How to apply pass port .i am form odisa .i am staying last 5 year .i have proof bank pass book in present address, pan card .HSC certificate ,home rental .pls assistance me.

All folks dream of becoming homeowners. it's some way of ensuring lifelong financial security; the type that doesn't come from living during a rented home. But buying a house is a sophisticated process. Whether it's years of savings to tend as deposit or finding the proper locality to take a position in; the method of shopping for a house is elaborate. And since property investments take an enormous chunk of savings, most folks believe in home loans. Yes, you'll remove a home equity credit and pay it off in easy equated monthly installments (EMIs) for tenures lasting up to 30 years. Let's understand the house loan procedure.So if you wanna buy a Flat in Navi Mumbai follow these steps

Step 1: Fill the appliance form the method of taking a home equity credit begins with the borrower filling a form. the appliance form is that the most elementary document during which you've got to supply personal information about yourself like your name, address, telephone number occupation, monthly and annual income, and education details. you want to also provide details about the property you would like to get, the estimated cost of that property and therefore the deposit you'll afford. Note that you simply need to furnish your ID proof, address proof, income certificates, ITR of the last three years, bank statements, etc., together with your form.
Step 2: Verification of documents After you submit your documents, the bank verifies the documents provided by you. this is often a crucial aspect of the house loan process and banks may take up to 2 days to verify your documents. During this point, you'll even be asked to go to the bank and appear for a face-to-face interview. this is often the bank's way of confirming that you simply are capable of repaying your loan within the stipulated tenure.
Step 3: Background check aside from verifying your documents, the bank also conducts an independent background check of the borrower's credentials. to the present effect, the bank may conduct an investigation basis the knowledge supplied by you within the form including your previous and current residential addresses, your home of employment, credentials of your employer, office contact details, etc.

Step 4: Processing free payment After the bank is convinced about your repayment capacity, it begins the housing loan process. As such, you want to pay a processing fee which is an amount the bank collects to process your application. Banks typically charge anywhere between 0.25% and 0.50% of the principal loan amount +applicable GST as processing fees. The bank charges a processing fee due to the investigations conducted to see your eligibility and your Proposed Property's Valuation and Search. This doesn't necessarily mean that your loan is approved

Step 5: The authorization process far and away, the foremost crucial stage within the entire home equity credit process; the bank now decides whether to approve or reject your loan. to make sure that your loan isn't rejected you want to furnish all the listed documents truthfully. this is often also the stage during which the borrower can determine the utmost loan amount as approved by the bank, also because the rate of interest charged consistent with various tenures. The bank communicates these details by sending you a politician sanction letter confirming that your loan is approved.

Step 6: Processing the property documents After you receive the official sanction letter approving your loan, you're required to submit the first property documents to the lending bank, which remain within the bank's custody until the loan is repaid fully. the first property documents typically include the entire chain of ownership acquisition and transfers of ownership in sequence till your Sale Agreement execution, applicable NOCs from related authorities alongside the seller's name, ID and address proof, etc. The bank verifies the property documents before approving the loan. Bank also sends its representative twice to physically visit the property site, once before approval of loan then after sanction of loan.

Step 7: Loan disbursal the ultimate step within the entire housing loan procedure is that the loan disbursal stage. This includes the registration of the loan deal i.e. acceptance of Terms and conditions of Sanction by the borrower/s, the signing of the loan agreement/documents, and therefore the disbursement of loan as per terms stated within the Sale Agreement, including down-payment by the lender.

The eligibility criteria as well as the documentation requirements to avail a Home Loan in Kolkata both are subject to the chosen lending institution. This could be a bank, Non-Banking Financial Company (NBFC) or a Housing Finance Company (HFC). Before getting into the details and listing the basic requirements of the same, it is worth noting that NBFCs and HFCs have simpler eligibility and paperwork related formalities as compared to public and private banks. Also, for a select lending institution, both these requirements are more or less the same all over India, except for a few conditions (such as income related conditions).

