Escolar Documentos
Profissional Documentos
Cultura Documentos
ANDHRA BANK
( A GOVERNMENT OF INDIA UNDERTAKING) KOMPALLY Branch
Photo of Applicant 1 Photo of Applicant 2 Photo of Co-Obligant
FOR PURCHASE
FOR CONSTRUCTION
FOR REPAIRS
FOR EXTENSION
REQUEST FOR LOAN I / we request you to sanction a Housing Loan of Rs. 1500000 (Rupees in words)FIFTEEN LAKHS ONLY for construction / purchase of house / flat at CONSTRUCTION place. I / We am / are hereunder furnising the details Signature of the Applicants BIO-DATA FIRST APPLICANT Name : SUKHI DAS S/W/o :DHARAM DAS Date of Birth : 1-01-1958 Marital Status : Married Present Address H/2 RAIL KUNJ BHUBANESWAR ORISSA Sex : Male Signature of the Applicants BIO-DATA SECOND APPLICANT Name : RAM DAS S/W/o :KARAM DAS Date of Birth : 25-12-1980 Marital Status : Single Present Address RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK ORISSA
PAN No.4445561 Passport No. :2088 Driving Licence No. & Place of Issue Car No. :2322
Sex : Male
PAN No. 3234123 Passport No. :2001 Driving Licence No. & Place of issue Car No. : 5355
IT Ward : 4544 PP date of issue 2-02-1999 Exp. Date :2-02-2029 2452 BHUBANESWAR Credit Card No. :231454 Bank ANDHRA BANK
44
Date of Joining the Service Age of retirement & Leftover Service Transferability
Date of Joining the Service Age of retirement & Leftover Service Transferability
SOURCES OF INCOME : I. Salary Particulars (enclose pay slip) Gross Salary Rs.6,70000 Net Salary Rs.5,42000 Rental Income Rs. NIL Buss. Income Rs. NIL Other Income Rs. NIL Invesments Rs. 100000 II. INCOME FROM OTHER SOURCES : Source Income per Annum NIL
SOURCES OF INCOME : I. Salary Particulars (enclose pay slip) Gross Salary Rs.5,50000 Net Salary Rs.4,75000 Rental Income Rs. 10000 Buss. Income Rs. NIL Other Income Rs. NIL Invesments Rs. 200000 II. INCOME FROM OTHER SOURCES : Source Income per Annum NIL
BIO-DATE OF Name : SATENDRA DAS S/W/o : HARIKISHAN DAS Date of Birth : 14TH OCT 1978 Sex: Male Marital Status : Married Presesent Address HIGH TECH CITY BENGALURU Email :dipudas@gmail.com Permanent Address RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK ORISSA
CO-OBLIGANT
EMPLOYMENT PARTICULARS Name of the Employer Full Address Designation Date of Joining the Service Age of retirement & Leftover Service Transferability Transferable
SAP WORLD SAP WORLD BENGALURU SAP CONSULTANT 12TH JAN 2006 52
Email :
Pan No. 45357787 Passport No. :
45677
Driving Licence No. & Place of Issue Car No. : NO
IT Ward : IT PP date of issue 12TH JAN 2008 Exp. Date : 12TH JAN 2018
II. INCOME FROM OTHER SOURCES : Source Income per Annum NIL
34453
Credit Card No. :467688 Bank :SBI
SOURCES OF INCOME :
45
I. Salary Particulars (enclose pay slip) Gross Salary Rs.870000 Net Salary Rs.789000 Rental Income Rs.NIL Buss. Income Rs.NIL Other Income Rs.NIL Invesments Rs.100000 I hereby give consent to stand as the Coobligant / Guarantoor for the loan applied by Mr. DEEPAK RANJAN DAS Signature of the Guarantor / Co-obligant Date :
III) FOR CONSTRUCTION HOUSE Location : Door No. : H/2 Street :RAILKUNJ Land Marks : RAILWAY COLONY City / Town : BHUBANESWAR PIN Code :700015
DECLARATION : I / We hereby declare that all the particulars and information given in this application are true, correct and compete and that they shall form the basis of any loan the bank may decide to grant me / us. I further agree that the loan shall be governed by
PARTICULARS OF TITLE : I am the owner of the said plot and I have purchased the plot from Mr SRIDHAR in the year 2010 under a registered sale deed dated 22TH FEB 2006 for a consideration of Rs. 12 LAKHS ONLY ENCUMBRANCES :
the rules of the Bank, which may be in force from time to time. I agree to invest my share first and start construction. I will complete the construction within one year of availing the loan. If there is any price escalation it will be met from my own sources.
