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ING Vysya Home Loan Rates

You always look for attractive rates when you search for home loans for buying your home. ING Vysya Bank home loan rates are one of the most competitive rates that are currently available in the market.

About ING Vysya Bank home loan rates

ING Vysya Bank home loan rates are truly attractive for the home loan borrowers. The interest rate is tied to the Home Loan Prime Lending Rate of ING Vysya Bank or HPLR. This rate is liable to be changed on a periodical basis on the lone discretion of ING Vysya Bank.

Documents Necessary for ING Vysya Bank Home Loan:

Listed below are the different documents that you need to furnish while applying for an ING Vysya home loan:

1) Documents necessary at the time of loan application

  • Properly competed application form together with the cheque for processing fee.
  • One passport size photograph of the applicant/guarantor/co-applicants besides the photograph attached to the application form and signed crosswise.

2) Address/Residential Proof:

  • Signature authentication certificate from the Bank on which Post Dated Cheques will be submitted.
  • Voter’s Identity Card/Passport/Ration Card/Driving License/Gas Bill/Telephone Bill/Rental Agreement/Power Bill/Insurance Premium Receipt.

Signature & Identification Proof:

Legitimate PAN Card/Passport/Photo Credit Card of a Scheduled Commercial Bank/Photo Driving License/Photo Identity Card of Private Ltd./PSU/Government Companies, Professional Councils or Banker's/Companies Authentication/Photo Voter ID Card/Photo Ration Card.

Date of Birth/Age Proof



Passport/Birth Certificate/Driving License/PAN Card/School Leaving Certificate/SSC Marks List/Insurance policy plan.

Income Proof for Salaried Individuals:

  • Pay/salary slips for the last 3 months beginning with the most recent salary slip properly attested by the Employer (Salary slip should clearly show the breakup of gross income, deductions and net income).
  • Form No.16 with precise calculation of earnings.
  • Bank Account Statements for the past 3 months for all applicants. Bank account statements for the past 6 months for self employed individuals and businessmen. (From where Post Dated Cheques will be given).
  • Bank statement for the past 3 months, which is not received earlier than 28 days from the date on which you logged in. 3 Salary credits have to be shown in the Bank Statement as a minimum.
  • Loan account statements of all other current loans.
  • Credit Card Statements for the last month of all the applicants.
  • Any other paperwork that might be necessary for the bank.

Income Proof for Self Employed Individuals

  • A short memo on the outline of business encompassing the type of business operations, products/services offered, number of years in business, infrastructure, branch network (if there is any), number of workers, delivery, suppliers, customers/buyers, performance track record, properties of the business and future business strategies.
  • Income Tax Returns for the last 3 years properly authenticated by a Chartered Accountant and appropriately accepted by Income Tax authorities.
  • Attested copies of Audited Profit & Loss account statements and Balance Sheets for the past 3 concluded financial years, whenever required.
  • Central Sales Tax/State Sales Tax Registration Number or any other official document for certifying business.
  • Income Tax Assessment Order for financial years for which assessment has been done most recently.
  • Statements of Account (SOA) of the Business/Salary account for the previous 6 months from where Post Dated Cheques will be given.
  • Photocopies of premature tax payments.
  • Any other paperwork that might be necessary for the bank.

Security for ING Vysya Bank Ltd Home Loan:

Mortgage of property by submission of title deeds or according to the prevailing rules and regulations. You need to bring in a guarantor whenever necessary.

A list of property deeds and records necessary for official permission will be requested once the loan is sanctioned on paper and the property has been chosen.



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