Home Loan Documents Required

Here are some of the most important documents that most lenders ask you to submit with your loan application:

1. Completed and signed home loan application form

2. Latest passport size photographs

3. Identification proof (at least one proof required)

• Aadhar Card
• Driving License
• PAN
• Passport
• Voter ID

4. Residence proof (at least one proof required)

• Utility bills (like Telephone bill, electricity bill, water bill)
• Ration card
• Passport
• Bank statement with your address or Passbook
• Employment letter
• Voter ID

5. Age proof (at least one proof required)

• Birth certificate
• 10th marksheet
• Driving License
• PAN
• Aadhar Card
• Passport
• Passbook

6. Income documents

For salaried individuals:

• Copy of Form-16
• Copy of the latest Income Tax returns
• Latest Salary slips
• Salary increment letter (if any)

For self-employed individuals:

• Bank account statement
• Latest Balance Sheet and P&L statement
• Copy of Income Tax returns
• Proof of business address
• Copy of Form-16A (if applicable)
• Certificate of qualification (required for professionals like C.A., Doctor, etc.)
• Details of business license

For non-resident Indians (NRIs):

• Copy of valid Visa and passport
• Work permit
• Bank statement (both overseas and NRO)
• Letter of appointment with latest salary slips (if salaried employee)
• Employee ID (if applicable)
• Overseas address proof

7. Property documents

• Sale deed or agreement to sell
• NOC (no objection certificate) from the builder or society
• Construction cost estimate
• Receipts of property tax paid
• Receipts of tax paid for land/building
• Receipt of any payment made in advance to builder
• Approved building plan