- 1 Photo
- PAN Card (If available)
- Aadhar card
- Address Proof
- 6 or 12 months saving account statement
- Loan account statement/s for all running loans (If any)
- Login cheque
Income Documents for Professionals
The Following income documents are required for professionals, e.g. doctors, lawyers, architects charted accountants, etc.
- Address Proof of Workplace
- Highest education proof
- Last 3 year’s ITR with financial
- Loan account statement of running loans (if any)
- 12 month saving and current account statement
Alternate Income Methods for Loan Eligibility for Self Employed
- Average bank balance
- Repayment track record
- Liquid income programme (LIP) for low ITR filled
- Gross turnover / receipts
- Industry margin
- Rental income – account credit or cash credit
- No income proof / without ITR – basis of business variation
- Legal chain of property (minimum 13 years)
- Sanction map and complition certificate (If available)
- Latest house tax receipt (if available)
- Agreement to sell for resale home loan (if executed)
- For balance transfer: LOD letter from your existing financial institution. It is a list of property documents kept by them.
- For construction loan: map and estimate of construction. (you can provide after login of the application)
Our Customers Says
I got my home loan from a Private NBFC at very high rate 16%, however as I discussed it with Joy Loan, they helped me to get balance transfer to Gov NBFC and now it is at 7.8%. Really professional and good firm to get home loan and Balance Transfer.
Since many months I was trying for my home loan transfer. They did it only in few days. thank you ravinder bhutani ji for your personal attention.
No Bank was giving construction loan to me due to rural property in my village. He helped me in getting a construction loan. Very Honest and Professional deal. Thanks, Ravinder Ji for the Support!
Joy Loan helped me for a plot and construction loan in Bhondsi, Gurugram. I am happy with their work. I also referred few contacts to them.
I got my loan sanctioned within 2 weeks for a house that is on unapproved property. Thank you joy loan and thank you, Mr. Bhutani.
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