Home Improvement Loans

• Original registered title deed in your favour
• Parent document copies * linking the chain of transactions over the past 15 years
• Encumbrance certificate for a minimum 13 years or (for prior period) @
• Original plan approved from the Competent Authority &Lay out Approved Plan
• Patta in your name
• Original Estimation

* If the parent deed is prior 13 years and covers the same extent of property currently owned then such original prior / parent deed is also required.

@ If the parent deed is prior 13 years covers the same extent of property currently owned then the EC from the date of the said Original purchase/acquiring of the property is required.

• Original registered sale deed for undivided share in favour of the customer
• Original sale and construction agreement (To be registered if applicable) in favour of the customer
• Original stamped receipt for the payments made by the customer to the builder (i.e. = Total property cost - Home loan amount)
• Encumbrance certificate for a minimum 13 years or for prior period if applicable
• Parent document copies for a minimum 13 years or for prior period of documents if applicable
• Permission of Mortgage Letter by the builder in favour of Sundaram Home's format
• Copy of approved plan and floor plan
• Handing over of possession of flat
• Completion certificate from builder

• Original sale agreement between the seller & the customer
• Original sale deed in favour of the seller
• Parent documents * for a minimum 13 years *
• Encumbrance Certificate for a minimum 13 years @
• Patta and house tax receipt/ EB receipt (latest)
• Original stamped receipt from the seller (i.e. = Total property cost – Home loan amount)
• Copy of approved Building plan & Lay out Approved Plan
• Draft sale deed
• Evidence of handing over of possession by the seller

* If the parent deed is prior 13 years and covers the same extent of property owned by the vendor then such original prior / parent deed is also required

@If the parent deed is prior 13 years and covers the same extent of property owned by the vendor, then the EC from the date of the said Original purchase/acquiring the property is required.

• Original sale agreement between the seller & customer
• Original sale deed in favour of the seller
• Original construction agreement in favour of the seller
• Original stamped receipts given by the builder favouring the seller
• Parent documents * for a minimum 13 years *
• Encumbrance Certificate for a minimum 13 years @
• Latest property tax / EB/ Water & Sewerage receipt in favouring the seller
• Original stamped receipt from the seller (i.e. = Total property cost – Home loan amount)
• Copy of approved plan and floor plan
• Evidence of handing over of possession by the seller

* If the parent deed is prior 13 years and covers the same extent of property owned by the vendor then such original prior / parent deed is also required

@If the parent deed is prior 13 years and covers the same extent of property owned by the vendor, then the EC from the date of the said Original purchase/acquiring the property is required.

THE POWEER OF ATTORNEY FORMAT USED IN CASE

When power of attorney is executed in India

• Attorney should be a resident of India
• Power of attorney is to be executed on a non-judicial stamp paper of Rs.100/- (State of Tamil Nadu)
• The executant should execute in each page of the Power of Attorney and wherever the blanks relevant details are to be duly filled in.
• A Judicial Magistrate or a Notary Public should ATTEST the signature of the executant.

In case of non-residents, if the power of attorney is being executed outside India

• The attorney should preferably be a resident of India
• The power of attorney should be executed on a plain paper as the case may be as applicable in the country in which the power of attorney is executed.
• Any authorised official of the Indian Embassy/Consulate/Trade commissioner / Notary in the country where the executant resides should attest the signature of the executant.
• The Power of attorney after being received in India, should be duly adjudicated / validated in the Concerned District Registrar, in India.

Power of attorney - Format :