SBI Home Loan Application Form

• Form A - Personal Details
• Form B - Employment and Income Details
• Form C - Property and Loan Details
• Form D - Declaration

Form A - Personal Details:

On the topmost part of the form is where you declare whether you are the applicant, co-applicant or guarantor. If you are taking the home loan alone, then you are the applicant; if you are taking it jointly with someone you are a co-applicant and if you are standing as a collateral guarantee to someone who is taking the loan, you are the guarantor.

In this section you have to fill in your personal details:

1. Name (leave spaces between 2 words)
2. Gender and salutation (title)
3. Date of Birth
4. Marital Status
5. Name of spouse and father
6. The number of people dependent on your income
7. Mother's maiden name (your mother's surname before she got married)
8. Category for special benefits (SC/ST or General)
9. Nationality, Residential status and Religion
10. Place of Birth
11. Photo identification type (Aadhaar, Voter's ID, Ration card, etc.) and the number of whichever card you are submitting, and its validity
12. Driving licence number and its validity
13. PAN or GIR number (the older version of PAN)
14. Passport number and its validity
15. Highest education qualification and the year of completing this course
16. Current address in full (you also need to indicate how long you have been staying at this address)
17. Contact numbers - telephone and mobile number(s)
18. Personal email id
19. Permanent address in full (if different from the current address). If the permanent address is the same as current address, just tick 'Yes' in this column.
20. Telephone number of permanent address
21. Office address or address of the place where you run your business
22. Office contact details and official email id
23. Repayment mode: This refers to which method you'd like to choose to repay the loan/pay the equated monthly instalments (EMIs). You can select any of the following:
    1. Check-off: Where your employer will deduct the EMI amount from your salary and deposit it with the bank.
    2. Electronic Clearing System (ECS): Where you can have the amount deducted from your account without manual interference. This can be done for an account in another bank as well.
    3. Post-dated cheques: Where you provide the bank with cheques dated for a specific date every month and the bank will encash them accordingly.
    4. Standing Instruction: Where you provide the bank with an instruction to debit the EMI amount from your account in the same bank.
    5. Others: Any other mode of payment you choose. Check with the banker for the options available.
24. Relationship with the bank: The number of years you have been associated with SBI.
25. References: You have to provide references of two individuals not related to you to certify your good conduct and debt levels.

Form B - Employment and Income Details:

In this section, you have to first specify whether you are salaried, self-employed or running your own business or a pensioner. Following that, these details need to be filled in if you are a salaried person:

1. Name of employer
2. Your employment status
3. Total professional experience and breakdown in terms of experience in the present job and previous job
4. If you are specifying a previous employment, you also have to give the previous employer's name, contact number and address
5. The industry you are involved in currently - for example, media, textile industry, banking or insurance, digital marketing, sales, accountancy, etc.
6. The type of organisation you are working in, your department and designation
7. Your employee number in the current organisation, and service remaining (if you are close to retirement)
8. Website of your current company
9. If you are a self-employed individual, the details given below have to be provided:
10. Nature of business and type of ownership, and the number of partners if it is a partnership firm
11. Name of business and the industry it falls under
12. Trade licence number and its expiry date
13. The percentage of shares you hold in the company
14. Name of the person who holds the power of attorney (POA)
15. Income with a detailed break-up of net income, gross income, frequency of receiving income and mode of payment (cheque/net transfer)
16. Deduction details including gross obligations, net obligations and the number of times in a month you have to meet these obligations. These could include deductions by your company or bank on overdraft or debts you owe your friends and relatives, etc.
17. Details of existing loans with banks, the type of loan (car loan, personal loan, etc), EMI amount, frequency of EMI deduction, the number of EMIs paid and outstanding balance
18. Information about the number of bank accounts you hold
19. Details of the credit cards you hold
20. Information about the fixed deposit accounts you own
21. Details of assets owned, such as land, property, shares and bonds, jewellery, etc.

You and your co-applicants and guarantor (if applicable) have to sign at the end of this form with date as a self-notarisation of the information provided.

Form C - Loan Details:

Under this section, you need to provide the loan details that includes the loan requirements, such as: 

1. Purpose of loan: Indicate whether you want the loan to construct a new house, buy a new or old house or flat, purchase of plot, renovation of existing house, home extension or balance transfer of a home loan from another bank. 

1. Requested loan amount 

1. Mode of repayment 

1. Account details for standing instruction 

1. Start date of SI or NACH 

1. Facility such as whether it would be Term Loan, Overdraft of Hybrid 

1. Tenure and moratorium 

1. Declaration for whether you want interest to be capitalised during moratorium 

1. IMGC guarantee and Guarantee amount (if ‘YES’) 

1. Bank name of where existing loan is maintained, in case of takeover 

1. Disbursement schedule 

1. Details of seller or builder 

1. Existing loan if any 

Form D- Property Details 

Under this section, you need to provide the property details including property type, location of the plot and other details, such as: 

1. RERA Registration Number 

1. Project name 

1. Property Status 

1. Sale transaction category 

1. Rental income from the proposed house property 

1. Propety status holding 

1. Lease period 

1. Built up area 

1. Building name and wing name 

1. Flat number 

1. Carpet area and Super built-up area 

1. Address including village, district, country, state, city and Pincode 

1. Details of construction or purchase 

1. Collateral details and type 

Form E- Insurance and Declaration 

Under this section, you get the details abou the insurance and need to provide your consent for it. You can choose to protect your home loan liability with a Group Credit Life Insurance plan. This insurance cover is optional, and borrowers are free to purchase it from any insurance provider. If you wish to finance the insurance premium, it can be availed as a SURAKSHA Loan, with its repayment period aligned with your home loan tenure. 

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