BANK OF MAHARASHTRA
CENTRAL OFFICE, LOKMANGAL, PUNE 411005.

APPLICATION FORM FOR HOUSING LOAN

The Asst. General Manager /Chief Manager I Branch Manager,
Bank of Maharashtra,
Branch
Place:
Date:
Latest Passport
Size Photograph
1/We wish to apply fora loan of Rs ________ (in figure)
----------------~--(in words) for purchase/construction of ownership
flat/bungalow or renovation/repairs/alteration and additions to the house/flat in my/our name/s for use and
· occupation by me/us and my family members. For this purpose 1/We agree to abide by all the terms and
conditions, as may be advised by the bank, from time to time. 1/We agree to execute all the required
documents with a view to create the necessary security in Bank's favour. To enable the bank to consider
my/our request. 1/We furnish below the required particulars. 1/We also hereby agree to furnish to the bank any
other information/particulars as may be required for the purpose and also from time to time during the burrency
of loan.
1/We declare that the information/details furnished below is/are true and correct.
1. Full Name: --------~-------------------
Surname First Name Father I Husband's Name
2. Age(Years) SC/ST: Yes/No Date of Birth
3. Occupation : (Tick Whichever is applicable)
4. a)
b)
Service
Self Employed
Married I Unmarried
Qualification :
D
D
Business 0
Agriculturist 0
c) Income Tax PAN (Permanent Account Number) :
d) Passport, if available, Number and Date of issue : --------------
e) Date & year of latest I.T. Return Filed : _________________ _
1
5. No.of dependents
Names Age Occupation Relationship
a.
b.
c.
6. Residential address :
Present:
Phone No./Mobile No. ----------
Email ID /Fax:
Permanent:
Phone No./Mobile No. ----~----
7. Name &Address of Business I Employer:
----------------- Phone No.
Name & Contact No. of C.A.ITax Consultant -------------------
8. Name &Address of Proposed guarantor:
9. Details of Occupation:
i)
ii)
iii)
A) If employed : Employment record
Year Employer
From to
. Whether confirmed in Present Service
Whether Service is transferable
Completed years of service _____ Yrs
2
Post Held Last Gross Monthly Salary
drawn (Rs.)
Yes/No
Yes/No
Date of Retirement: ---------
B) If in Business
1. Name & Nature of Business
Business Address:
--------------------- Phone No.
2. Constitution: 1. Proprietorship D 2. Partnership D 3. ltd. Company D 4. Other D
3. Since when in business
4. Own Capital invested in Business (Rs.):
C) If self Employed:
i) Nature of Profession :
Business Address
Phone No.
0) Since when in profession :
(Note: Submit Financial statements of the business alongwith copies of income tax /wealth tax returns of the
last three years.)
OR.
(Chartered accountants Certificate for income I Wealth tax returns to be enclosed for "B" and "C" above.)
D) Agriculturists:
1. Annuall Income for the last three years:
a)Rs. ______________ _ b) Rs. _______ _
E) For Non Resident Indians:
i) Details of NRE/FCNRA/c in India:
ii) Details of present employers overseas and Service Conditions
iii) Salary Drawn from the present employer:
iv) Present Overseas Address:
1 0) Income and Expenditure
Annual Income Rs.
a) Applicant
b) Co-applicant-~------
c) Spouse
Expenditure Rs.
3
c) Rs. ---------------
Other Liabilities Rs.
11. Net monthly surplus available for repayment of loan by applicants : Rs. -----------
12. Other Investments Applicant
a. Shares, Debentures
Units, Mutual Funds
NSC, NSS etc.
b. LIC Policies
c. Bank deposits
(Specify Name ofbank) ----d,
Others if any
(Specify details)
Spouse Total
Details of Bank accounts with Bank and Branch: ------------------
Type of Ale AleNa.-------- Date of opening -~---
Balance ---------on:
13. Details of Outstanding Loans:
Name of Institution Purpose
14. Details of Property:
Outstanding Amount Annual Repayment
Installment
_,, ~··
a) Full address of the flat/house proposed: (to be purchased/constructed/repaired)
b) Total Purchase price/construction cost
+stamp duty and registration charges Total Rs.
. ·---,-~----------
c) When construction likely to start/to be completed
d) If flat/apartment/house is ready built
e)
f)
Carpet/Built up area Sq.ft ----~---'-- Sq.mts. --------------
Whether agreement for sale is lodged for registration with sub registrar Yes/No
If yes, date of Registration: -------------------------
4
g) Name and address of builder/developers------------------of
seller in case of resale
Phone No.
h) Whether the property proposed to be offered as
security for loan has clear marketable title Yes/No
15. Means of Finance :
i) Total cost of the house: Rs.
ii) Own contribution+ Other source: Rs.•
iii) Bank Loan: Rs.
