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Documents Required For Home Loan

Documentation

PAN, If not available then Form 60 (mandatory document)

**1. Photo identity proof (self-attested copy of any one document*)**

Valid Passport with expiry date, photograph and signature
Voter’s Identity card issued by election commission of India
Driving License issued by regional transport authority
AADHAAR card issued by UIDAI
Job Card issued by NREGA duly signed by an officer of the state government
National Population Register containing details of name and address

**2. Address Proof (self-attested copy of any one document* )**

Valid Passport with expiry date, photograph and signature
Voter’s Identity card issued by election commission of India
Driving License issued by regional transport authority
AADHAAR card issued by UIDAI
Job Card issued by NREGA duly signed by an officer of the state government
National Population Register containing details of name and address

**Income proof (self-attested copy of any one document*)**

Salaried individual:

Last three months’ salary slip/salary certificate
Latest year’s ITR with income computation/Form 16. Note: If bonus is considered in eligibility, we will have to take last two years ITR/Form 16
Last six month’s bank statement reflecting salary credits.
Repayment track/bank statements proof of track with loan sanction letter/amortization schedule

Self-employed individual:

Income tax return with income computation (as applicable)
Balance sheets and P&L accounts with schedules (as applicable)
GST return for the number of months not covered in the latest financial year
Credit card statement for 6 months (required in case of banking surrogate)
Copy of Contract Order and Form 16 A (applicable only if income is from contracts)
Bank statements for the last 6 months - from business account of the firm/ company and savings
Account of the individual borrower and co-borrowers, if income being considered.
Repayment track/bank statements proof of track with loan sanction letter/amortization schedule.

**Property proof (copy of Property document*)**

Photocopy of draft sale deed and chain title documents (if any)
Allotment/Possession letter
No objection certificate from the society and other documents as per legal report

**Business proof (self-attested copy of any one document*)**

Shop establishment certificate (first priority).
Trade/professional license (sales tax number, importer's /exporter's code)
GST return

**Business address proof (self-attested copy of any one document*)**

Paid telephone bill (landline/postpaid mobile phone). Not older than 90 days from loan application
Paid electricity bill. Not older than 90 days from loan application.
Registered or notarized rent deed
Property allotment letter from government/registered societies.
Property papers-unregistered sale deed plus GPA
Property registered deed
Latest updated bank passbook/bank statements in borrower's name (subject to bank acct being 6 months and CPV confirms the same address)