Customer Types

WE HAVE COMPELLING SOLUTIONS FOR A VARIETY OF CUSTOMERS

Types of Customers

Salaried

Salaried individuals with formal income proof

  • Payment of salary through banking system
  • Salary slip with PF deduction and Form 16

Self Employed

Non-salaried individuals with income

  • Form of income proof (e.g. Income Tax Return for 2 Yrs+)
  • Else, APAC Housing Finance will assess income through field investigation/ref. checks

Documentation Required

Salaried

Self Employed

Proof of Age

Salaried

Either

  • - Passport
  • - PAN Card
  • - Driving License
  • - Birth Certificate
  • - Aadhaar Card

Self Employed

Either

  • - Passport
  • - PAN Card
  • - Driving License
  • - Birth Certificate
  • - Aadhaar Card

Identity Proof

Either

  • - Passport
  • - PAN Card
  • - Driving License
  • - Aadhaar Card

Either

  • - Passport
  • - PAN Card
  • - Driving License
  • - Aadhaar Card

Address Proof

Either

  • - Passport
  • - Voter ID
  • - Ration Card
  • - Aadhaar Card
  • - Utility Card

Either

  • - Passport
  • - Voter ID
  • - Ration Card
  • - Aadhaar Card
  • - Utility Card

Job Confirmation / Business Continuity Proof

Last 2 Year's Form 16 & current organisation's appointment letter. If current employment is less than 12 months, then relieving letter of previous organisation is required

Either

  • - VAT Certificate
  • - Shops & Establishment Certificate
  • - Trade & License Certificate
  • - SSI Registration Certificate
  • - Sales/Service Tax Certificate
  • - PAN Card in name of entity
  • - Certificate of Incorporation

Income Documents

Any 2 of the last 3 salary slips

Latest 2 years’ IT returns with Profit and Loss account, Computation of Income and Balance Sheet (with all schedules). OR Else in-person review

Bank Statements

6 months' Bank Statement from salary A/C

12 months' Bank Statement, if available

Company profile

Company profile, if a lesser known organistion, including front page

Should be on the letterhead of the company/ firm, and should have details like nature of business activity, no. of years in business, product/services, major customers & suppliers, no. of employees and ownership pattern.