Identity proofs :PAN Card/Driving License/ Passport/ Voter's ID/ Aadhaar Card 

Address ProofPassport/Driving License/Voter's ID/Aadhaar Card/Utility Bill/Bank Statement/Bank Account Passbook (Updated and no more than 3 months old) 

Ownership proof

Agreement Copy / Electricity Bill / Maintenance Bill with share certificate / Municipal tax bill/Share certificate 

Shop and Establishment certificate/Tax registrations-VAT/Service tax/GST registrations 

MOA/Partner Ship Deed/GST Registration Certificate 

• HOME LOAN CATEGORIES
• CONSTRUCTION
• REFINANCE
• IBT
• TOPUP
• PURCHASE
• PURCHASE RESALE
• PURCHASE NEW PLAT
• COMPOSITE LOAN FUNDED ON LAND+BUILDING
• Identity proof (copy of passport/voter ID card/driving license/Aadhaar)
• Address proof (copy of passport/voter ID card/driving license/Aadhaar)
• Bank statement of previous 3 months (Passbook of previous 6 months)
• Two latest salary slip/current dated salary certificate with the latest Form 16.
• Proof of End use. 

A copy of any of the following identity proof documents:

• Passport
• Photo Credit Card (front & reverse)
• Voters ID Card
• Driving License
• PAN card
• Copy of Company ID card of MNC/Public Ltd./PSU/Govt. Company
• Ration Card (if photo is provided)

A copy of any of the following documents as address proof:

• Passport
• Voter's ID Card
• Driving License
• Rental Agreement
• Telephone Bill
• Electricity Bill
• Gas Connection Bills
• Ration Card
• Sale Deed
• Property Purchase Agreement
• Credit Card Billing Statement (latest)
• LIC Policy
• Letter from Company or Company Provided Accomodation (List of the company's as per the Banks List – ID card of MNC/Public Ltd./PSU/Govt. Company, containing the residence address)

The following Income Proof:

• Salaried: Latest salary slip for Govt. employees. If Salary slip is not available, only salary certificate to be accepted with deductions. For Partnership/Proprietary firms & Pvt. Ltd. Co's – Salary Certificate to be accepted with the following mitigants: Salary Certificate to clearly state the deductions, and Name & Designation of the authorised signatory.
• For Self Employed: Copy of the latest Income Tax Return

 

• Photo ID with age proof (like, PAN card, passport, driving license)
• Signed application form with 3 passport sized photographs.
• Residence proof like. Valid passport. ...
• Bank statement for the last six months.
• If the applicant is a salaried individual. ...
• If the applicant is a self-employed individual 

• Age proof.
• Application form.
• Photograph.
• Income proof.
• Work in hand/Contract copies.
• Signature verification proof.
• Pro forma invoice.
• KYC Documents 

 

Post-sanction/Pre-disbursement documentation:

• Loan Agreement duly signed along with RTO set
• ECS Form/Standing Instruction (SI) request
• Margin money receipt
• Insurance cover note 

1. Completed Home Loan Application Form

2. Passport size Photographs

3. Proof of Identification: (Any one of the below)

• PAN Card
• Passport
• Aadhaar Card
• Voter’s ID Card
• Driving License

4. Proof of Age: (Any one of the below)

• Aadhaar Card
• PAN Card
• Passport
• Birth Certificate
• 10^th Class Marksheet
• Bank Passbook
• Driving License

5. Proof of Residence: (Any one of the below)

• Bank Passbook
• Voter’s ID
• Ration Card
• Passport
• Utility bills (Telephone Bill, Electricity Bill, Water Bill, Gas Bill)
• LIC Policy Receipt
• Letter from a recognized public authority verifying the customer’s address

6. Income Documents:

For Salaried Individuals:

• Form 16
• Certified letter from Employer
• Payslip of last 2 months
• Increment or Promotion letter
• IT returns of past 3 years

Apart from the proof of income of the salaried individual, he would also have to furnish any investment proofs (like fixed deposits, shares, etc) and his passport-size photographs.

