Home loans, mortgage and money against property
62 documentsA property is standing behind a loan — being offered as security, carrying a charge, or coming out from under one.
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Applying and sanction
- Request to Change the EMI DateAsks a lender to move a loan's monthly EMI due date.FreeOpen
- Application for the Annual Home Loan Interest CertificateRequests the annual certificate splitting a home loan's principal and interest paid.FreeOpen
- Request to Switch the Interest RateAsks a bank to move a loan onto a lower or different interest rate.FreeOpen
- Part Prepayment Request Letter (Home / Retail Loan)Tells a lender how to apply a lump-sum part-payment against a loan.FreeOpen
- Loan Balance Transfer RequestMoves an existing home loan to a new lender offering better terms.FreeOpen
- Request to Change the Loan AmountAsks a lender to increase or reduce an already-sanctioned loan amount.FreeOpen
- Request to Add a Co-ApplicantAsks a lender to add another person as a co-applicant on a home loan.FreeOpen
- Home Loan Application Covering LetterCovering letter summarising a fresh home loan application for the lender.FreeOpen
- Income and Employment Declaration for a LoanBorrower's signed statement of income and debts for a lender's loan assessment.FreeOpen
- Loan Disbursement Request LetterInstructs a lender to release a specific sanctioned payment to a named payee.FreeOpen
- Moratorium or Instalment Holiday RequestAsks a lender to consider an EMI holiday or restructuring during hardship.FreeOpen
- Property Documents Submission LetterHands over property papers to a lender for loan appraisal, with an inventory.FreeOpen
- Request to Extend the Validity of a SanctionAsks a lender to extend a loan sanction before it expires unused.FreeOpen
- Request for a Copy of the Sanction LetterRequests a complete or duplicate copy of a lender's sanction letter.FreeOpen
- Top-Up Loan RequestAsks for extra financing against property already mortgaged to the same lender.FreeOpen
- Tranche Disbursement RequestRequests the next staged loan payment as construction reaches its next milestone.FreeOpen
- Loan Restructuring RequestAsks a lender to change a home loan's terms, such as a longer tenure or lower EMI, because of hardship.FreeOpen
- PMAY Affidavit (No Pucca House)Sworn statement that you and your household own no pucca house, for a PMAY subsidy or housing benefit.FreeOpen
Mortgage and security documents
- One-Time Settlement (OTS) ProposalOffers a lender a lump sum to settle an overdue loan for less than owed.FreeOpen
- Application for Permission to Mortgage an Allotted Property (Estate Office Chandigarh; GMADA or GLADA in Punjab)Applies to the allotting authority for permission to mortgage an allotted property.FreeOpen
- Representation and Objection under Section 13(3A) SARFAESI ActUrgent written objection to a bank's demand notice before it seizes secured property.FreeOpen
- Affidavit of Clear Title to a LenderBorrower's sworn statement to a lender about the property's title and encumbrances.FreeOpen
- Central Registry Charge Registration RequestRegisters a lender's mortgage with the central charge registry to prevent fraud.FreeOpen
- Equitable Mortgage Confirmation LetterConfirms title deeds were deposited with a lender to secure a loan.FreeOpen
- Hypothecation Agreement for Fixtures and EquipmentGives a lender security over fittings and equipment installed at a business.FreeOpen
- Loan Agreement Against PropertySets the commercial terms of a loan secured against property.FreeOpen
- Memorandum of Deposit of Title DeedsRecords that title deeds were deposited with a lender to create security.FreeOpen
- English Mortgage DeedA mortgage where the property itself transfers to the lender until the loan is repaid.FreeOpen
- Simple Mortgage DeedThe ordinary registered mortgage — you keep the property, and repay the loan.FreeOpen
- NOC for a Second ChargeFirst lender's written consent before a property carries a second mortgage.FreeOpen
