The forms, statements submitted by you are the basis for the banker to decide whether you are eligible for home loan or not. Each document would be carefully scrutinized for eligibility.
If you are a Businessmen or a Professional, banker looks out your bank account statement to know the level of business activity. It speaks volumes about your financial health. If you have insufficient or low funds in your bank account most of the times, you may be in trouble. It is always advisable to keep sufficient amount in your bank account. It always helps in a having a good track record.
Be aware that the cheque bounces will prove to be major negative factor in your efforts for securing the loan. One or two instances may be pardoned. Each and every bank will have specific norms as to how many such bounces are acceptable in a period of one year.
Account statement will also reflect your payments to the banker, financial institution. In this case, you will need to provide full details to the Present lender. Never hesitate to submit full details of your existing investments. A Clean Bank Statement with regular savings and investment record will certainly be appreciated by the banker.