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Old 21st October 2016, 01:19 PM
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Default Central Bank of India Overdraft Facility

Is overdraft facility available in Mortgage Loan scheme of Central Bank of India ? Give detail for Mortgage Loan scheme of bank ?
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Old 21st October 2016, 02:51 PM
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Join Date: Mar 2013
Default Re: Central Bank of India Overdraft Facility

Yes , Term Loan and overdraft facility available in Mortgage Loan scheme of Central Bank of India.

Corporate Mortgage Loan scheme

Eligibility:


Age :
21 years to 65 years
Maximum 60 years for salaried class.

Minimum Gross Annual Income for Individual borrowers
Rs. 2, 00, 000/-

Quantum of finance

Individual/ Jointly (Priority/ Non Priority)
For salaried persons:
36 times of gross monthly income of applicant

For other than salaried persons:
3 times of gross annual income as per latest IT returns.

Maximum
Rs.50.00 lakh for property located in rural area

Maximum
Rs.200.00 lakh for property located in other areas.


For Companies, Proprietorship/ Partnership Firms, Societies
In case of Firms/ Companies, five times average annual cash accrual (PAT+Depreceiation) as audited Financial Statements of last three years.

Maximum
Rs.50.00 lakh for property located in rural area
Maximum
Rs. 500.00 lakh for property located in other areas.

Rate of Interest
MCLR + 3.50 % irrespective of TL/OD/Tenor
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