Documents Required for Home Loan

Application Form and KYC Documents for applying for home loan

Salaried Self Employed
Application Form with photo and signed by Primary Borrower and Co-borrower(s)
Identity Proof of Primary Borrower and Co-borrower(s) – PAN Card (Mandatory)
Residential Address proof of Primary Borrower and Co-borrower(s) – Any one of passport, Aadhaar card, voter I card, landline bill, registered rent agreement, driving license, bank statement or passbook or utility bill. Bills and statements must not be more than 3 months old
Office address – ownership/ lease / rent agreement/ utility bill

Income documents required for applying for home loan

Salaried Self Employed
Last 3 years Form 16, last 6 months salary slip, last 6 months bank account statement showing salary credit
Last 3 years ITR (self and business), profit and loss account, balance sheets certified/audited by a CA. Last 12 months bank account statement (self and business)
Certificate and Proof of Business Existence
Business Profile

Property documents for home loan

Salaried Self Employed
  • Ready Property- Registered Sale Deed/ Conveyance/ Lease Deed
  • Under construction builder property – Builder buyer agreement, receipts of payment made, allotment letter
Past Sale Deeds Chain (each transaction in respect of this property since first allotment)
Latest House Tax Return/ Receipt (not needed in case of under construction property)
Approved Building Plan from Municipal Corporation for self constructed property Case To Case

Documents for home loan balance transfer

Salaried Self Employed
Loan statement (loan track) and list of property documents (LOD) in possession of existing lender
Last 12 months statement of bank account from which loan EMI is paid
Home Loan News - Dec 2018
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