ਆਪਣੀ ਜਾਣਕਾਰੀ ਭਰੋ

TOP-UP LOAN REQUEST

Request date: __________

To __________, __________.

Borrower: __________, __________..

Existing loan: __________. Existing outstanding: __________. Top-up requested: __________.

Property: __________ (__________), __________. Transaction stage: __________. Existing/stated property value: __________.

END USE

Purpose: __________. Details: __________.

REPAYMENT / ELIGIBILITY

Existing repayment status: __________. Months since first disbursement: __________. Current monthly net income: __________. Other obligations: __________.

SECURITY / VALUE

Valuation status: __________. Estimated current property value: __________. Security treatment: __________.

Please assess the top-up separately from the existing loan and provide the sanctioned amount, pricing, tenure, total fees and supplemental security/document requirements if approved.

LEGAL BASIS

In Punjab the holder of a site allotted by a development authority cannot transfer any right in it without the authority's previous permission (section 43(7) of the Punjab Regional and Town Planning and Development Act, 1995), so a mortgage of such a site needs the authority's permission to mortgage, which it gives only to the allottee on its file. A mortgage by deposit of title deeds needs no registered deed, and a Punjab Non-Encumbrance Certificate cannot show it, which is why lenders also search the Central Registry of Securitisation Asset Reconstruction and Security Interest of India.

PERSONAL DATA NOTICE

This notice is given under the Digital Personal Data Protection Act, 2023.

Personal data in this document is collected only to request and administer additional top-up finance against the existing property-loan relationship, communicate about that purpose, verify expressly supplied lending and property information, and retain an evidentiary application record.

The record will be held by __________ and may be shared only with the applicant, co-applicant, lender or housing-finance company, authorised loan-processing agent, employer or income verifier, advocate, valuer, technical professional, insurer, registering authority, Central Registry/CERSAI-related service, or other person directly involved in the stated loan process.

If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the loan process plus 12 months, except where a statutory, regulatory or lender record-retention rule requires a longer named period.

A person named here may withdraw consent for future consent-based processing, request correction or erasure where the purpose has ended, or raise a grievance by writing to __________. The record-holder should acknowledge and respond within 30 days.

Data minimisation: this template does not require a full Aadhaar number, Aadhaar-card copy, passwords, PINs, OTPs or complete bank-login credentials. Only masked account/identity references genuinely required for the loan process should be inserted.

Personal-data instruction: __________.

Record-holder: __________

SIGNATURE

Borrower: __________