Salaried vs Self Employed customer ke Home Loan Process Me Kya Antar Hai esko jante hai Home loan lene ke liye Salaried aur Self-Employed logon ke liye process alag hoti hai. Documents, verification aur loan approval me thoda farak hota hai. Aayiye, samajhte hain ki dono categories ke liye home loan process kaise kaam karta hai.
1. Home Loan Process Documents
Salaried Customers Home loan Process ke Liye Required Documents
salaried logon ko apni monthly salary bank account me milti hai, isliye unke documents income proof ke liye simple hote hain:
✅ Aadhaar Card
✅ PAN Card
✅ Passport Size Photo
✅ Last 6 Mahine Ka Bank Statement
✅ Last 3 Mahine Ki Salary Slips
✅ Form 16 (Agar Required Ho)
Self-Employed Customers Home loan process ke Liye Required Documents
Self-employed logon ki income fixed nahi hoti aur business ka profit aur turnover check karna padta hai. Isliye unke documents thode jyada hote hain
✅ Aadhaar Card
✅ PAN Card
✅ Passport Size Photo
✅ Last 12 Mahine Ka Bank Statement
✅ Last 3 Saal Ke ITR (Income Tax Return)
✅ GST Registration Certificate (Agar Applicable Ho)
✅ Business Registration Certificate (Gumasta License/Udyam Certificate)
✅ Business Address Proof (Electricity Bill ya Rent Agreement)
✅ Purchase/Sales Bills (Jisse Business Ki Authenticity Pata Chale)
2. Home Loan Process Kaise Hota Hai?
Step 1: Documents Collection
Sabse pehle, bank ya NBFC (Non-Banking Financial Company) applicant se upar diye gaye documents collect karta hai.
Step 2: Credit Visit & Verification
Salaried Customer:
Credit manager salary slip aur Form 16 verify karta hai aur employer se bhi confirmation le sakta hai.
Self-Employed Customer:
Credit visit me business ki actual situation check ki jati hai—business kaha chal raha hai, kitna turnover hai, aur kitne customers hai.
Step 3: Legal & Technical Report
Bank property verification ke liye legal team bhejta hai jo 13 saal ka legal chain register check karti hai.Property ki market value aur location check ki jati hai.
Step 4: Loan Approval & Disbursement
Agar sab kuch sahi raha to bank loan approve karta hai aur amount disburse kar deta hai.
Conclusion
Home loan lena salaried logon ke liye comparatively easy hota hai, kyunki unki fixed salary hoti hai. Self-employed logon ko jyada documents dikhane hote hain aur business ki proper verification hoti hai. Lekin agar sab kuch sahi ho, to dono category ke log aasani se home loan le sakte hain.