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Documents required for Home Loans

Generally, the documents required to process a loan application are almost similar across all banks, however they may differ depending upon specific requirements and other factors.

The following documents are required by financial institutions to process a loan application:

  1. Proof of age
  2. Proof of address
  3. Proof of income of the applicant & co-applicant
  4. Bank statements of the last 6 months
  5. Passport size photographs of the applicant & co-applicant

Salaried individuals

  1. Salary slip / Form 16 A
  2. A photocopy of the first and last pages of Ration card or copy of PAN/Telephone/Electricity bills
  3. A photocopy of Investments (FD Certificates, Shares, any fixed assets, etc., or any other documents supporting the financial background of the borrower)
  4. A photocopy of LIC policies with the latest premium payment receipts (if any)
  5. Photographs (as applicable)
  6. A photocopy of bank statements of the last six months

Self-Employed/Businessmen

    1. A brief introduction of Business/Profession.
    2. Balance Sheet, Profit and Loss account and statement of income with Income Tax returns for the last 3 years certified by a CA.
    3. A photocopy of Advance Tax payments (if applicable).
    4. A photocopy of Registration Certificate of estatblishment under shops and Establishments Act/Factories Act.
    5. A photocopy of Registration Certificate for deduction of Profession Tax (if applicable).
    6. Bank statements of Current and Saving accounts for the last 6 months.
    7. A photocopy of Certificate of Practice(if applicable).
    8. A photocopy of any bank loan (if applicable).
    9. A photocopy of the first and last pages of the Ration card or a copy of PAN/Telephone/Electricity Bills.
    10. A photocopy of LIC policy (if applicable).
    11. A photocopy of LIC policy (if applicable).
  • If a flat is purchased from the builder
    1. Original copy of your agreement with the builder.
    2. 7/12 extract or property register card of the land under construction.
    3. Index II extract of your agreement with the builder.
    4. Copy of N.A. permission for the land from the collector.
    5. Search and title report (with the details of documents) for the last 30 years.
    6. Development agreement between the owner of land and the builder.
    7. Copy of order under the Urban Land Ceiling Act.
    8. Copy of building plans sanctioned by the competent authority.
    9. Commencement certificate granted by Corporation / Nagar Palika.
    10. Building completion certificate(if available).
    11. The latest receipts of taxes paid.
    12. Partnership deed or memorandum of association of the builders firm.
  • If the property being purchased is in a Cooperative Society
    1. Original share certificate of the society
    2. Allotment letter from the society in the borrower’s name
    3. Copy of the lease deed, if executed
    4. Certificate of registration of the society
    5. Copy of the byelaws of the society
    6. No Objection Certificate from the society
    7. 7/12 extract or property register card in the society’s name
    8. Copy of N.A permission for the land from the Collector
    9. Search and title report (with the details of documents) for the last 30 years
    10. Copy of order under the Urban Land Ceiling Act
    11. Copy of building plans sanctioned by the competent authority
    12. Commencement certificate granted by Corporation / Nagar Palika
    13. Latest receipts of taxes paid
    14. Original agreement to assign / deed of assignment.
  • If constructing on own land
  1. Original sale deed of land and extract of Index II.
  2. 12 extract or property register card in your name.
  3. Copy of N.A. permission for land from the collector.
  4. Search and title report (with the details of documents) for the last 30 years.
  5. Copy of order under Urban Land Ceiling Act.
  6. Copy of the building plans sanctioned by the competent authority.
  7. Building permission granted by Corporation / Nagar Palika.
  8. The latest receipts of taxes paid.
  9. Estimate of cost of construction certified by the architect.