Oriental Bank of Commerce Home Loan

Oriental Bank of Commerce

Features

  • Purchase of land and construction of a house thereon.
  • Construction of house, where in the plot/land already owned by the applicant.
  • To buy built up / semi built up house or flat.
  • To Extend/improve/repair, the existing house or flat.
  • For Home furnishing, furniture / fixtures embedded to structure or otherwise.
  • To buy a flat under construction or proposed to be constructed
  • Takeover of housing loan from other banks/ financial institutions.

Documents

  • Loan application Form
  • Passport size photograph of applicant, co-applicant & guarantor
  • Identity proof
  • Residence Proof
  • Age proof
  • Income Proof
  • For Salaried: Salary certificate issued by the employer / Income Tax return
  • For Agriculturist: Record of land holding & cropping pattern or any other proof of income.
  • For all other individuals: Last 2 yrs. Income Tax Return & computation sheet / Bank A/C statement.
  • Property documents: Title clearance report from advocate and valuation report from architect on Bank's panel
  • In case of takeover: Copy of home loan account statement for the entire period / Certificate from the lending institution giving pre-closure amount

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