Documents For Home Loan

Home Loan Documents

When applying for a home loan, most banks and financial institutions require a similar set of documents. However, the exact list can vary depending on the lender’s internal policies and specific applicant circumstances.

Below is the general list of documents needed for different applicant categories and property situations.

Basic Documents for All Applicants

Proof of age
Proof of residential address
Proof of income (applicant and co-applicant)
Last 6 months’ bank statements
Passport-size photographs (applicant and co-applicant)

For Salaried Individuals

Latest salary slips or Form 16 A
Copy of the first and last page of ration card or utility bills (PAN, telephone, electricity, etc.)
Proof of investments such as fixed deposit certificates, share certificates, or documents related to other fixed assets
Copy of LIC policy along with recent premium payment receipt (if available)
Photographs (as required)
Bank statements for the past six months

For Self-Employed Individuals / Business Owners

Brief profile of the business or profession
Audited balance sheets, profit & loss statements, and income tax returns for the last three years (certified by a Chartered Accountant)
Proof of advance tax payment (if applicable)
Registration certificate under the Shops & Establishments Act or Factories Act (if applicable)
Certificate of registration for professional tax deduction (if applicable)
Bank statements of both current and savings accounts for the last six months
Certificate of practice (for professionals, if applicable)
Details of existing loans (if applicable)
Copy of the first and last page of ration card or utility bills (PAN, telephone, electricity, etc.)
LIC policy copy (if applicable)