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Documents Required for Home Loan

   

DOCUMENTATION

Housing finance in India is now enhancing its processes to simplify its documentation requisites; we want to serve our customers at the best TAT by reducing the burden of documentation and making it a completely automated procedure.

We want to enhance our user's home loan eligibility by listing the important documents required for a home loan for them to be prepared in advance.

Following are the home loan documents you would need to submit for all applicants / co-applicants along with the completed and signed Application Form for us to know your home loan criteria

  • Identity Proof - Passport / PAN card / Voter's Identity Card / Driving License / Identity Card with applicant's photograph issued by Government, Aadhar Card.

  • Address Proof - Passport / PAN card / Voter's Identity Card / Driving License / Latest Utility Bill (electricity, telephone, postpaid mobile phone, piped gas and water bill) / Property Tax Receipt / Bank or Post Office Savings Bank Account Statement / Letter of Allotment of Accommodation issued OR Leave and License agreements issued by Government to the employee

  • Signature Proof - Driving License / Passport / PAN Card / Bankers' Verification / Registered Sale Deed / Government Employee ID Card

  • Home loan documents checklist for salaried individuals

    • 3 Months Salary Slip for salaried employees or Salary Certificate
    • Copy of last 2 years Form 16 or IT Return
    • Bank Statement for the last 6 months of the Salary Account
    • Appointment / Confirmation Letter if current job tenure is less than 1 year
  • Home loan documents checklist for self-employed

    • Partnership Deed in case of Partnership Firm; MOA/AOA in case of Company
    • Copy of IT Return, Computation of Income, CA Certified Balance Sheet and Profit & Loss Account, all for the last 2 years
    • Bank Statement for the last 6 months of the Business Accounts
    • Office Address Proof
    • Tax audit report of individual partnership & company
    • Latest Share Holding Pattern Attested by CA/CS in case of Company
    • VAT/ Sales Tax Returns
    • List of Directors attested by CA/CS in case of Company
    • Sanction Letter for working capital limits & term loans with SOA
    • Copy of Degree Certificate in case of Professionals
  • Other general documents for housing loan requirements of salaried and self-employed:

    • Repayment Track Record for 1 year for existing loan
    • NOC of loan closed within 1 year
    • Bank debits for all current loans appearing in CIBIL report but not appearing in Bank Statements submitted
    • Duly filled up and signed Application Form and MID
    • Processing Fee Cheque