16) Sources of own contribution :
17) Proposed repayment period :
18) Following papers are submitted along with this application for your information :
i)
ii)
iii)
Letter of allotment from housing Board I Builder I Co-op. Society.
Permission from concerned authority if the construction ·Of house is to be under taken
outside Municipal limits. ·
Receipts for payments already made to the owner/builder etc.
1/We hereby declare that: ... , ~··
Date:
i)
ii)
iii)
iv)
v)
The house I flat to be purchased I acquired by me/us from the loan assistance of the
Bank's is for self occupation.
The house I flat to be purchased I acquired is unencumbered and is available with vacant
possession.
The cost of escalation, if any, shall be met by me/us from own sources.
1/We agree to put up our contribution prior to disbursement of loan, if sanctioned ..
1/We declare that 1/We have not available any loan/finance from any other institution for
purchasing I acquiring the said flat I house.
Signature of the applicant
5
Memorandum of sanction by the competent authority
1. Name of applicant:------.,------------------------
2. Whether all the details in the application are verified and found to be correct. YES/ NO ~ / ~
3. If no, the area in which there are variance and the reasons there of and sanctioning authority's views
thereon.
4. Request: Rs.------------ housing loan
5. How the amount requested is within the eligibility limit.
6. Gross salary/Net profit in business
Take home salary/take home income
EMI required for the proposed loan
lncluding EMI whether total deductions will be
less than 60% of gross salary I income YES/NO
7. lf yes,an amount of Rs. -------------- housing loan is sanctioned to
Mr./Mrs. --------------Amount
Margin
Rate of interest
Security
on following terms and conditions.
Repayment: (In equated monthly installments) · Rs. --------'-----....:·:.·.:~- ·
Other terms and conditions:
a) Processing fee as scheme guidelines
b) Insurance of house/ flat! building
c) Mortgage charge on house/bldg./flat should be registered with authorities
d)
Date:
Place
Signature of Sanctioning Authority
6
INFORMATION FROM THE EMPLOYER
The Asst. General Manager I Chief Manager I Branch Manager,
Bank of Maharashtra
Branch
Dear sir,
Reg: Housing loan proposal ofShri I Smt. ___ .,--------------~-----
We furnish below the information required by you in respect of our above employee
1. Name ofthe employee :
2.
3.
4.
Date of birth: --------------Date of joining:-------.,--Designation:
--------'-------Confirmed
in service: YES I NO·
Retirement Age and Date of Retirement: ----,--------
5. Any other information about employee in support of his loan application :
6. Salary particulars for the month of
Earnings
Basic pay
D.A.
C.C.A.
H.R.A.
Conveyance
Allowance ·
Other allow
Gross Salary earning
Less Deduction
Net take Home Salary
..·.
Deductions
P.F. ·
V.P.F.
Soc.loan
P.F.Loan
Income tax'
Other deed.
Subtotal
··-------
P.F.No.
.... ~··
7. We are agreeable to deduct the monthly repayment installment of the loan if sanctioned from the salary
. of the employee and rem!t the same to you : YES/NO
8. Certified that the above information is true and correct and the undersigned is authorised to issue such
information/ certificate.
7
Name and Address of employer
Phone No.
Signature of authorised Official
Name of official
Office seal
Date:
Place:
Note: lf the space provided above is insufficient, information may be given on a separate sheet which should
be attached to this form. •
8
GUARANTOR'S FORM
The Asst. General Manager I Chief Manager I Branch Manager,
.Bank of Maharashtra
Branch
Dear sir,
Reg : Housing loan to Shri I Smt.
Passport
Size Photograph
Rs. ----------------------------------------------~---------------
i offer to stand as a guarantor for the housing loan to be provided by you to-
Shri/Smt. -----,-----~------------ and furnish the particulars here below
1. Full Name:
Surname First Name Father/Husband's Name
2. Date of birth:------ Age:---------- (Years) Qualification: --'-------------
3. Occupation : (Tick Whichever is applicable)
Service 0 Business 0 Self Employed 0 Agriculturist 0
Completed years of service/business : -------- Present post:
Date of Retirement: ----------------
·· 4. · Marital Status: Married/Unmarried
5. No. of dependents :
Name Age Occupation Relationship
a)
b) _______ _
. c)
6. Residential address :
i) Present :
Phone No.
ii) Permanent:
Phone No.
9
iii) Name &Address of Business/Employer: ---"'-------------------
Phone No.
7. Landed property:
Name of the village/town ------Area in HQ:
Survey No. Land Revenue: Rs. Approx. value: Rs ------ -----
8. House/Flat owned:
9.
a) Location and Address:
b) Municipal taxes :
c) Income from rent if any:
d) Approximate value:
Rs.
Rs.
Rs.
e) Details of encumbrances : ________ _ i) Amount Rs.
ii) Nature of Charge --------
Investment in business (with details) ------- Rs. -------------
Other investment: (Investment in shares, deposit, mortgage, properties and other forms, if any)
Rs. ----------------- Total Assets Rs.
