अगर आप self-employed हैं और home buy करना plan कर रहे हैं, banks को आपके accounts IRD से much earlier complete चाहिए।
Self-Employed Challenge
Banks need: two years accountant-prepared financial statements, two years tax returns, 12 months GST returns, business bank statements, और accountant letter। Critical point: banks current-year financials चाहते हैं।
Timing Gap
IRD deadline March तक extend होती है। लेकिन banks typically August से current-year financials require करते हैं।
How Banks Calculate Income
Banks net profit देखते हैं, gross revenue नहीं। Aggressive tax deductions borrowing capacity reduce कर सकती हैं।
Strategic Timing
April-May में accounts complete करो, June-July में pre-approval arrange करो, August से property shopping शुरू करो।
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