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Documents Required for Home Loans
Please note these requirements are for Indian Citizens.
Below are the lists of documents required for availing of home loans for various business and property categories. Please click on the categories mentioned above to view the list.
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Salaried Individuals
- 2 photograph
- Identity proof
(PAN CARD, RATION CARD, DRIVING LICENCE, VOTER ID, PASSPORT, Telephone/Electricity bills)
- Residence proof
(RATION CARD, DRIVING LICENCE, VOTER ID, LIC BOUND, RENT AGREEMENT COPY,TAX PAID CHALLEN, Telephone/Electricity bills)
- Last 3 months salary slip
- Form 16 A
- Last 6 months bank salaried credit statements
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Self-Employed/Businessmen
- 2 photograph
- Identity proof
(PAN CARD, RATION CARD, DRIVING LICENCE, VOTER ID, PASSPORT, Telephone/Electricity bills)
- Residence proof
(RATION CARD, DRIVING LICENCE, VOTER ID, LIC BOUND, RENT AGREEMENT COPY,TAX PAID CHALLEN, Telephone/Electricity bills)
- Education qualifications certificate & proof of business existence
- Business profile
- Business proof
(Registration Certificate of estatblishment under shops and Establishments Act/Factories Act)
- Income Tax returns for the last 3 years certified by a CA
A.SARAL COPY
B.statement of income
C.Profit and Loss account and
D.Balance Sheet
- Bank statements, Current and Saving accounts for the last 6 months
- A photocopy of investments (FD Certificates, Shares, any other fixed asset).
- A photocopy of any bank loan (if applicable)
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If a flat is purchased from the builder
- Original copy of your agreement with the builder.
- 7/12 extract or property register card of the land under construction.
- Index II extract of your agreement with the builder.
- Copy of N.A. permission for the land from the collector.
- Search and title report (with the details of documents) for the last 30 years.
- Development agreement between the owner of land and the builder.
- Copy of order under the Urban land Ceiling Act.
- Copy of building plans sanctioned by the competent authority.
- Commencement certificate granted by Corporation / Nagar Palika.
- Building completion certificate(if available).
- The latest receipts of taxes paid.
- Partnership deed or memorandum of association of the builders firm.
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If the property is being purchased is in a Cooperative Society
- Original share certificate of the Society.
- Allotment letter from the society in your name.
- Copy of the lease deed, if executed .
- Certificate of the registration of the society.
- Copy of the byelaws of the society.
- No objection certificate from the society.
- 7/12 extract or property register card in the society's name.
- Copy of N.A permission for the land from the collector.
- Search and title report(with the details of documents) for the last 30 years.
- Copy of order under the Urban Land ceiling Act.
- Copy of the building plans sanctioned by the competent authority.
- Commencement certificate granted by Corporation / Nagar Palika.
- The latest receipts of taxes paid.
- Original Agreement to assign / Deed of assignment.
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If constructing on own land
- Original sale deed of land and extract of Index II.
- 7/12 extract or property register card in your name.
- Copy of N.A. permission for land from the collector.
- Search and title report (with the details of documents) for the last 30 years.
- Copy of order under Urban Land Ceiling Act.
- Copy of the building plans sanctioned by the competent authority.
- Building permission granted by Corporation / Nagar Palika.
- The latest receipts of taxes paid.
- Estimate of cost of construction certified by the architect.
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