EDC Limited
EDC House, Dr. A. B. Road,
Panaji-Goa
1. HOUSING LOAN APPLICATION FOR GOVT/CORPORATION EMPLOYEES
PLEASE COMPLETE ALL
PARTICULARS IN BLOCK
LETTERS
TICK BOXES WHEREVER
APPLICABLE
Name in full – Applicant
Name in full – Spouse FIRST NAME MIDDLE NAME SURNAME
PARTICULARS Applicant Spouse of the applicant
1.Detail Residential Address
(House No., Road Name,
locality, City, PIN, District,
2.Office Address (House No.,
Road, Name, Locality, City,
PIN, District, State)
3.Email address
4.Date of Birth (DD/MM/YYYY)
5.Telephone No.(Off. & Res.) Office Residence Office
Residence
6.Mobile No. /Fax No.
7.Sex M F M F
8.Marital Status (Please also tick Single Married
Single if no leaving spouse)
9.Particulars of Identification a) Voter ID No. (a) Voter ID No.
Proof (Pl indicate name of
Document at d) (b) Pass Port No. (b) Pass Port No.
(c ) Driving License (c) Driving License
(d) Others (d) Others
10. PAN, Card No
EDC Limited
EDC House, Dr. A. B. Road,
Panaji-Goa.
Signed photograph
of Applicant
2. PERSONAL INFORMATION OF THE APPLICANT
1. HOUSING LOAN APPLICATION FOR GOVT/CORPORATION EMPLOYEES
1. Number of Dependents Children Other
2. Educational/Professional
Qualification
3. Copy of Form No.16 Enclosed Yes/No
4. Present Residence Status* * Owned/ Rented/ Company Provided/ Parental
(Tick appropriate head)
PARTICULARS Applicant Spouse of the
applicant
1. Source of Income (Income
Proof): ( Pease tick and enclose
supporting document) Salary Certificate Income Tax Returns Salary Certificate Income Tax
Returns
2. Annual Gross Salary/Income
3. Annual Net Salary/Income
4. Other Annual Income as per IT
Returns.
5. Monthly Deductions
PARTICULARS Applicant Spouse of the Applicant
1. Name of the Employer
2.Name of the Department
3. Designation & Employee.
Code no.
4. No of Employees in the
Organisation.
5. No of Years in present
Employment (If current
Employment is less than 5 yrs
Details of earlier employment
Going back to a period of 5
Years be disclosed)
6. Date of Retirement
1. Address of the Property – House No./Plot No.., Area,
City Pin Code/Survey No
2. Landmark for Identification of Property
3. OTHER INFORMATION OF THE APPLICANT
4. FINANCIAL INFORMATION OF THE APPLICANT
5. EMPLOYMENT DETAILS OF THE APPLICANT
6. DETAILS OF IMMOVABLE PROPERTY TO BE CONSTRUCTED/PURCHASED/RENOVATED/REPAIRED
3.Tick Type/ Category of the Seller and mention full Housing Society Development Private ndividual
name of the seller __________________________ Authority Builder
4. Purpose (Mention whether for purchase of New Flat/
Age:
House Purchase of Plot of Land, Construction of New,
House on of House Flat, Renovation of Existing Flat/, Outright Purchase
House repairs etc. of New House/Flat Resale Flat/House Construction Extn /
& Age thereof. of flat/house Renovation/
Repairs of
flat/house
5. Present stage of Construction and expected time of
Completion.
6. Existing/Proposed Built up area of the Flat/House
7. Existing/Proposed carpet area of the Flat/House
8. Area of Land/ Undivided Share of land
9. Rate per Square mt. (for Building / land)
10. Is the property mortgaged to any institution
(Bank/HFC)?
Details thereof.
11. If yes the Loan Details
COST OF PROPERTY AMOUNT (Rs.) SOURCES OF FUNDS AMOUNT ( Rs.)
