Vijaya Bank Home Loan in Kochi

Last Updated : April 11, 2017, 6:21 p.m.

About Vijaya Bank Home Loan in Kochi

Vijaya Bank with its widest range of financial products such as home loan is offering the finances to those who want to buy their dream home in the beautiful city of Kochi. Yes, the bank is offering the same at lower rates and plenty of other benefits to choose from.

Vijaya Bank Home Loan Kochi at a Glance

Eligibility Criteria

• The minimum age of the applicant at the time of availing the loan should be 21 and 65 years.
• The maximum age of the applicant at the time of loan maturity should be 75 years.
• Assessment of finance: Upto 75 months’ average gross income of the applicant subject to take home income and minimum margin requirements.
• Applicant can add income of spouse/children, expected rent, depreciation and income from other sources to enhance loan eligibility.

Documents Required

• Application form with two photographs of applicant,Co-applicant & guarantor needs to be submitted.
• Latest IT returns for 2 years with salary slip for the last 3 months of the applicant/Co-applicant/Guarantor in case of salaried person Computation sheet/P&L Statement/balance Sheet,past two years duly certified by the CA/Income tax assessment order/IT returns in case of Professionals/Self employed/Business person(for 3 years,if IT assessed).
• Latest Salary certificate and Form no.16 of the applicant/co-applicant/guarantor needs to be submitted.
• Income certificate issued by Revenue Authorities in case  the applicant is an agriculturist.
• All the Land records and documents in original and two sets of copies.
• License for construction/renovation of House/Flat.
• Approved plan/Blueprint for the proposed construction or extension.
• Allotment letter of  Co-operative Housing Society/Apartment Owners’ Association/Housing.
• Board/NOC from the Society/Association/Builders/Housing Board.

Click to Know Home Loan Kochi

Address of Vijaya Bank Branches in Kochi