Home Loan Documents Requirements
Everything you need for a seamless home loan application
Document Checklist
- Aadhaar Card
- Driving Licence
- Voter’s ID Card
- Birth Certificate
- Aadhaar Card
- Passport
- Bank Account Passbook
- Class 10 Marksheet
- Driving Licence
- PAN Card
- Form 60
- Aadhaar Card
- Utility Bills like Electricity Bill, Telephone Bill, etc.
- Passport
- Voter’s ID Card
- Ration Card
- Certified letter by recognised public authority
- Payslip for a minimum of last 3 months
- IT returns of a minimum last 3 years
- Form 16
- Certified letter from employer
- Promotion or increment letter
- Passport–sized photographs of applicants and co-applicants
- Proof of self-contribution
- Ongoing loan details
- Bank statements of the last 6 months showing repayment of loans, if any
- Cheque for processing fee towards the Home Loan provider
- Employment Contract or Appointment Letter
- Title Deeds
- Receipt of payment to developer or seller
- Allotment Letter or Buyer’s Agreement
- Sales Agreement
- Construction estimate details by architect or civil engineer
- Plans approved by local authorities
- Proof of no encumbrances on property
Document Checklist
- PAN Card
- Form 60
- Aadhaar Card
- Driving Licence
- Voter’s ID Card
- Birth Certificate
- Aadhaar Card
- Passport
- Bank Account Passbook
- Class 10 Marksheet
- Driving Licence
- Aadhaar Card
- Utility Bills like Electricity Bill, Telephone Bill, etc.
- Passport
- Voter’s ID Card
- Ration Card
- Certified letter by recognised public authority
- Payslip for a minimum of last 3 months
- IT returns of a minimum last 3 years/li>
- Form 16
- Certified letter from employer
- Promotion or increment letter
- Passport–sized photographs of applicants and co-applicants
- Proof of self-contribution
- Ongoing loan details
- Bank statements of the last 6 months showing repayment of loans, if any
- Cheque for processing fee towards the Home Loan provider
- Title Deeds
- Business profile
- Most recent Form 26AS
- List of Directors and Shareholders with individual shareholding certified by a CA or CS
- Partnership deed if the business is a partnership firm
- Articles of Association and Memorandum of the company
- Title Deeds
- Receipt of payment to developer or seller
- Allotment Letter or Buyer’s Agreement
- Sales Agreement
- Construction estimate details by architect or civil engineer
- Plans approved by local authorities
- Proof of no encumbrances on property
Eligibility Criteria
| Salaried Individuals | Self-Employed Individuals |
|---|---|
| 23-75 years** | 25-70 years** |
| 3+ years employment | 5+ years business continuity |
Key Eligibility Factors
Applicant Age
Optimal age range for loan tenure
Credit Profile and Score
Individuals with a high credit score of over 750
Employment Status
Employment of 3+ years for salaried
FOIR
Income Ratio, or FOIR, is a measure of an applicant’s repayment capacity
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