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Bank loan

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(Querist)
10 October 2016 is there any formula adopted by banks for availing the loans on the basis of clients ITR?? are there any common calculations on which banks rely on to provide loan amount to its customers??? how they calculate loan amount eligibility using ITR??
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Amol S Joglekar

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Amol S Joglekar (Expert)
10 October 2016 depending upon the type of loan.....e.g. housing loan 40 times of salary
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CA ANILKUMAR B.COM FCA DISA

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CA ANILKUMAR B.COM FCA DISA (Expert)
10 October 2016 Every banks have their own parameters in Appraising for a loan and own norms in considering the financial values in the ITR. Some FIs consider income as reflected in ITR and some consider whatever be the cash profit. It will depend on their rules formed.
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