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* nffiiihBcnkDocuments Required to be Fulfilled bv the Diasporas while Requesting

a Loan for Acquision or Construction of Residential Building

Documents required Presentedor Not

Datepresented

o Apptication Letter (The letter shall indicate the amount of loanrequested, duration, repayment frequency, collateral offered,purpose of the loan, source of repoyment and so forth.

o Copy of passport.

o Bank Stdtementlif aryl .

o Credit lnformation in the name of the borrower, mortgagor andspouse, if any . If it is a company, credit information shalL berequested in the name of the company, major shareholders ondrelated oarties.This atiitv shall be done bv the Bank.

o Tox Clearance.

o Tax Return Stotement.

o Tax Payers ldentification Number.

o An agreement concluded with the real estate devetoper or the setler

o lf the purpose of the loan is for purchase of a residential house, theborrower shall at least cover 30% of the total purchase cost fromhis/her/its own source and present a document verifying the same.

o lf the purpose of the [oan is for construction of a residential house, theborrower shatl at least cover 30% of the total construction cost from

o The down payment for the purchase of the house, the initialinvestment for construction of the house and subsequent loanrepayments shat[ be transferred/wired in foreign currency through

o Power of Attorney for loans to be requested by an agent (attorney-jn-fact). lf the buyer is married, the power of attorney sha[[ be given bythe couples. lt must clearly state that the agent sha[[ have the powerto borrow money from bank in the name of the borrower, sign loanand mortgage contracts etc.

o Source of Income. A document attesting the income of the borrowerand spouse to determine the rapayment capacity of the borrower.

o Permanent residence permit.

o Ceftificate of Marital Status.

o Approved plan and title deed certificate of the house to be acquiredor constructed, lease agreement and payment receipt (if the ptot islease hotd). Bilt of quantity and work permit-(lf.the purpose of thetoan is for finshinq a house under construction). .

o Other documents as deemed necgssary \

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