There are no dues towards municipal taxes etc. NO There are no encumbrances over the property. NO
Signature of the applicant
i) ii)
46
b. ALREADY SPENT : 2. LOANS FUNDS : a. FRIENDS : b. EMPLOYER : 3. FUNDS FROM OTHER SOURCES : (Please specify the source) 4. LOAN FROM BANK : ANDHRA BANK ___________________________ ___________________________ REPAYMENT :
I PROPOSED TO REPAY THE LOAN AT
Name
Date of Birth
Age & Address & Phone RelationNumber ship H/2 RAIL KUNJ BHUBANESWAR ORISSA WIFE H/2 RAIL KUNJ BHUBANESWAR ORISSA SON
Annual Income
PAN Number
SUMATI DAS
10-101964 11-111993
NIL
NIL
SAI SUBHANKAR
NIL
NIL
Particulars of Bank
Address of the Branch with Phone No. ANDHRA BANK, RAILKUNJ BBSR
Particulars of fixed assets of the borrower NAME OF THE OWNER DESCRIPTION LOCATION WITH ENCUMBRANCES DOOR/SURVEY NOS. PRESENT VALUE
CAR LAND
300000 1000000
47
Particulars of liquid assets NAME OF THE OWNER NATURE OF ASSET VALUE OF THE ASSET MATURITY VALUE & DATE ENCUMBRANCES
SUKHI DAS
FINANCIALBONDS
200000
12-11-2015
Name
Date of Birth
Annual Income
PAN Number
Particulars of Bank
Address of the Branch with Phone No. AXIS BANK CHANDRASEKHARPUR BBSR
Particulars of fixed assets of the borrower NAME OF THE OWNER DESCRIPTION LOCATION WITH ENCUMBRANCES DOOR/SURVEY NOS. PRESENT VALUE
BHADRAK BHADRAK
160000 240000
48
Particulars of liquid assets NAME OF THE OWNER NATURE OF ASSET VALUE OF THE ASSET MATURITY VALUE & DATE ENCUMBRANCES
SHARES
FINANCIAL
200000
ANY TIME
PARTICULARS OF CO-OBLIGANT
FAMILY PARTICULARS
Name
SAMIKHYA
Particulars of Bank
Type of A/c.
Account No.
Particulars of fixed assets of the borrower NAME OF THE OWNER DESCRIPTION LOCATION WITH ENCUMBRANCES DOOR/SURVEY NOS. PRESENT VALUE
BHADRAK
2500000
49
NATURE OF ASSET
ENCUMBRANCES
DATE OF RECEIPT OF THE APPLICATION : I have visited the site on ___RAIL KUNJ____________. It is with in the Municipal Limits. The information furnished in the application has been verified. We submit the following information in this connection. Name : RABI NARAYAN DAS S/W/o :SUKHDEV DAS 1. Name of the Applicant 1 Date of Birth : 13-07-1959 Marital Status : Married Age Worth as on Basis source for arriving worth Present Residential Address H/2 RAIL KUNJ BHUBANESWAR ORISSA 53 1500000 Sex : Male
Occupation Banking with us since 2. OCCUPATION PARTICULARS Name of the Organisation Designation Employed Since
50
3.
INCOME DETAILS From Salary From Business From Agriculture Other Income, if any Total Income Nature of proof submitted Full particulars properties, if any of immovable 670000 NIL NIL NIL 770000 INCOME STATEMENT YES, BONDS
4.
