Home Loan Application - Check List

Home loans are easy to come by these days. So, dont fret over it. Focus on the documents you
need to furnish while applying for a home loan.
Documents required:
We give you a standard list of documents your bank will ask for. Besides this you need to submit
details of the property or home you are obtaining the loan for.
Tip: Check with your Bank or Non-Banking Financial Companies to figure out which of the
following documents you need to submit, as the requirements differ from bank to bank.
1. Identity proof
Driving license Voters ID Passport PAN card Ration card Employee ID Bank passbook Letter
from a recognized public authority or public servant verifying your photograph Confirmation letter
from your employer or another bank verifying your photograph
2. Address proof
Driving license Voters ID Passport Ration card Bank passbook or Bank account
statement LIC policy/ receipt Utility bill telephone, electricity, water, gas (less than 2
months old) Letter from any recognized public authority verifying residence address of the
customer Letter from your employer
3. Age proof
Driving license Passport Bank passbook PAN card Birth certificate 10th standard mark
sheet
4.Income proof
Income proof and property proof vary for a salaried individual and a self-employed individual.
a. Self Employed/Businessmen A brief introduction of Business/Profession Balance Sheet,
profit and loss account statement of income, proof of income tax returns for the last 3 years
certified by a CA Photographs Receipts of advance tax payments if any made A photocopy
of Registration Certificate of establishment under Shops and Establishments Act/Factories Act
Registration Certificate for deduction of Profession Tax Certificate of Practice Receipts of
Bank loans Proof of investments (FD Certificates, Shares, any other fixed asset) b. Salaried
individuals Income Proof (any one of the following): Latest Pay slip Form 16
Increment/Promotion letters Appointment letter Pay slip (Last 2 months) with salary account
bank statement Certified letter from Employer IT returns ( for three years ) Investment proof
(FD certificates, shares, any fixed asset etc.) Documents supporting the financial background
of the borrower (liabilities and assets if any) Photographs
5. Property documents
If a flat is purchased from a builder, you need the following property documents:
Original copy of your agreement with the builder
7/12 extract This is issued by the concerned land authorities giving details such as the survey
numbers, area, date from which current owner is registered as owner etc.
Property register card, which is obtained from the City Survey Department N.A. permission for
the land from the collector, if its agricultural If the land is agricultural and is being utilized for
residential/ commercial/industrial use, then such agricultural land has to be converted to non-
agricultural land and a Non-Agriculture Order has to be obtained from the Collector of the
district where the property is located.
Search Report and Title Certificate A search report and title certificate can be obtained from an
advocate who will conduct a survey of the title of the property by visiting the office of registrar.
A legal opinion can avoid any legal hassles later and is mandatory to be filed with the agreement
for sale.
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 the Corporation Building completion certificate Latest
receipts for taxes paid towards the land or property or flat to be purchased Partnership deed or
memorandum of association of the builders firm
If a flat is purchased from a Cooperative Society, you need the following property documents
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 bye
laws of the Society No objection certificate from the Society 7/12 extract or property register
card in the Societys name Copy of N.A permission for the land from the collector Search
Report and Title Certificate Copy of order under the Urban Land Ceiling Act Copy of the
building plans sanctioned by a competent authority Commencement certificate granted by
Corporation The latest receipts of taxes paid for the property Original Agreement to assign /
Deed of assignment
If you are constructing on your own land, then you will need the following property documents.
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
Copy of tax paid under Urban Land Ceiling Act (obtained from Commissionerate of Urban Land
Ceiling and Urban Land Tax) Copy of the building plans sanctioned by a competent authority
Building permission granted by the Corporation The latest receipts of taxes paid for your land
Estimate of the cost of construction certified by the architect.
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