- Second Charge Creation LetterRecords a second-ranking mortgage created on an already-mortgaged property.FreeOpen
- Undertaking to Create a MortgageBorrower's promise to complete a mortgage once a pending condition is cleared.FreeOpen
- Section 17 SARFAESI Application to the DRTChallenges a bank's possession or sale of mortgaged property before the Debts Recovery Tribunal.FreeOpen
Guarantors and co-borrowers
- Deed of Guarantee (Personal Guarantee)A personal guarantee standing behind someone else's home loan repayment.FreeOpen
- Co-Borrower Consent and UndertakingRecords a co-borrower's clear consent to a loan before it is disbursed.FreeOpen
- Request to Remove a Co-BorrowerAsks a lender to remove one co-borrower and continue the loan alone.FreeOpen
- Continuing Security LetterConfirms whether existing security still covers a renewed or changed loan facility.FreeOpen
- Guarantor KYC and DeclarationCollects a proposed loan guarantor's identity, income and existing liabilities.FreeOpen
- Indemnity by a Co-BorrowerOne co-borrower privately agrees to cover specific loan payments for the other.FreeOpen
- Legal Heir Undertaking on the Death of a BorrowerHeir informs a lender of a borrower's death, without accepting personal liability.FreeOpen
- Notice to a Guarantor of DefaultLender's formal notice telling a guarantor it will now rely on the guarantee.FreeOpen
- Request to Release a GuarantorAsks a lender to formally release a guarantor from a loan.FreeOpen
- Spouse Consent for a MortgageRecords a spouse's role or consent before a property is mortgaged.FreeOpen
- Request to Substitute a GuarantorAsks a lender to replace one loan guarantor with another.FreeOpen
- Co-owners' Home Loan Tax Share DeclarationCo-owners record their shares in a home and the loan, so each claims only their own tax benefit.FreeOpen
Closing the loan and releasing the title
- Request for a Foreclosure and Balance Transfer QuoteAsks a lender for the exact payoff amount to close a loan early.FreeOpen
- List of Documents (LOD) Request to the Existing LenderAsks a lender to list exactly which property documents it is holding.FreeOpen
- Loan Closure Request LetterAsks a lender to close a loan and return all documents and security.FreeOpen
- Complaint for Delay in Returning Title DeedsComplains that a lender hasn't returned title deeds after a loan was repaid.FreeOpen
- Acknowledgement of Return of Original Title DeedsBorrower's own record of exactly which original papers a bank actually returned.FreeOpen
- Acknowledgement of Original Documents ReceivedBorrower's signed inventory of original title documents returned by a lender.FreeOpen
- Intimation of Satisfaction of ChargeTells the registry a loan's security charge has been satisfied and should be cleared.FreeOpen
- Complaint for Delay in Removing a ChargeComplains that a lender hasn't cleared a security charge well after repayment.FreeOpen
- Foreclosure Statement RequestRequests a lender's exact payoff figure before closing or transferring a loan.FreeOpen
- Loan Account Statement RequestRequests the lender's full ledger of a loan account for a stated period.FreeOpen
- Mortgage Release DeedFormally extinguishes a lender's mortgage once the secured loan is fully repaid.FreeOpen
- No-Dues Certificate Request From a LenderRequests written confirmation that a loan account is fully closed with nothing owed.FreeOpen
- Reconveyance DeedTransfers mortgaged property rights back to the borrower after the loan is repaid.FreeOpen
- Request to Update the Credit Bureau After ClosureAsks for a credit report to be corrected after a loan is actually closed.FreeOpen
- Request to Remove a Lien From the Property RecordAsks an authority to remove a cleared lender's charge from a property record.FreeOpen
- Credit Report (CIBIL) Dispute LetterTells a credit bureau that your credit report is wrong and asks it to verify and correct the entry.FreeOpen
- Loan Insurance Claim after a Borrower's DeathA family member claims the loan insurance after the borrower dies, so the insurer clears the loan.FreeOpen