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Money matters

Loan Against Property Documentation Process by YES BANK

Loan Against Property Documentation

With the inclusion of commercial as well as non-commercial property, you can make the most of your dormant investments for all your financial requirements. At YES BANK, we offer you Loan Against Property at attractive interest rates, easy EMIs, and flexible tenures.

The following documents are necessary when applying for a Loan Against Property from YES BANK:

  • Proof of Identity and Signature: PAN Card, Passport or Aadhaar Card.

  • Proof of Address (Residence or Office): Passport, latest utility bills, and/or ration card.

  • Income Documents: The income documentation for a Loan Against Property differs for salaried individuals, self-employed professionals, and self-employed businessmen/retail SME enterprises:

  1. Salaried Individuals — Salary slips from last 3 months; last 2 years’ income tax returns and/or Form 16.

  2. Self-Employed Professionals — Last 2 years’ income tax returns with a computation of income; an audited balance sheet; profit and loss account including your tax audit report, if applicable; and proof of your turnover based on latest sales and services tax returns.

  3. Self-Employed Businessmen/Retail SME Enterprises — Income tax return of last 2 years with a computation of income; audited balance sheet and profit and loss account, if applicable; tax report of the audited balance sheet and profit and loss account; turnover proof of the latest service and sales tax returns.

  • Bank Statement: Bank statement of salary/main operating bank account for the last 6 months.

  • Details of all existing bank loans

  • Additional Document for Partnership Firms: Partnership deed in case of a partnership firm.

  • Additional Document for Private/Public Limited Company: Memorandum and article of association, and a list of directors and shareholders in case of a private or public limited company.

  • Property Documents: Attached copies of all property documents.

We, at YES BANK, thrive towards and ensure your convenience. It is advisable to carry original documents alongside the copies for a faster and smoother verification while processing your personal Loan Against Property.

 

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