Home Loan Tips If A Person Could Get Home Loan Without Filing For Itr Know Details

Home Loan Tips without ITR Filing: Every person has a...

Home Loan Tips without ITR Filing: Every person has a dream to have his own house. To fulfill this dream, people of middle class often resort to loans. Whenever you apply for a loan in any bank, NBFC or housing finance company, then you have to give the details of your ITR along with it. In such a situation, the question often comes in the mind that people who do not file ITR can get a home loan. The answer to this question is that yes you can get a home loan even without filing ITR. There are many salaried persons or small business people in the country whose salary does not come in the tax slab. In such a situation, he does not file income tax return.

Due to this many times these people have to face problem in taking loan. According to the rules, even if a person’s salary does not fall in the Income Tax Slab and he does not file ITR, he can still apply for the loan. Bank and finance company cannot refuse to give loan. If you also want to get loan without ITR, then we are giving you information about its easy process-

Many banks and finance companies give loans
Let us tell you that many finance companies and banks of the country give loans to people even without ITR. This includes many big private sector banks of the country like ICICI Bank, Axis Bank, HDFC Bank etc. Apart from this, many housing finance companies like Hero Housing Finance, Aditya Birla Housing Finance etc. also provide home loan facility without ITR. Loan facility is available to many self-employed people as well as salaried people whose earnings or salary is less than the taxable income.

loan process
Let us tell you that people who do not file ITR can apply to the bank through direct bank or sales agent. Along with this, you will have to submit many more documents like PAN Card, Aadhar Card, Residence Certificate, Passport Size Photo etc. Apart from this, the bank can also demand the bank details of the customers in which your salary or income is deposited. After this, according to your salary and income, the amount to approve you is decided.

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