peep my only worry is i spoke to many consultants and everybody is like Loan to karana padega as they (VO) objected and said loan less than 80 %, but that was coz my file was under SPP, now im gonna apply in general so if ive enough funds why consultants r behind loan !!! by the way u suggested J forms and I can get those forms buddy, thanks for ur help !!! hun te lease deed di koi lor ni ??? J forms te mere father di pension lag jaangi annually 8 lacs income and mine 5 lacs with form 16 3 years and last 2 months pay slips !!!