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This article covers three topics: the documents that you need to produce if you want to obtain a ration card (along with several suggestions and alternatives), and the procedure through which you can apply for the card both online and offline.
As mandated, every state government in India has a website through which you can get detailed information about applications, requirements and timelines. Here, for the sake of convenience and simplicity, we have compiled the information into lists.
Documents Required for Ration Card Application by Indian Citizen
Following is the list of documents that are required by an individual applicant who is a citizen of India
Proof of identity and residence
Surrender certificate/ Deletion certificate/ No card certificate if there is no previous family card
Details about earlier applications and rejections (if applicable)
Detains of any LPG connection
Mobile number/email id
A self-addressed and stamped postal cover or post card.
Three passport sized photographs
Proof of Identity required to apply for Ration Card who is Indian Citizen
Voter ID
Aadhaar card
Employee identity card
Health card (including the Aaragoyasri card)
Driving license
Passport
Any government issued identity card
ddress proof Required to Apply for Ration Card who is citizen on India
House ownership document/ rental agreement
Any recent utility bill including electricity, water, and gas bills
Passport
Voter ID
Driving license
Aadhaar card
First page of bank passbook
As you can see, several of these documents overlap. Hence, producing a single document which functions both as an (photo) identity and address proof is sufficient.
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A mortgage is a debt instrument, secured by the collateral of specified real estate property, that the borrower is obliged to pay back with a predetermined set of payments. Mortgages are used by individuals and businesses to make large real estate purchases without paying the entire value of the purchase up front. Over a period of many years, the borrower repays the loan, plus interest, until he/she eventually owns the property free and clear. Mortgages are also known as "liens against property" or "claims on property." If the borrower stops paying the mortgage, the bank can foreclose.
In a residential mortgage, a home buyer pledges his or her house to the bank. The bank has a claim on the house should the home buyer default on paying the mortgage. In the case of a foreclosure, the bank may evict the home's tenants and sell the house, using the income from the sale to clear the mortgage debt.
Mortgages come in many forms. With a fixed-rate mortgage, the borrower pays the same interest rate for the life of the loan. Her monthly principal and interest payment never change from the first mortgage payment to the last. Most fixed-rate mortgages have a 15- or 30-year term. If market interest rates rise, the borrower’s payment does not change.
If market interest rates drop significantly, the borrower may be able to secure that lower rate by refinancing the mortgage. A fixed-rate mortgage is also called a “traditional" mortgage.
With an adjustable-rate mortgage (ARM), the interest rate is fixed for an initial term, but then it fluctuates with market interest rates. The initial interest rate is often a below-market rate, which can make a mortgage seem more affordable than it really is. If interest rates increase later, the borrower may not be able to afford the higher monthly payments. Interest rates could also decrease, making an ARM less expensive. In either case, the monthly payments are unpredictable after the initial term.
