GIC Housing Home Loan

Info

Personal Detail

Co-Applicant Details

Applicant Details

Job Details

Address

Office Address

Current Address

Permanent Residence Address

Income & Banking Details

Income Details

Banking Details

Debt Details

Collateral Details

Other Details

Other Details

Reference 1

Reference 2


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
  • Index.php ii
  • 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)
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