Outright

Purchase: The outright purchase loan option provides financing for buying a new house. Home Improvement: Home-improvement loan option provides financing for renovating your house.

Outright Purchase

Descriptors

Home Improvement/ Renovation 3 years to 20 years Rs. 300 000 - Rs. # 000 000 *0%

3 years to 20 years Rs. 300 000 ! Rs. "# 000 000 $#%

Loan tenure Loan amount &a'imum financing amount (as % of appraised value of the property)

# years

+roperty lease # years (years remaining at the time of loan maturity) +roperty insurance Life insurance (through H,L by the insurance company on H,Ls panel) ,orne by the ,an+rimary applicant and co-borrower

,orne by the ,an+rimary applicant and co-borrower

Salaried Individuals .ationality +a-istani (resident)

Self-Employed usiness Persons/ Professionals

+a-istani (resident)

Permanent employees &inimum age at the time of /ge criteria of the loan application should be 2" main applicant and years. &a'imum age at the co-borrower whose time of loan maturity should income is being be 00 years. clubbed (spouse only) !ontractual employees &inimum age at the time of loan application should be 2" years. &a'imum age at the time of loan maturity should be ## years Length of 1mployment

&inimum age at the time of loan application should be 2" years. &a'imum age at the time of loan maturity should be 0# years.

Permanent employees &inimum 2 years &inimum " year e'perience2 e'perience in 0 months e'perience with personal business. confirmed employment status in the current 3ob. !ontractual employees &inimum 2 years wor-

Salaried Individuals

Self-Employed usiness Persons/ Professionals

4.54 copy 2 passport si6e photographs Letter from employer 2 latest salary slips or salary certificate ,an- statement for last 0 months and ban- letter confirming details of account 4opies of property documents

4.54 copy 2 passport si6e photographs +roprietorship7 ,an- 4ertificate 8 Latest Ta' /ssessment 9rder Latest one year ban- statement +artnership :eed Registered ;orm 4 &emorandum /rticle of association and registered ;orm 2< / (applies to company directors) 4opies of property documents

"pplication processing charges #including $%& 'ED(

Rs) *+,,,/- #non-refunda-le(

1arly settlement charges

=.*% of outstanding principal

+artial payment charges

=.*% of ad3usted principal

Late payment charges

Rs. *00 (for each late payment)

+roperty evaluation fee

/ctual cost plus "0% ;1: to be recovered

Legal fee

/ctual cost plus "0% ;1: to be recovered

4hoice of used new local8imported and reconditioned imported car. Repayment options ranging up to * years. >p to $#% of financing for the car of your choice. 5nsurance at all times for complete peace of mind and security. Round the cloc- support available through H . Phone an/ing2 you can place your re?uests and ?ueries trac- the status of your repayment8loan account and avail other value-added services through H,L +hone,an-ing.

Salaried Individuals

Self-Employed usiness persons/ Professionals

+a-istani

!iti0enship

+a-istani

"ge

22-00 years

22-*0 years

1inimum monthly income

Rs. 20 000

Rs. 2# 000

Salaried Individuals

Self-Employed usiness persons/Professionals

4opy of 4.54 2 recent passport si6e photographs Latest original salary slip and personal ban- statement for last 3 months.

4opy of 4.54 2 recent passport si6e photographs ,an- statement for last 0 months and ban- letter confirming details of account. +roof of ,usiness.