
Thank you for choosing 'The Decent Space' as a financial partner.
Now, you are just a few clicks away to submit your application. Please do remember that; the loan application, sanctioning and disbursement of the loan amount is dependent upon the following few important things. Hence, we request and suggest all our customers provide all details in a synchronized manner for the fastest possible processing of your application.
Important things to be considered while processing any loan applications are:
# Applicant's profile and age.
# Existing Income Vs Expense ration
# KYC Docs.
# Purpose of Loan 'or Nature of loan.
# Documents in support of your mentioned purpose.
# Existing EMIs & existing assets value 'or' net worth.
# Credit score 'or' credit history 'or' banking track record.
# Income documents.
Whenever you are ready with all the above basic details. It is always easy to assist you with the BEST solution from the competition. In case you have confusion in any of the above parameters, team TDS and our representative will happy to solve your related queries before application processing and suggest you the BEST product along with the BEST company for you.
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Another requirement for any loan is your documentation and its quality. As soon as you submit the below-mentioned documents as per the applicable loan requirement to us. Sooner you can expect the processing and disbursement of your required amount.
Applicant's Mandatory List Of Documents are (for all applicants 'or' signatories):
- Two passport size photographs.
- Date of birth proof (PAN / DL / VID / Aadhar / Passport etc.).
- Identification proof (PAN / DL / VID / Aadhar / Passport etc.).
- Residence Address proof (DL / VID / Aadhar / Passport / Utility bills etc.).
- Signature verification proof (PAN / Passport / Bank Verification etc.).
- Income proof (Salary Slip / Form 16 / Audited ITR with computation etc.).
- Bank statement (Up to six months for the salaried applicant).
- Existing loan track records 'or' their SOA.
- Complete filled Loan Application form duly signed by authorized signatories.
- Up to 3 blank security Chqs from the existing account.
Please Note: If the company is coming as an applicant in the loan application. All the above documents (except photographs)are required for the company as well.
Additional Documents Required for all different loans are as mentioned below:
For Home Loan
- Sale deed, agreement of sale with the builder (original copy).
- Land and building tax paid receipts, location sketch of the property certified by the revenue authorities, possession certificate.
- Letter of allotment given by the Housing Board/Society/Private builder.
- Original receipts of the advance payments that are made towards the purchase of the flat.
- An approved copy of the building plan (key plan/floor plan in case of purchase of flats).
- Original of the land tax paid receipt and possession certificate as issued by the revenue authority.
- Original No objection certificate (NOC) from the housing society or builder.
- A detailed estimate of the cost of construction of the house.
- Letter from the builder/society/housing board, stating their account number and name of their bankers for the remittance of instalments.
For Loan Against Property- Property documents and Property ownership proof.
- Office address and ownership proof.
- Proof of business existence 'or' Company registration/license.
- Bank statement: Latest 1 year bank statement (both savings and current).
- Copies of all property documents: Sale deed/copy of Agreement, share certificate (if society formed), maintenance bill
- Advance processing cheque: to process loan documents for sanction.
- Professional Degree Certificate: (in the case of professionals).
For CAR Loan- Pro-forma Invoice from dealer 'or' Rate List.
- Balance payment receipt before disbursement.
For Business Loan- Company audited ITR with computation for the last 3 years.
- Existing loan sanction letter and last two years SOA.
For Personal Loan- Same as above mentioned basic documents.
For Education Loan- Bank Statement / Pass Book of the last 6 months
- Optional – Guarantor Form
- Copy of admission letter of the Institute along with fees schedule
- Mark sheets / passing certificates of S.S.C., H.S.C, Degree courses.
- A demand letter from a college or university.
- Receipts of margin money paid to the college/university along with bank statements reflecting the transaction.
- Documents for collateral security (if applicable).
- Form A2 signed by applicant or co-applicants in case of the overseas institute.
- Same documents are required for all subsequent disbursements needed.
For GOLD Loan- Basic KYC of an individual as mentioned above.
- GOLD ornaments to deposit.
- SB account for disbursement.
For Loan against Card Receivables- Twelve months' Audited Credit Card Sales Statement.
- Request for loan letter on the Merchant's letterhead, duly stamped and signed.
- Audited ITR with computation for the last 3 years.
Please have a look at the loan processing Stage 'or' Process cycle of Loan Application
