HOME LOANS

• HOME LOAN CATEGORIES
• CONSTRUCTION
• REFINANCE
• IBT
• TOPUP
• PURCHASE
• PURCHASE RESALE
• PURCHASE NEW PLAT
• COMPOSITE LOAN FUNDED ON LAND+BUILDING 
• SALARY SEGMENT DOCUMENTS
• 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.  

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
• 10th 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