UNITED HOUSING LOAN SCHEME BRANCH PROCESSING SHEET

FOR UNITED HOUSING LOAN

Applicant
1 Applicants’ Name and Full Address : Mrs. Gupta 9/D C.N. Roy Road,
Serampore, Hooghly
2 Father’s/ Husband’s Name of the : Mr. Gupta
Applicant
3 Whether SC or ST : No
4 Age of Applicant : 50 yrs.
5 Occupation : Central Govt. Employee
6 Manager’s Findings about the :
applicant
7 Risk score : Obtained Score 78.0
Cut off Mark 55
Grading Scale Pass
8 Details of Employment/Business :
including date of appointment and
date of retirement
9 Nature of account maintained with :
us and since when
10 Purpose : Purchase of Ready Ownership Flat
11 Position of Personal Assets & Liabilities as on
Assets Liabilities
a)Bank/other Rs. 2000.00 a)Employer Rs.0.00
Deposits b)Friends/ Family Rs.0.00
b)Life Insurance, Rs.0.00 c)Govt./Govt. Rs.0.00
if any (surrender Undertaking, PSU, if
value) any
c) Movable Rs.0.00 d)Creditors
Properties
Rs.0.00
d) Immovable e)Others (specify) Rs.0.00
Rs.2600000.00
Properties
e) Debtors Rs.0.00 Total Rs.0.00
f) others (specify) Rs.0.00 Networth (Asset- Rs.2602000.00
Total Rs.2602000.00 Liabilities)

12 a) Declaration of the house/flat : Purchase of Flat

 to be purchased/ repaired/ Age of Premises: 0 yrs.
renovated etc. including age
of the structure in case of
outright purchase of ready
house/ flat
b) Whether the nature of the : Yes
dwelling unit is acceptable
as per scheme
c) Address with Police Station :
d) Covered Area : 1146 Sq.ft
e) No. of Rooms, etc. :
f) Other particulars :
13 Location vis-à-vis the loan amount
a) Location of the property : Urban
b) Maximum amount of loan : Rs.7500000
permissible for the location
as per the scheme
c) Whether applied loan : Yes
amount is within the
permissible limit
14 1. Amount of non refundable : Rs.0.00
processing fee required as
per scheme
2. Date of depositing the fee
15 Documents attached : 1. Application Form.
2. Approved Building Plan.
3. Employer’s Confirmation for
salaried person.
4. Letter of authority of Borrower
for Salaried Persons.
5. Letter addressed to Employer
by Employee for Salaried
Person.
6. Latest Salary Slip showing all
deductions.
7. Copy of Employer Identity
Card/Employer Certificate.
8. Voters Identity card/Ration
Card/Passport/Driving License.
 9. Copy of PAN Card.
10. IT Return.
11. Form 16.
12. Operating Bank A/c Statement
13. Title Deed of Property.
14. Latest Municipal tax receipt.
15. Assets & Liability Statement
of Guardian/Co-
borrower/Spouse of student.
16. Recent Passport size
photograph (3)
Computation of amount of loan eligible : Rs.1589906.00
as per guidelines
16 Cost of the project vis-à-vis the loan amount
Project cost
a) Construction cost/ purchase : Rs.2522000.00
price
b) Extension/repair cost : Rs.0.00
c) Stamp duty and registration : Rs.0.00
charges
d) Registration cost : Rs.0.00
e) Other permissible incidental : Rs.0.00
expenses
Total cost : Rs.2522000.00
17 Means of Finance
a) Loan from Bank : Rs.1589906.00
b) Contribution by the : Rs.932094.00
applicant
Total means Rs.2522000.00
18 Margin
Margin offered : Rs.932094.00
Whether the offered margin is Margin offered is greater than
more than or equal to minimum minimum margin
margin
19 Income vis-à-vis the EMI
Income Details for Applicant
a) Gross income : Rs.72918.00
b) Deductions : Rs.18700.00
c) Net take home salary : Rs.54218.00
 d) Monthly Other Income : Rs.0.00
e) Monthly Expenses : Rs.0.00
f) Monthly Other Deductions : Rs.0.00
g) Monthly surplus : Rs.54218.00

Income of the Applicant(s)

i)Gross income : Rs.72918.00
ii)Less Deductions : Rs.18700.00
iii)Net take home salary (i-ii) : Rs.54218.00
iv)System computed EMI based on : Rs.15656.43
required loan amount and tenure of
the loan
v)Total deduction after considering : Rs.34356.43
the proposed EMI
vi) Total deductions (v) as : 47.11
percentage of gross income (i)
vii) Whether (vi) is less than or : Yes
equal to 60% of (i)
viii) Monthly other income : Rs.0.00
ix) Monthly total income( (iii)+ : Rs.54218.00
(viii) )
x) Monthly expenses (Include : Rs.0.00
Other Deduction)
xi) Monthly Surplus (ix-x) : Rs.54218.00
xii) Whether there is a request for : No
flexi EMI
xiii) If yes, whether adequate proof
in support of future income has
been furnished
20 Tenure of loan in months
i) Requested tenure of the loan : 180
ii) Whether within the maximum : Yes
permissible under the scheme
iii) Whether deviation required
PARAMETERS VALUE DEVIATION
Age 50 No
Regular Income Salaried No
Defaulter No No
Salary Remittance No Yes
 EMI Remittance No No
Arrangement
Additional security: At Rs.0.00 Yes
least 10% of loan
amount
Retirement Age within 70 No
Loan Terms
Net Income After Yes No
Proposed EMI>=40%
of Gross Income
Loan Amount>=75% of No No
Project Cost
Income proof for flexi Yes No
EMI
Risk Rating 78.0-PASS
Monthly surplus is Yes No
more than EMI
Whether legal opinion Yes No
has been obtained
Whether valuation Yes No
report is satisfactory
Pre-sanction inspection Yes No
report of the
Manager/officer is
satisfactory
iv) Deviation approved by : 28235 -
v) Current age of the applicant : 50
vi) Estimated age at the time of :
liquidation of the loan
21 Amount of loan eligible : 1589906.00
22 Rate of interest
a)Nature of rate : Floating
b) Whether the above nature of rate : Yes
is permissible for the tenure of the
loan
c) Applicable rate : 8.5
d)Less Concession (only for loans
for more than 5 yrs.)
i)For insurance cover under the : 0
 scheme
ii)For additional security valuing : 0.00
more than 50% of the applied loan
amount.
e) Rate after allowing concessions : 8.50
(c-d)
f) Applicable floor rate : 0.00
g) Final rate of interest (higher of e : 8.50
and f)
23 Margin
a) Minimum permissible : 10%
b) Offered : 37%
24 Is Pre-sanction Inspection Report :
of the Manager/Officer satisfactory
25 Manager’s findings/ observations/ :
recommendations

Recommended for sanction Sanctioned

Signature Signature

Designation Designation

Date Date