Home Loan Application - Check List

Home loans are easy to come by these days. So, don’t 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 Society’s 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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