1.Cost of Land /Flat/House 1. Amount Already Invested
2. Cost of Construction/Flat/House/Extension/ 2. Saving in Bank
/Repairs. ( Account No and name of bank)
3. Cost of amenities/Furnishings 3. Disposal of Investments/Property-Brief
details
4. Cost of repair/renovation/ extension 4. P.F. /Other Loans
5. Miscellaneous (Give Details) 5. Others (Specify)
6. Cost of Stamp Duty/registration 6. Loan applied for
Total Cost* (should tally with total funds) Total funds* (should tally with total cost)
APPLICANT SPOUSE
PARTICULARS (Rs. In Lakhs) Detail (A/c. No., etc) Amount Detail (A/c. No., etc) Amount
1. Saving in Bank (Saving Bank +
Fixed Deposits)
2. Immovable property
(details like S.No./Bldg.No./Tax receipt,
3. Current PF Balance (your contribution)
7. LOAN REQUEST
8. DETAILS OF FINANCIAL WORTH OF THE APPLICANT
4. Investment in NSCs/Shares/Debentures
Bonds/Mutual Fund, etc.
5. Jewelry/gold ornaments
6. LIC/Postal Life, etc.
7. Other Investments
8. Total Assets
Name of the A/c. holder Type of A/c. Name of the Bank & Branch Balance
APPLICANT
Purpose Name of Creditor- (Bank/ Loan Amt. (Rs. In lakhs) EMI Mode of Repayment Security charged
NBFC/EMPLOYER- Name, (Details in Annexure)
A/c.No.& date of sanction
1. Housing Loan
2. Car Loan
3. PF Loan
4. Personal & Others
(Please Specify)
5. Total Liabilities
SPOUSE OF THE APPLICANT
1. Housing Loan
2. Car Loan
3. PF Loan
4. Personal & Others
(Please Specify)
5. Total Liabilities
10. DETAILS OF EXISTING LOANS
9. ADDITIONAL DETAILS OF BANK ACCOUNTS OF ITEM NO.8.1 ABOVE
1)
2)
3)
4)
1)
2)
(1)
(2)
14. PROCESSING FEE DETAILS
Amount Cheque No Dated Drawee Bank/Branch
Sale Deed / Agreement of Sale/Letter of Allotment and other title documents
Copy of Approved plans of proposed construction / purchase / extension
NOC from local bodies for construction
Detailed cost Estimate / Valuation Report from Chartered Engineer / Valuer
In case of conversion of agricultural land for non-agricultural purposes, copy of the relevant order
Nil Encumbrance Certificate
Salary Certificate & Form 16 of previous year
IT Returns for the last 3 years
Allotment Letter of Co-operative Society/ Housing Board (if applicable, in original)
NOC from Society / Builder in our format
Proof of identification (Identity Card/ Pass Port / Voter Identification Card / Driving License)
Letter from the Govt /parent company agreeing to cede parripassu charge in EDC’s favour and
agreeing to be agent for constructive delivery of the title.
Proof of Residence like Telephone Bill, Electricity Bill, , etc.
Statement of Bank account /Pass book showing operations for the last 6 months
Documents pertaining to the collateral security
NOC from the parent department/Govt in our format to avail the loan and to agree to deduct and remit
the EMI
11. NAMES AND ADDRESSES OF LEGAL HEIRS
12. NAMES AND ADRESSES OF THE GUARANTOR/S
13. REFERENCES (AT LEAST TWO) – Names, addresses and telephone nos.
15. DOCUMENTS REQUIRED
The Managing Director,
EDC Ltd,
Panaji, Goa .
I hereby apply for a loan from EDC Limited to the extent indicated in the Loan request of this application form i.e. Rs ( ) and declare that the foregoing particulars and information furnished in this application form are true, accurate and complete and that they shall form the basis of any loan EDC Limited, may decide to sanction to me. I confirm that I have / had no insolvency proceedings against me. Nor have, I been adjudicated insolvent. I further confirm that I have read the terms and conditions and understood the contents therein. I am aware that if I opt for loan at floating rates of interest, the Equated Monthly Installment will comprise Principal and Interest based on EDC Rates which is subject to change from time to time.
I agree that EDC Limited may at its discretion conduct discreet inquiries in respect of this application. I undertake to inform any change in my /our occupation / employment, residential address and to provide any further information that the EDC may require. EDC limited will be at liberty to take such action as it may deem necessary if my / our above statements are found to be untrue. I agree that EDC Limited shall have the sole discretion to reject / reduce loan amount my loan application without assigning any reason thereof.
I further agree that my loan transactions shall be governed by the rules of EDC Limited which may be enforced from time to time.
Applicants Signature Spouse’s Signature
Place:_______________ Place: ____________
Date: _______________ Date: _____________
16. DECLARATION