If you have arrived here by the help of search engine, we pre assume that you are seeking some home loans to purchase a home or on the look out for some information related to Home loans or Home Loan Types or you must read some Home Loan Articles. Hereby, we present to you the home loan documents checklist that you need to ensure is with you, before you apply for a home loan. A basic checklist for home buyers like proper and clear title and correct proposition will help you make a safe and informed purchase. There are other home loan tools like calculators suitably devised to assist you.

Confirmation of Income

• If you are a salaried person, please provide two recent consecutive pay slips or a copy of your employment contract or a letter from your employer.


• If you are self-employed, please provide copies of your last two Financial Accounts as prepared by your accountant.


• Appointment Letter


• Salary Certificate


• Retainer ship Agreement, if appointed as a consultant


• FORM 16 issued by the employer in your name.


• Last three years income tax returns duly filed and certified by the Income Tax Authorities


• Similar Document -separately for each co-applicant.

Employment Proof

• Identity card issued by your employer


• Visiting card

Age Proof

• Passport


• Voter's ID card


• PAN card


• Ration card


• Employer's Identity card


• School leaving certificate


• Birth certificate

Residence Proof

• Ration card


• Passport


• PAN card


• Rent agreement, if you are staying currently on rent


• Bank Pass book


• Allotment letter from your company if you are residing in company quarters.

Name Change Proof (If Applicable)
A copy of the official gazette b. A copy of a newspaper advertisement publicizing the name change c. Marriage certificate

Investment Proof (If Applicable)

• Bank statement for the last six months of all operating and salary accounts


• Bank statements for the last six months of all current accounts, if self-employed.


• Any other photocopies of investments held, if required by the Bank

Property Title Proof

• Original Sale agreement with Builder/Developer duly registered, Registration receipt


• Tripartite agreement from builder/developer


• Land documents indicating ownership, e.g.- Photocopies of title deeds, if applicable


• A certificate by the legal advisor of the builder to the effect that the builder has a good reputation and it is free from encumbrance and other charges.


• A certificate from builder's Chartered Accountant certifying that the builder has not mortgaged the property anywhere else.
• Certified true copy of approved plan.
• Copies of receipts of payments made to builder/developer.


• Allotment letter


• Possession letter


• Lease agreement, if applicable (Property bought from a development authority)


• Mortgage deed if the Bank opts for a registered mortgage.


• No Objection Certificate from the developer, society or development authority as applicable


• Personal Guarantees, if applicable.


• In case of alternate or additional security, documents for the same depending upon the security details.


• For self-construction: Approved plans and clearance certificates along with estimates


• Post dated cheques for the EMIs.

Confirmation of Rental Income
Copy of the existing tenancy agreement, or a rental appraisal, from a local real estate agent signed by branch manager, or rental manager.

Deposit or Investments

• Evidence of your deposit or investment funds, i.e. a bank statement or term deposit receipt.


• For low equity loans (5-19% deposit), copy of your savings account statements over the last six months.

Sale and Purchase Agreement

• If you are planning to buy a property, please provide a copy of the successful sale and purchase agreement signed by both you and the vendor.


• If you are planning to sell or have already sold your existing property, please provide a copy of that property's sales and purchase agreement.

New Customer to the banks of India

• If you are refinancing from another bank please provide copies of your loan statements covering the last six months.


• Please provide copies of your account statements covering the last six months from your current bank.


• Please provide copies of your identification and if you have arrived in the country within the last 5 years, please provide a copy of your passport.

Government Valuation and rating System
A copy of the latest Government or Ratings Valuation is to be provided. Depending on the age and value indicated in conjunction with the amount required to borrow, the Bank may require a Registered Valuation and your Banker will advise you.