How Loan Documents Checklist

Here are some of the most important documents that most lenders ask you to submit with your loan application:

1. Completed and signed home loan application form

2. Latest passport size photographs

3. Identification proof (at least one proof required)

Aadhar Card
Driving License
PAN
Passport
Voter ID

4. Residence proof (at least one proof required)
Utility bills (like Telephone bill, electricity bill, water bill)
Ration card
Passport
Bank statement with your address or Passbook
Employment letter
Voter ID

5. Age proof (at least one proof required)
Birth certificate
10th marksheet
Driving License
PAN
Aadhar Card
Passport
Passbook

6. Income documents

For salaried individuals:

Copy of Form-16 Copy of the latest Income Tax returns Latest Salary slips Salary increment letter (if any)

For self-employed individuals:

Bank account statement
Latest Balance Sheet and P&L statement
Copy of Income Tax returns
Proof of business address
Copy of Form-16A (if applicable)
Certificate of qualification (required for professionals like C.A., Doctor, etc.)
Details of business license

For non-resident Indians (NRIs):

Copy of valid Visa and passport
Work permit
Bank statement (both overseas and NRO)
Letter of appointment with latest salary slips (if salaried employee)
Employee ID (if applicable)
Overseas address proof

7. Property documents

Sale deed or agreement to sell
NOC (no objection certificate) from the builder or society
Construction cost estimate
Receipts of property tax paid
Receipts of tax paid for land/building
Receipt of any payment made in advance to builder
Approved building plan