Citibank Home Loan

A bigger, better home with CITI bank home loans .The bank offers loans for loans for built property as well as under construction property. Salaried persons should have at least Rs 1,00,000 gross income per annum and minimum age at least 23 years to be eligible for the loan, maximum age should be 65 or retirement age. Self-employed gross annual income should be Rs 85,000. The age limits are the same as salaried class.

Documents required for Salaried Individuals

• Salary slip not older than 60 days
• Bank statements for last 3 months not older than 90 days
• Work experience proof (required for 2 years)
• Photograph for all individuals
• Date of birth proof for all individuals
• Signature verification proof for all individuals
• Residence address proof for all individuals
• Business address proof for all self-employed customers


Documents Required for Self-Employed

(Required for 2 years)
• Income Tax Return
• Computation of income for tax purposes
• Financials (Balance Sheet / Profit and Loss Account along with all Schedules)
- Attested by Chartered Accountant
• Bank statements for last 3 months not older than 30 days
• Business continuity proof for 3 years
• Photograph for all individuals
• Date of birth proof for all individuals
• Identification proof for all borrowers
• Signature verification proof for all individuals
• Residence address proof for all individuals
• Business address proof for all self-employed customers

Companies
• Memorandum & Articles of Association
• Certificate of Incorporation
• CA certificate for list of directors and list of shareholders along with shareholding pattern

Partnership Firm
• Latest partnership deed
• CA certificate for list of partners along with profit sharing ratio
Property Documents
• Photocopies of title deeds, agreement to sell, encumbrance certificate
• Approved plans and clearance certificates from authorities
• Allotment letters and / or by-laws of the co-operative society / Association of apartment owners.

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