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04 - FAQ’s

47. How should I furnish details of loan taken if the number of
loans taken is more than 3, whereas application form has place
for only 3 loans?

You can take an extra sheet of paper and write all the loan details as
per the format and attach the same with the application form.

48. Can you please help me with the details to collect PF cheque?
The PF cheque needs to be collected in the name of “PIRAMAL
CAPITAL & HOUSING FINANCE LIMITED”. It should be marked on the
left hand side top as “only account payee”. Ensure that the amount is as
per the latest policy announced from time to time.

The cheque collected should be from the salary account in case of sal-
aried and primary operating account other than OD/CC account in case
of self-employed. In case of NRI, it has to be from NRE or NRO account if
both the applicants or NRIs. However, if one of them is resident Indian,
the cheque can be collected from resident Indian’s salary account or
account showing transfer of funds.

Do not accept cheques with overwriting or correction.

49. What is the purpose of taking references? And who should
be ideal reference?
The ideal reference should be the person who interacts with her/him
on a continuous basis. In case of salaried, it can be the peers or immedi-
ate supervisors or friends or neighbors who have known them for a few
years. In case of self-employed, it could be their fellow professionals in
their city or their vendors or suppliers or it could be their social friends.
It is important to note that we should discourage them from giving
family members or relatives as reference.

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