DHFL Home Loans

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Loan Amount: 

1 Lac to 5 Crs

Eligibility: 

Not exceeding 85% of the cost of property (including stamp duty  and registration fees) or 80% of market value, whichever is lower. The actual Home Loan amount is determined taking into various account factors such as:

  • Repayment Capacity
  • Age
  • Educational qualifications
  • Stability and continuity of income
  • Number of dependents
  • Co-applicant’s income
  • Assets
  • Liabilities
  • Saving habits, and more
Documentation: 

    Salaried Individuals

1    KYC Documents
2    Salary slip for the last 2 months / Salary Certificate (If variable components like Over Time and Incentives are reflected then salary slips for the past 6 months are required)
3    Latest Form – 16 if salary above `20000/- per month
4    Copy of all bank pass books / bank statements for the past 3 months including front page
5    Company profile if it is a lesser known organization

    Self – Employed Businessmen

1    KYC Documents
2    Copy of last 2 years Income Tax Returns of the applicant along with computation of income duly attested by a Chartered Accountant
3    Copy of last 2 Years Balance Sheet and Profit & Loss Account of the firm duly attested by a Chartered Accountant
4    Brief Business Profile on the Letter Head of the firm by the applicant
5    Bank Statement for the last 6 months for the Savings Account & Current Account, O/D Account
6    Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration or old ITRs evidencing business
7    Copy of the Partnership Deed, Memorandum of Associations, Articles of Association  (if applicable)
8    Copy of Tax Deduction Certificate / Form – 16A (if applicable)
9    Details of Contract (if applicable)
10    Copy of Advance Tax paid / Self Assessment Tax paid challan

    Self – Employed Professionals

 1   KYC Documents
2    Copy of last 2 years Income Tax Returns of the applicant along with computation of income duly attested by a Chartered Accountant
3    Copy of last 2 Years Balance Sheet and Profit & Loss Account of the firm duly attested by a Chartered Accountant
4    Brief Business Profile on the letter head of the firm by the applicant
5    Bank Statement for the last 6 months for the Savings Account & Current Account, O/D Account
6    Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration
7    Copy of the Partnership Deed, Memorandum of Associations, Articles of Association  (if applicable)
8    Copy of Tax Deduction Certificate / Form – 16A (if applicable)
9    Details of Contract (if applicable)
10    Copy of Advance Tax paid / Self Assessment Tax paid challan
11    Copy of Educational Qualification Certificate
12    Copy of Professional Practice Certificate
13    Salary Certificate (in case of doctors having salaried income)