V C C B A N K

House Mortgage Loan

Details Description
HOUSE MORTGAGE LOAN
Eligibility Individuals who own a house at Branch Area of operation.
Purpose House Mortgage Loan to be issued for the following purposes:
1. Business Development
2. Education
3. Marriage
4. House Repair and Renovation
5. Medical Treatment
Age Limit 18 to 58 Years
Maximum Loan Limit Rs.20,00,000/-
Rate of Interest 11% p.a.
Repayment 10 Years
Income Criteria (i) Applicant income and their family income included for eligibility. Spouse income may be included if Spouse is Co-Applicant. Rent income is also considered.
(ii) Income should be 3 times of monthly repaying amount.
Documents Original copies of Sale deed, Title deed, Encumbrance Certificate for 13 years, Proof of Address, Proof of Identity, Valuation Certificate and Project Estimate.
For Business Development: Business Registration Certificate, GST Certificate, Bank Statement, Project Report, Rent Agreement (in case of rented building).
Insurance Property to be insured at borrower's cost with bank clause against flood, earthquake, riot and other natural calamities for the entire period of loan.
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01

Visit nearest Branch

Visit the nearest branch of the Bank or access the Bank’s official website.

02

Documentation

Submit your KYC application

03

A/c Verification

The Bank verifies the submitted documents and details.

04

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Upon successful verification, the account is opened.

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