Saraspur Nagarik Co.Operative Bank Ltd.
 
ESTD. 1968
 
આપણી "સરસ" સહકારી બૅંક
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Consumer Durable Loan
Consumer durables loan is available up to Rs: 1/-lac for purchase of T.V., Refrigerator, Furniture, Computer, Musical System, A.C. etc.
Applicant details
Copy of income tax return.
Photograph –two copies.
Bank statement of last two years.
Copy of PAN card.
Address proof -Electric bill/ telephone bill (any one)
Photo Proof- Voter card / Driving license (any one)
Guarantor details
Photograph-2 Copies
Last tax bill
Last income tax return copy
Address proof – electric bill /telephone bill (any one) As per KYC norms.
Photo proof – Pan card / Voter card / Driving license (Any one) As per KYC norms.
Conditions
Applicant has to provide one guarantor.
Loan is to be repaid along with interest within 36 equal monthly instalments.
The goods/items purchased are to be hypothecated with the bank.
Applicant has to submit quotation for the item to be purchased, bank will keep margin of 30% Margin amount is required to be deposited with the bank.
Bank will make direct payment to the dealer.
Applicant has to give 36 cheques in advance for payment of instalments.
Applicant has to take share @ 2.50% of the limit.
Processing charges of Rs:100/- will be levied on sanction.
Personal Loan
Hire Purchase Auto Loan
Housing Loan
Doctors Loan
Consumer Durable Loan
Education Loan
Machinery Term Loan
Business Building Purchase Loan
Hypothecation of stock / Book Debts
Business Mortgage overdraft/ Loan
 
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