| Documents Required for Home Loans |
Please note these requirements are for Indian Citizens.
Salaried Individuals
- LAST THREE MONTHS SALARY SLIPS OF BOTH( IF ANY CO-OWNER OR CO-APPLICANT IS THERE)
- LAST SIX MONTHS BANK STATEMENT OF SALARY ACCOUNT OF BOTH.
- COPY OF LATEST FORM-16 OF BOTH.
- COPY OF LATEST I.T.R OF BOTH.
- COPY OF PAN CARD (AS I.D . PROOF) OF BOTH.
- ADDRESS PROOF OF BOTH.(RATION CARD,PASSPORT,ELECTRICITY BILL,ON COMPANY LETTER HEAD,MTNL OR BSNL BILL.)
- OBLIGATION DETAILS IF ANY( SANCTION LETTER, REPAYMENT SCHEDULE)
- LAST SIX MONTHS BANK STATEMENT IF THERE IS ANY OTHER ACCOUNT
- COLOURED PASSPORT SIZE PHOTOGRAPHS OF BOTH.
- COPY OF MARRIAGE CERTIFICATE IF NAME IS CHANGED AFTER MARRIAGE.
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Self-Employed/Businessmen
- A brief introduction of Business/Profession.
- Balance Sheet, Profit and Loss account and statement of income with Income Tax returns for the last 3 years certified by a CA.
- A photocopy of Advance Tax payments (if applicable).
- A photocopy of Registration Certificate of estatblishment under shops and Establishments Act/Factories Act.
- A photocopy of Registration Certificate for deduction of Profession Tax (if applicable).
- Bank statements of Current and Saving accounts for the last 6 months.
- A photocopy of Certificate of Practice(if applicable).
- A photocopy of any bank loan (if applicable).
- A photocopy of the first and last pages of the Ration card or a copy of PAN/Telephone/Electricity Bills.
- A photocopy of LIC policy (if applicable).
- A photocopy of investments (FD Certificates, Shares, any other fixed asset).
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If a flat is purchased from the builder
- Original copy of your agreement with the builder.
- 7/12 extract or property register card of the land under construction.
- Index II extract of your agreement with the builder.
- Copy of N.A. permission for the land from the collector.
- Search and title report (with the details of documents) for the last 30 years.
- Development agreement between the owner of land and the builder.
- Copy of order under the Urban land Ceiling Act.
- Copy of building plans sanctioned by the competent authority.
- Commencement certificate granted by Corporation / Nagar Palika.
- Building completion certificate(if available).
- The latest receipts of taxes paid.
- Partnership deed or memorandum of association of the builders firm.
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If the property is being purchased is in a Cooperative Society
- Original share certificate of the Society.
- Allotment letter from the society in your name.
- Copy of the lease deed, if executed .
- Certificate of the registration of the society.
- Copy of the byelaws of the society.
- No objection certificate from the society.
- 7/12 extract or property register card in the society's name.
- Copy of N.A permission for the land from the collector.
- Search and title report(with the details of documents) for the last 30 years.
- Copy of order under the Urban Land ceiling Act.
- Copy of the building plans sanctioned by the competent authority.
- Commencement certificate granted by Corporation / Nagar Palika.
- The latest receipts of taxes paid.
- Original Agreement to assign / Deed of assignment.
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If constructing on own land
- Original sale deed of land and extract of Index II.
- /12 extract or property register card in your name.
- Copy of N.A. permission for land from the collector.
- Search and title report (with the details of documents) for the last 30 years.
- Copy of order under Urban Land Ceiling Act.
- Copy of the building plans sanctioned by the competent authority.
- Building permission granted by Corporation / Nagar Palika.
- The latest receipts of taxes paid.
- Estimate of cost of construction certified by the architect.
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