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Home loan is an optimal choice when it comes to purchasing a new home or plot of land for construction purpose. Considering the requirement of customers, Citibank has launched its home loan products in attractive scheme with affordable equated monthly instalments to entertain its potential customers the best. The bank incredibly gives loan amount of Rs 5 crore which is quite optimal and sufficient to finance any new home that you wish to purchase. The bank also ensures that the customers are charged at affordable interest rate on the loan to help them afford premiums without any financial concern.
Citibank home loan is available for self construction of new home other than purchasing a new readymade home. As it happens with all the other loans in India, Citibank also has some documental procedures for borrowers which are essential to submit as per the demand of the bank.
For the salaried individuals, they need to submit documents like proof of age, identity proof and residential proof plus salary slip and a proof of job stability in certain organisation. Bank statement of salaried person is verified to fathom current income capacity of the applicant. Here, the salaried persons are advised to clear off all the pending loans incurred from any previous bank. Borrowers with bad credit score are not eligible for Citibank home loan.Self employed individuals are also eligible for Citibank home loan provided that they submit all the essential documents as demanded by the bank. Documents for such borrowers include application form with recent photograph, ITI return file, bank statement for three months, proof of age, identity proof, resident proof and signature verification proof.
Bank demands document of bank statement in order to check credit score of self employed individuals. Understandably, if the bank statement shows huge outstanding balances of the borrowers, Citibank doesn�??t consider him/her for its housing finance. Like salaried individuals, self employed individuals are also requested to clear off all their outstanding loans before applying for Citibank housing finance.For more information about additional documents for both salaried and self employed individuals, customers should log in to the website of Citibank or personally visit at any branch of the bank for the same purpose.
Citibank home loan eligibility criteria involve consideration of age, repayment capacity and credit score of potential borrowers (salaried and self employed in this case). Repayment capacity is checked to ensure whether or not the loan lent will be repaid in time by the loan recipient. That�??s why; bank requires collateral and this could be anything like the new home or plot of land or any collateral that you already possess.
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