Given below are the basic eligibility criteria to avail a Housing Loan in Kolkata:

1. Applicant should be a resident of India
2. He/she should be within the permissible age group of 25 to 58 years
3. He/she is required to be salaried, with a minimum work experience of 3 years.
4. Depending on the city from which the loan is being applied from, the minimum income requirement lies between INR 30,000 to INR 50,000. For Kolkata, this condition is INR 30,000.
5. Self-employed applicants should be within the age limit of 25 to 70 years
6. He/she should have at least 5 years of business continuity in the current enterprise.

The documentation requirements to avail a housing loan in Kolkata are as follows:

1. Know Your Customer Documents
2. Valid Identity Proof
3. Valid proof of address
4. Salaried individuals are required to submit Form 16 or latest salary slips.
5. Self employed individuals are required to submit Income Tax Returns and Profit and Loss statements of past 2 years
6. Bank account statements of past 6 months
7. Self employed individuals are required to submit a valid document as proof of business for at least 5 years.

If you intend to effectively continue your business, it is a commercial loan which will act as the driving fuel. For the same, you can either make an application to a NBFC or a bank. Commercial loan not only increases the working capital of a firm but it also secures its finance. But before you proceed applying for the same, there are certain factors that you need to keep consider - the prevailing market scenario of your firm, financial backup, equipments present for operation, interest rates and the amount of loan difference. Seeking help from a consultancy regarding the same will help you make the right decision.

These days with technological development, you don't have to reach out to the bank for making your loan application. Everything is accessible at just few clicks. Here is a quick document list to check before the process:

• Details of your qualification- certificates as proof
• Company registration certificate
• Address details of the company and its partners
• Details of the company's sales and profit-loss statement
• KYC details
• Passport size photographs of the loan applicant

ID card

You need to apply online download it from http://passport.gov.in/cpv/obtain.htm

1) While applying for a fresh passport attach two copies of the following documents:

(a) Proof of address (attach one of the following):

Applicant's ration card, certificate from Employer of reputed companies on letter head, water /telephone /electricity bill/statement of running bank account/Income Tax Assessment Order /Election Commission ID card, Gas connection Bill, Spouse's passport copy, parent's passport copy in case of minors. (NOTE: If any applicant submits only ration card as proof of address, it should be accompanied by one more proof of address out of the above categories).

(b) Proof of Date of Birth (attach one of the following):

Birth certificate issued by a Municipal Authority or district office of the Registrar of Births & Deaths;

Date of birth certificate from the school last attended by the applicant or any other recognized educational institution; or an Affidavit sworn before a Magistrate/Notary stating date/place of birth as per the specimen in ANNEXURE 'A' by illiterate or semi-illiterate applicants.

N.B.: In the case of applicants born on or after 26.01.89, only Birth Certificate issued by the Municipal Authority or the Office of the Registrar of Births & Deaths is acceptable.

(c) Citizenship Document if applicant is a citizen of India by Registration or Naturalization.

(d) Government/Public Sector/Statutory body employees should submit "Identity Certificate" in original (ANNEXURE B) along with Standard Affidavit Annexure I.

(e) If the applicant is eligible for "ECNR" attach attested copy of supporting document (see COLUMN 15 of the INSTRUCTIONS AND GUIDELINES FOR FILLING UP THE APPLICATION FORM).

(f) If the applicant was repatriated at Government cost, enclose documents to show that the expenditure, if any, incurred by the Government of India on his/her repatriation has been fully refunded to the Government of India, Ministry of External Affairs.

(g) If the applicant was ever deported to India, give details of Emergency If you are asking for US passport please be sure to include all details before asking question !!

Hi

Voter ID cards are issued by the Election Commission.

You can look for announcements in the papers for issue of fresh ones in your area. They always announce the date and venue area-wise to apply for the card. You can take with you an identity card like bank pass book, license or passport and approach them on the appointed date.

There is no shortcut or alternative in this regard and this is done specific to each state, so you must contact the commission in your home state.

Good luck!!
EJ Kudelka

You appear to have the requires documents. You may also need your birth certificate and your marriage certificate. The passport office in your city can advise you if they require more documentation.