Buyers Guide

GUIDE TO ALL YOUR HOME BUYING QUERIES

GUIDE TO ALL YOUR HOME BUYING QUERIES

BUYERS GUIDE

LOAN ENQUIRIES

Yes. All Haware properties offered for sale have clear titles. All Haware projects are approved with most leading banks and financial institutions for availing home loans

Q. How Much Loan Can I Avail?

You can avail a maximum loan of 80% of the Agreement value. However your loan amount may differ as per your income eligibility as appraised by the bank. All loans are at the sole discretion of the bank.

Q. What is the term of the loan that banks offer?

Loan tenures to a maximum of 30 years, depending on age.

Q. What are the documents required for availing a home loan?

  • Completed application form
  • Photograph
  • Photo Identity Proof
  • Residence Address Proof
  • Signature Verification Proof
  • Age Proof
  • Fee Cheque

Q. For Salaried applicants

  • Last 3 months’ Salary Slip
  • Form 16
  • Repayment Track record of existing loans/Loan closure letter
  • Bank Statement for the last 6 months from Salary Account

Q. For Self Employed Applicants

  • A brief introduction of Business/Profession
  • Photo Identity Proof, Residence Address Proof, Signature Verification Statement for all the main partners/directors
  • Repayment Track record of existing loans/Loan closure letter
  • Board Resolution in case of a company
  • Proof of existence of the company
  • Office Address Proof
  • Income Tax Return / Computation of Total Income / Auditors Report / Balance Sheet / Profit & Loss Account certified by Chartered Accountant for last 2 years (both for business and personal of partners/directors)

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NRI GUIDE

WHY INDIA?

WHY MUMBAI?

Financial, commercial and industrial capital of India – Mumbai states the reasons for itself. Overwhelming number of multinational companies, uber-high convenience of connectivity, cosmopolitan culture to mingle in, and countless employment opportunities to grab onto – Mumbai is the most sought-after choice, serving housing units to hordes every day.

WHO IS AN NRI?

An Indian Citizen who holds a valid Indian passport and stays abroad for employment/carrying on business or vocation outside India or stays abroad under circumstances indicating an intention for an uncertain duration of stay abroad is a non-resident Indian (NRI). Non-resident foreign citizens, of Indian Origin, are treated at par with non-resident Indians (NRI).

WHO IS CONSIDERED A PERSON OF INDIAN ORIGIN (PIO) FOR INVESTMENT IN IMMO- VABLE PROPERTIES?

A foreign citizen (other than a citizen of Pakistan, Bangladesh, Afghanistan, Bhutan, Sri Lanka or Nepal) is deemed to be of Indian origin if : He held an Indian passport at any time, He or his father or paternal grandfather was a citizen of India by virtue of the Constitution of India or the Citizenship Act, 1955 (Act No. 57 of 1955).

WHAT IS AN OCB?

Overseas Corporate Bodies (OCBs) are those which are predominantly owned by individuals of Indian nationality or origin residing outside India and include overseas companies, partnership firms, societies and other corporate bodies which are owned, directly or indirectly, to the extent of at least 60% by individuals of Indian nationality or origin residents outside India as also overseas trusts in which at least 60% of the beneficial interest is irrevocable held by such persons. Such ownership interest should be actually held by them and not in the capacity as nominees. The various facilities granted to NRIs.

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