Self Employed:

• Income Tax Returns (ITR) of last 3 years
• Balance Sheet and Profit & Loss Account Statement of the Company/Firm (duly attested by a C.A.)
• Business License Details (or any other equivalent document)
• The license of Professional Practice (For Doctors, Consultants, etc.)
• Registration Certificate of Establishment (For Shops, Factories & Other Establishments)
• Proof of Business Address

7. Property Documents Required For Home Loan:

• NOC from Society/Builder
• A detailed estimate of the cost of construction of the house
• Registered Sale Deed, Allotment Letter or Stamped Agreement of Sale with the Builder (original document)
• Occupancy Certificate (in case of ready-to-move-in properties)
• Property Tax Receipts, Maintenance Bills and Electricity Bills
• Receipts of the advance payments made towards the purchase of flat (original document)
• An approved copy of the building plan (key plan/floor plan in case of purchase of flats)
• Original of the land tax paid receipt and possession certificate as issued by the revenue authority
• Payment receipt or bank account statements showing payments made to the Builder or Seller

 

Home Equity Application Checklist

Use this list to gather the documents you'll need.

You may be asked to provide some or all of the items listed below to decision your credit  request. In order to eexpedite the process, please provide all required information at the time of application. If you apply online or over the phone, you will be asked to fax, mail or email this information.

Personal  Information for Applicant and Co-Applicant:

• Full legal name, Social Security number, Date of Birth
• Current address and previous, if less than two years
• Current employer and previous, if less than two years, including main office phone number
• Government issued photo ID (Driver’s license, US passport or state-issued ID)

Required Income Documentation for Applicant and Co-Applicant

You may fall into one or more of these categories.  Please submit all documents that apply.

If you are an EMPLOYED WAGE EARNER / COMMISSIONED:

• Most recent paystubs showing last 30 days YTD income
  
• Most recent 2 consecutive years W-2s
• For Commission Income: All items indicated above AND Most recent 2 consecutive years Personal Federal tax returns, Signed & Dated
• For Loan Requests Greater than $250,000: All items indicated above AND most recent 2 consecutive years Personal Federal tax returns, Signed & Dated, AND Personal Financial Statement (form provided by PNC), Signed & Dated

If you are SELF-EMPLOYED

• Most recent 2 consecutive years W-2s (if you are receiving income as an employee of the business)
• Most recent 2 consecutive years Personal Federal tax returns (with all schedules), Signed & Dated
• If Ownership Is 25% or Greater: All items indicated above AND Most recent 2 consecutive years Business Federal tax returns (with all schedules), Signed & Dated, AND YTD profit & loss statement and balance sheet
• For Home Equity Line of Credit applications: sole proprietors may provide 6 months of business bank statements with deposit history in lieu of a profit & loss statement
• For Loan Requests Greater than $150,000: All items indicated above AND Personal Financial Statement (form provided by PNC), Signed & Dated

If you receive SUPPLEMENTAL or RETIREMENT INCOME:

• Most recent 2 consecutive years Personal Federal tax returns (with all schedules), Signed & Dated
• For Social Security Income: Social Security Income Award Letter (current or most recent year)
• For Home Equity Line of Credit applications: most recent 2 months of deposit history may be used in lieu of a Social Secuity Income Award Letter and most recent 2 consecutive years personal federal tax returns (with all schedules)
• For Pension Income: Pension Award Letter and/or documentation demonstrating all sources of income
• For Investment Income: Most recent investment statements
• For Rental Income: Current lease agreement for each unit
• For Home Equity Line of Credit applications: 24 month rental history reflected on most recent 2 consecutive years personal federal tax returns may be used in lieu of a current signed lease/rental agreement
• For Loan Requests Greater than $250,000: All items indicated above AND Personal Financial Statement (form provided by PNC), Signed & Dated

Required Property Information

• Homeowners/Condo/Townhome Insurance declaration page, showing premium, deductible and coverage amount
• If Taxes and Insurance Are Currently Being Escrowed: Most recent mortgage statement
• If Taxes and Insurance are Currently NOT Being Escrowed: Current year property tax statement
• For Loan Amounts $500,000 or Greater: Title insurance policy from most recent mortgage (Title commitment not acceptable)
• If Property Is in a Flood Zone: Flood Insurance declaration
• If Property Is a Condominium: Master insurance policy for condominium association

Additional Information, if applicable and may be required during the review process

• Signed Current Year Tax Return Extension
  
• Trust agreement (all pages must be submitted)
  
• 30-day Payoff Statement for All Required Payoffs 
• Power of Attorney (must be r