You might be searching for your dream home now. You are planning to take home loan to purchase your dream home. Do you know what documents required for home loan in India? If you know these details up front, it can help you to speed up your home loan process once you identify the home. Banks have simplified the home loan process. A simple checklist can help you to know the documents required for home loan in India. However, it would depend on what type of home loan borrower, you are i.e. Salaried employees, businessmen, Businessmen who are professionals and NRI’s. In this article, I would provide a comprehensive list of documents required for home loan in India.
Also Read: How SBI Maxgain home loan Scheme helps you to reduce interest rates
What documents are required for home loan for salaried employees?
- Application form along with 3 photographs duly signed
- Identity proof, Residence Proof and Age Proof
- Last 6 months bank statement of savings or current account
- Last 3 months salary slips. If you have bonus, incentive or variable pay paid, you can consider last 6 months pay slips so that you would be eligible for a higher home loan.
- Form-16 / Income Tax Returns of last 3 years
- Processing fees cheque
What documents are required for a home loan for Self Employed Professionals and Self Employed non professionals?
- Application form along with 3 photographs duly signed
- Identity proof, Residence Proof and Age Proof
- Last 6 months bank statement of savings or current account
- Income Tax Returns of last 3 years
- Educational qualification certificate for professionals like Doctors, Charted Accountants etc.,
- Certificate indicating business existence
- Last 3 years CA audited balance sheet and profit and loss account
- Processing fees cheque
What documents are required for home loan for NRI’s?
- Application form along with 3 photographs duly signed
- Salary certificate from the employer which indicates the name as per passport, date of joining, passport number etc.
- 3 months salary slips
- Latest Income Tax Returns filed in India (if any)
- Passport copy with valid visa page
- Work permit copy (working in Non US country) / H1 visa document (working in US)
- A copy of all overseas bank account statements for the last 6 months
- Copies of NRE / NRO account of India for the last 6 months
- Power of attorney (PoA) of NRI applicant not available in India to sign documents
- Processing fees cheque from Indian bank
Also Read: Cheapest home loan Interest rates in India
What are the specific documents accepted by banks as Photo ID Proof and Residence Proof?
Photo ID Proof: PAN Card, Passport, Voter ID proof, Driving license etc.
Residence Proof: Electricity bill, Telephone bill, ration card, letter from employer, bank statement indicating residence address etc.
Conclusion: I feel if you are in search of home and plan to take home loan, keep these documents ready, so that you can speed up the process and close them within few days after you identify your dream home.
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Suresh
Documents required for home loan in India
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10 comments
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Nice Read
Dear Suresh,
Good amount of details. However, I have following query:
Nowadays, some Non-Banking firms (LIC Housing, DHFL etc.) are also offering home loans at an attractive interesting rates. But, I doubt about their reliability on interest hike after some time with out any prior notice or with out any strong point to increase the interest rate. The only advantage with these firms is getting the home loan with lesser effort, documentation and time. Pls let me know your opinion on these Non-banking firms.
Thanks
Ravi N
Hi Ravi, I agree with you. I have seen readers making comment on this blog that LICHFL and other non banking finance companies are increasing interest rates after couple of years from the date of loan. I believe that one should go for banks instead of financial institutions as housing loan is long term commitment.
CIBIL TransUnion Score also!
Very nice and informative article Suresh,
THanks
Hi
Thanks for the wonderful information.
Can u let me know the documents required if we apply for a joint loan
Kitesh, I spoke to one bank official last week and he told me that documents which are required by an individual applies even for joint loan too i.e. all documents to be submited by both of them. Incase one of them does not have any income, the eligibility would be reduced. Hence all docs are required to be submitted by both applicants.
Good info buddy 🙂
Age Proof
Address Proof
Income Proof of the applicant & co-applicant
Last 6 months bank A/C statement
Passport size photograph of the applicant & co-applicant
In case of Salaried
Employment certificate from the employer,
Copies of pay slips for last few months and TDS certificate
Latest Form 16 issued by employer Bank statements
In case of Self-employed
Copy of audited financial statements for the last 2 years
Copy of partnership deed if it is a partnership firm or copy of memorandum of association and articles of association if it is a company
Profit and loss account for the last few years
Income tax assessment order