Most banks or NBFCs start with a detailed loan application form. It includes your personal, employment, and financial details. Attach passport-sized photos as per the requirement.

Accepted documents:
Aadhaar Card
PAN Card
Passport
Voter ID
Driving License

Make sure your address is updated:
Aadhaar Card
Utility Bills (Electricity, Water, Gas)
Passport
Ration Card

Different for salaried and self-employed:
Salaried:
Last 3 months’ salary slips
Form 16 or Income Tax Returns (ITR)
Self-Employed:
Last 2–3 years ITR with computation
Business registration proof
CA-audited profit & loss statements

Provide 6–12 months of bank statements, preferably from the account where your salary/income is credited.

These are crucial and differ slightly depending on whether it’s a new home or resale:
Sale Agreement
Allotment Letter (from builder)
Possession Certificate
Title Deed & Mother Deed
Encumbrance Certificate

If the house is being built, lenders need:
Construction plan
Estimate of cost by a licensed architect or civil engineer

If it’s a resale home or flat, banks may ask for an NOC from:
Society or Builder
Municipal Authority

To show that you have a stable income source:
Salaried:
Employment ID card
Experience letter (optional)
Self-employed:
Business license
GST registration

Most banks fetch this themselves, but having a copy can help you negotiate better loan terms. A score of 750+ is considered excellent for home loans.