GIC Housing Home Loan
Required Eligibility
The age of the applicant must be between 21+ ( for both salaried and self-employed)
Indian Residents, as well as NRIs, are eligible to apply
The applicant must have a stable monthly source of income
The applicant must have a Cibil score of a minimum of 650
GIC Housing Home Loan Products
Individual Housing Loan
Composite Loans
Repair and Renovation Loan
Home Extension Loan
Affordable Home Loans
Required Documents
KYC Documents
ID & Address Proof (Any One Required)
PAN card (Mandatory if income is considered )
Voter ID car loan eligibility calculation
Valid Passport, Driving licence, Aadhar Car
Residence Proof (Any One Required)
Utility Bill: Electricity, Telephone, Postpaid mobile, water bill etc.
Ration card , Letter from employer
Bank statement /copy of Passbook reflecting address , Valid Rent Agreement
Property Documents
Allotment letter from builder
Agreement of Sale
Registration and stamp duty receipt
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NOC from builder
Own Contribution Receipt (OCR )
All builder-linked documents (Applicable for cases which are not approved or previously not funded by GICHFL)
Development Agreement
Tripartite Agreement
Partnership Deed
Sale Deed
Title Search Report
NA order
Occupancy Certificate
Income Documents
Salaried Individuals
Salary slips for the last 12 months or salary certificate*
Copy of bank statements for the past 6 months (salary account)
Self-Employed Professional
Certificate of qualification for professionals: CA, Doctors or Architects
Copy of last three years’ income tax returns, along with computation of income
VAT or Service Tax or GST returns or TDS Certificate
Bank statement for the last 12 months (Savings account, current account and O/D account)
Business Class
Copy of your last three years’ income tax returns, along with computation of income
Copy of last three years' P/L account with all schedules and audited balance sheet, wherever applicable
VAT or Service Tax returns or GST or TDS Certificate
Bank statement for the last 12 months (Savings account, current account or an O/D account)