10. Details of borrowing (if any)
Former bank Rs. _______ _
From other bank Rs. --------
From others Rs. --------
Purpose ----,---Purpose
Purpose -------
Bal. _____ _
Bal. _____ _
Bal. _____ _
11. Details of bank accounts with bank and branch:
Type of A/c ___ Ale No. __ _ Date of opening ___ _ Balance Rs. -----
12 Copies of latest Income-tax-Wealth tax assessments and receipts of tax paid for the last years.
13 Salary income for the last year Rs. ------- (attach salary certificate also)
Date: Signature of the Guarantor
10
FORM FOR INFORMATION OF CO-APPLICANTS
The Asst. General Manager/ Chief.Manager/Branch Manager
Bank of Maharashtra
-----------------Branch
Dear Sir,
Passport
Size Photograph
1/We declare that the information/details furnished below is/are true and correct.
1. Full Name:
2.
Father's/Husband's Name
Date of Birth~----- Age: ----- (Years) Qualification: -------
Surname First Name
3. Occupation : (Tick Whichever is applicable)
Service 0 Business 0
4. Marital Status: Married/Unmarried
Self Employed 0 Agriculturist 0
5. Relationship with original applicant: ---------------------
a. Name & Address of Business/Employer: --------------~----
-----------------Phone No.: ________ __
6. Details of Occupation :
i)
ii)
a) If employed: Employment record
Year Employer
From To
Whether confirmed in Present Service
Whether Service is transferable
iii) Date of Retirement
Post Held Last Gross Monthly Salary
drawn (Rs.)
Yes/No
Yes/No
11
b) If in Business
i) Nature of Business: -----------------------~
ii) Constitution: Proprietorship/Partnership/Pvt.Ltd.Company/Business
iii) Since when in business
iv Own Capital Rs.
v) Business address
Phone No. _________ __
C) If self Employed
i) Nature of Profession
ii) Since when in profession
iii) Own investment Rs.
(Note : Financial statement of the business along with copies of Income tax/Wealth tax returns for the last three years.)
OR
{Chartered accountants Certificate for Income /Wealth tax returns to be enclosed for "B" and")
Date----------
Signature
12
BANK OF MAHARASHTRA
LIST OF PAPERS I DOCUMENTS REQUIRED F' OR HOUSING
LOAN PROPOSAL
*From Borrower:-
1) Copy of PAN Card (or Voter's Card)
2) Last3 years I.T. Returns (SARAL Forms)- Form No. 16
3) do . (Latest salary slip in case of salaried person)
4) Residence Proof-Copy of Ration Card
5) Photos of Borrower
6) Copy of Agreement with Builder (original)
7) Search & Title Report of Advocate on Bank's Panel
8) Papers from Builders {As listed overleaf)
9) Visit report
*Guarantor (1) :-
1) Copy of PAN Card (or Voter's Card)
2) Last3years I.T.Returns (SARAL Forms)- Form No.16
3)
4)
--- do _ (Latest salary slip in case of salaried person)
Residence Proof- Copy of Index- II of house I flat
(MSD Co. Ltd. Bill/ PMC/PCMC Taxes/Tele Bill)
5) Photos
*Guarantor(2) :-
1. Copy of PAN Card (or Voter's Card)
2. Last 3 years I. T.Returns (SARAL Forms)- Form No. 16
3. do--(Latest salary slip in case of salaried person)
4. Residence Proof- Copy of Index -II of house I flat
(MSD Co. Ltd. Bill/ PMC/PCMCTaxes /Tele Bill)
5. Photos
13
ANNEXURE)
*Papers To be Obtained From the Builder
1) The Document of the Land - lord showing his ownership such as Sale Deed, Gift Deed, Lease
Deed, will, Family arrangement etc.
2)
3)
4)
5)
6)
7)
8)
9)
City survey /7/12 Extract
Development agreement with the builder
Power of attorney given to the builder
Sanctioned building plan
Commencement certificates issued by the Pune Municipal Corporation /PCMC
N.A.Order issued by the collector of Pune .
Order under ULC Act
Completion certificate issued by PMC/PCMC
·1 0) Title Opinion of the Advocate of the builder
11) No objection to mortgage the flat given by the builder
12) Zone certificate
13) Demarcation certificate
14) If the conveyance is made with the Housing Society, then No objection from the said Society
---':·•
15) Share certificate issued by the Society
16) If the Apartment is declared, then the certified copy of the Registered declaration of the
Apartment
17) Tax receipt issued by the PMC/PCMC & MSD Co. LTD.
18) N.A. receipt showing no dues
19) Agreement of sale of the flat executed between flat purchaser & builder
20) Index -II ofthe aforesaid agreement
21) Registration receipt of the aforesaid agreement.
14