BIO-DATA SECOND APPLICANT Name : SAI RANJAN DAS S/W/o :HARI HARA DAS Date of Birth : 6-04-1983 Marital Status : Single Permanent Address Age 29 RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK ORISSA 600000 FIXED ASSETS RAMA NIVAS INFRONT OF ENGINEERING COLLEGE BHADRAK Sex : Male
51
OCCUPATION PARTICULARS Name of the Organisation Designation Employed Since Left over Service INCOME DETAILS I. Salary Particulars (enclose pay slip) Gross Salary Rs.5,50000 Net Salary Rs.4,75000 Rental Income Rs. 10000 Buss. Income Rs. NIL Other Income Rs. NIL Invesments Rs. 200000 BASIX AREA MANAGER 12TH MAY 2005 52 YEARS
From Salary
From Business From Agriculture Other income, if any Total Income Natue of proof submitted Full particulars of immovable properties, if any 760000 SALARY STATEMENT. INCOME TAX PAID
Name : SATENDRA DAS 4 . B S/W/o : HARIKISHAN DAS FULL PARTICULARS OF COOBLIGANT / GUARANTOR THE Date of Birth : 14TH OCT 1978 Sex: Male Marital Status : Married Presesent Address Age 33 HIGH TECH CITY BENGALURU Email :dipudas@gmail.com I. Salary Particulars (enclose pay slip) Gross Salary Rs.870000 Net Salary Rs.789000 Rental Income Rs.NIL Buss. Income Rs.NIL Other Income Rs.NIL Invesments Rs.100000
Worth as on
52
OCCUPATIONAL PARTICULARS Name of the Organisation Designation Employed Since Left over Service Office Address INCOME DETAILS From Salary From Agriculture Other Income, if any Total Income Nature of proof submitted Full particulars of immovable properties, if any FAMILY BACKGROUND OF THE APPLICANT (Members living with the applicant) Name Relationship Age Occupation Annual Income Tax details, income slip Rs.870000 SAP WORLD SAP CONSULTANT 12TH JAN 2006 48 SAP WORLD BENGALURU
Place of construction
Urban
53
Location address of the site Verified the original title deeds/agreement to sale Are the title deeds acceptable, as per legal opinion Availability of link documents Whether legal opinion obtained from approved lawyer Plan approved By ON : 23RD DEC 2010 Year of construction, in case of out-right purchase Encumbrance Certificate (EC) obtained Availability of facilities : Electricity Dringing Water Drainage Raods Area of the site Built up area of the House Estimates prepared by engineer submitted Estimated cost of construction (Cost of flat as per the agreement to sale) Cost of construction is reasonable and in accordance with the local prevailing rates. Total cost of construction of building/flat/construction Cost of Site : Market Value Original Cost
E/74 rail kunj chandrasekharpur, hubaneswar YES YES YES Clear & marketable MUNICIPAL CORPORATION BHUBANESWAR VALID UPTO : 23RD JAN 2011 2002 From : DEC 2011 YES YES YES YES RAILKUNJ BBHUBANESWAR RAILKUNJ BHUBANESWAR YES 1500000 YES 23 RD DEC 2010 To 23 RD
54
Loan applied for Maximum loan eligible Margin to be met by the applicant Can the applicant meet the margin and complete the construction within 12 months
1500000 1350000
YES
Income of the applicant from all sources per month Repayment period Equated Monthly Instalment recommended Net monthly income before instalment % of monthly instalment to monthly income Primary security
YES
CALCULATION OF ELIGIBLE LOAN AMOUNT Estimated Cost of construction / purchase 75% of estimated cost of construction Expected rent per month Rs . 1500000 Rs . 1125000 Rs. 20000
55
SALARIED PERSONS
AGRICULTURALIST Annual income as per certificate issued by Competent Revenue Authority, supported by evidence of land holdings) 12 times of 50% expected monthly rent Total annual income (B+C) Three times annual income (3 x E) ELIGIBLE LOAN AMOUNT (Lower of A & F) BUSINESS & SELF EMPLOYED 16684.4 Income for the last THREE years as per IT returns / assessment orders / auditor certificates 1st Year 2nd Year 3rd Year Total 15% of the gross income 100500 12 times of 50% expected monthly rent 20000 per month Total annual income (B+C) THREE times annual income ELIGIBLE LOAN AMOUNT (Lower of A & E) Average (B)
Rs. 45616
(B)
Rs. 10000
(C)
Rs.55616
(E)
Rs.2002176
(F)
Rs 45616
as
per
latest
salary
(i) Income Tax deduction as per salary certificate OR eligible exemption which ever is lower.
(ii) instalment of the loans availed by the applicant which will be fully repaid during the construction period / Purchase of house / flat PROOF TO BE KEPT ON RECORD
(C)
Considering the above facts we may consider sanction of housing loan as detailed hereunder : Facility Purpose Limit Housing Loan For construction of house 90%
56
Margin Rate of Interest Repayment Gestation period / Construction period Coobligant / Guarantor Primary Security
150000 10.75+11.25 % = 22% (PTLR = 11.25 %) Repayable in 78 equated monthly instalments of Rs. 20000 12 MonthS
57
58