Application Format for Term Loan under United Smart Loan Scheme

To
The Chief Manager/Manager
United Bank of India
_____________________ Branch
Dear Sir,
I/We request you to sanction a loan of Rs. _____________(Rupees ________________________________) only under United Smart Loan Scheme of the Bank.
I/We furnish the following information.
Applicant 1 Applicant 2
1. Name of the Applicant
2. Age
3. Sex (Male/Female)
4. Nationality
5. Name of Father/Husband
6. Occupation
Address of the Applicant and Tele No.
i) Residence
ii) Office
7. For salaried Applicant
i) Name and address of the Employer
ii) Applicant’s designation/position in the Employer’s organisation and period since when employed
8. For Professional and Self-employed applicant
i) Name and address of his/her firm/company and details
ii) Line of activity of the firm/ company or the Profession
iii) Applicant’s designation/ position in the firm/company and period since when engaged
UNITED BANK OF INDIA
Head Office: Kolkata
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iv) Nature and value of securities offered
9. For salaried Applicant
i) Monthly gross salary and net take home salary for the month __________________
(to be certified by the employer)
Applicant 1 Applicant 2
Gross Salary Deduction Gross Salary Deduction
Basic Rs. ____________ PF Rs. ______________ Basic Rs. ____________ PF Rs _______________
DA Rs. ______________ IT Rs. _______________ DA Rs. ______________ IT Rs. _______________
HRA Rs. ____________ Loan Rs. ____________ HRA Rs. ____________ Loan Rs. _____________
Other Rs. ____________ Others Rs. ___________ Others Rs. ___________ Others Rs. ___________
Total Rs. ____________ Total Rs. ____________ Total Rs. ____________ Total Rs. _____________
Net take home salary Rs. ____________________ Net take home salary Rs. ____________________
ii) For Professional and Self- Employed applicant
Applicant 1 Applicant 2
Gross Annual Income Rs.___________ Rs.____________
(To enclose latest Income Tax Assessment Order/ Return filed)
10. Particulars of a/c maintained with this branch or any other branch of this Bank or any other bank
i. Average Balance maintained Rs. ___________
11. Purpose of Loan
12. Amount of Loan applied for Rs. ___________
13. Two persons who can be referred to for information (Please given names & addresses)
I/We undertake to repay the loan in ____________ nos. monthly instalment (not exceeding the remaining tenor of my/our Housing Loan account) of such amount to be fixed by you commencing one month after disbursement.
I/We also undertake to abide by the terms & conditions laid down by the bank in respect of the loan. If sanctioned and agreed to the bank recalling the entire loan in the event of coming across any incorrect statement on my part.
I/We also enclose herewith the following papers/documents for your perusal and doing the needful.
a) Copy of latest Corporation/Municipal Tax Receipt/Rent Receipt.
b) In case of Salaried Persons, latest Salary Certificate and Employee Identity Card.
c) In case of professionals/Self-employed, copy of last I. T. Return Filed and copy of Balance Sheet and Profit & Loss A/c. for the last two years.
d) Copy of PAN Card / Passport or Voter’s Identity Card.
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e) Irrevocable undertaking of the employer to remit monthly salary to the Branch for credit to the salary disbursing account till such time loan remains outstanding, wherever applicable.
f) A letter of undertaking given by the borrower addressed to the employer authorizing to pay the Bank’s dues out of terminal benefits in case of death / retirement / resignation or discontinuation of service, wherever applicable.
g) Borrower’s undertaking to debit his account for payment of the EMI of Smart Loan, wherever applicable.
I/We hereby declare that -
a) To the best of my/our knowledge and belief, the information furnished here in above is true and correct.
b) The terms and conditions governing the grant of this loan by United Bank of India shall be complied with.
c) In the event of default in repayment of loan / advances or of interest thereon or any of the agreed instalments of loan on due date(s), the bank and/or Reserve Bank of India will have an unqualified right to disclose or publish my/our name(s) as defaulter(s) in such a manner and through such medium as the bank or RBI in their absolute discretion may think fit.
Date : Yours faithfully,
Place :
Signature of applicant 1.
Signature of applicant 2.
Witness:
Signature :
Full Name :
Address :