Checklist of Documents Required for Home Loan
A home loan helps you finance the purchase or construction of your dream home. With flexible repayment options and competitive interest rates, it makes owning a home more accessible. Get quick approvals and hassle-free processing to make your homeownership journey smooth and easy.
Documents Required to Apply for a Housing Loan:
- Completed Application Form
- Passport-size Photographs
- Proof of Identification (Any one of the following):
- PAN Card
- Passport
- Aadhaar Card
- Voter’s ID Card
- Driving License
Additional Documents for Address Proof:
- Bank Passbook
- Voter’s ID
- Ration Card
- Passport
- Utility Bills (e.g., Telephone Bill, Electricity Bill, Water Bill, Gas Bill)
- LIC Policy Receipt
- Letter from a recognized public authority verifying the customer’s address
Aadhaar Card PAN Card Passport Birth Certificate 10th Class Mark sheet Bank Passbook Driving License
For Salaried Individuals:
- Form 16 Certified Letter from Employer
- Payslips for the last 2 months
- Increment or Promotion Letter
- Income Tax Returns (ITR) for the past 3 years
- Investment Proofs (e.g., Fixed Deposits, Shares, etc.)
- Passport-size photographs
For Self-Employed Individuals:
- Income Tax Returns (ITR) for the past 3 years
- Balance Sheet and Profit & Loss Account Statement (attested by a Chartered Accountant)
- Business License (or equivalent document)
- Professional Practice License (For Doctors, Consultants, etc.)
- Registration Certificate of Establishment (For Shops, Factories & Other Establishments)
- Proof of Business Address
Fees:
- File Charges: ₹3720.00/- (Security Amount)
- ₹3000/- of the security amount will be refunded with the loan amount.
- Documentary Fees: ₹720/- (Non-Refundable)
- Male Candidate Interest Rate :- 6.25 Flat Per Annum
Female Candidate Interest Rate :- 2.25 Flat Per Annum
Documents Required for Housing Loan:
- NOC from Society/Builder – No Objection Certificate from the society or builder.
- Cost Estimate – A detailed estimate of the construction cost of the house.
- Registered Sale Deed, Allotment Letter, or Stamped Agreement of Sale – Original document for the property purchase or allotment.
- Occupancy Certificate – For ready-to-move-in properties.
- Property Tax Receipts, Maintenance Bills, and Electricity Bills – Proof of payments made for the property.
- Receipts for Advance Payments – Original receipts for any advance payments made towards the purchase.
- Approved Building Plan – A copy of the approved building plan (key plan/floor plan in case of flat purchase).
- Land Tax Paid Receipt and Possession Certificate – Original receipts and possession certificate from the revenue authority.
- Payment Receipts/Bank Statements – Showing payments made to the builder or seller.
