTRICITY BILL, TELEPHONE BILL)
- FIRM REGISTRATION CERTIFICATES & GST REGISTRATION COPY
- LAST 1 YEAR GST RETURN COPY
- FIRM 3 YEARS ITR COMPUTATION, PROFIT LOSS A/C, BALANCE-SHEET, TAX AUDIT REPORT, ALL SCHEDULED & ANNEXURE
- PROVISIONAL FINANCIAL AY 2019-20
- BANK ACCOUNTS (CURRENT ACCOUNT, CC ACCOUNT, OD ACCOUNT LAST 1 YEAR UPDATED)
- 6 MONTH SAVING ACCOUNT STATEMENT UPDATED (PROPRIETOR)
- IF RUNNING ANY LOAN PLEASE PROVIDE SANCTION LETTER AND REPAYMENT SCHEDULED
- AGREEMENT TO SELL COPY
- PROPERTY PAPERS WITH CHAIN SANCTION MAP
- PARTNERSHIP DEED COPY
- GST CERTIFICATE
- GST RETURN LAST 1 YEARS
- 3 YEAR COMPANY ITR COI P/L A/C BALANCESHEET + AUDIT REPORT 3CB 3CD, ALL ANNEXXURS, SCHEDULED WITH C.A.CERTIFIED
- PROVISIONAL FINANCIAL AY 2019-20
- 3 YEAR ALL PARTNER INDIVIDUALS ITR + COMPUTATION
- FIRM ALL A/C BANK STATEMENT 1 YEAR UPDATED
- ALL PARTNER SAVING A/C STATEMENT 6 MONTH
- IF RUNNING ANY LOAN – LATEST SANCTION LETTER + TRACK RECORDS OR REPAYMENT SCHEDULED
- AGREEMENT TO SELL COPY
- PROPERTY PAPERS COMPLETE CHAIN WITH MAP
- ALL DIRECTORS PHOTOGRAPH
- CLEAR PAN CARD – COMPANY AND ALL DIRECTORS
- ADDRESS PROOF – COMPANY AND DIRECTORS
- LIST OF DIRECTOR & SHARE HOLDER WITH CA CERTIFIED AS ON DATE
- MEMORANDOM ORDER IN HAND AND COMPLETE COPY (IF APPLICABLE)
- GST, SALE, VAT AND SSI REGISTRATION CERTIFICATE
- 1 YEAR GST RETURNS
- ALL DIRECTORS INDIVIDUALS ITR & COMPUTATION LAST 3 YEARS
- LAST 3 YEARS COMPLETE FINANCIAL WITH TAX AUDIT REPORT AND ANNEXURE
- PROVISIONAL FINANCIAL FY 2019-20 OR MONTH WISE SALE FIGURE LAST 1 YEAR
- COMPANY ALL BANK ACCOUNT STATEMENT 1 YEAR UPDATED
- ALL DIRECTORS SAVING A/C STATEMENT 6 MONTH
- IF RUNNING ANY LOAN – LATEST SANCTION LETTER AND REPAYMENT SCHEDULED
- AGREEMENT TO SELL COPY
- PROPERTY PAPERS COMPLETE CHAIN WITH SANCTION MAP
Frequently Asked Questions
There are several Government, Private & housing finance companies.
Generally, there are 2 types of facility available one for separate house & another for floor or flat house.
You can get up to 7.5 Cr depending on property area & condition.
No, in most cases for Home Loan Without Map bank will consider your credit score, above 750 refers to be good score.
Yes, Home Loan Without Map facility allow customers to add their co-applicant to increase their eligibility.
Any salaried or self-employed with stable incomes can able to apply for Property Without Map credit facility.
Yes, still you have the opportunity to get loan as several lenders are offering Home Loan Without Map property.
It vary from 8.50% – 11.00% per annum.
Make sure you meet all the eligibility criteria before applying for loan to avoid loan rejection & effect on credit score.
