04 June 2013
I am a salaried person and have filed return for AY 2011-12 & 2012-13. I dont have Form 16 for both the AY as my income is below basic exemption limit.
When I had applied for housing loan, the bank is insisting on submission of Form 16. I am not working with that empolyer anymore and he is not ready to give me Form 16.
Members please advice on how do I explain the situation to bank and get the loan passed.