Different banks require different documents for processing a housing loan. Broadly, following documents are required by the banks :


Proof of Income :

  • Copies of balance sheet, profit and loss accounts, computation of income and Income tax returns for the last 3 years (in case of Self Employed)
  • Salary certificates and form No. 16 for the last three years (in case of salaried)
  • TDS certificate for last 3 years
  • Bank Statements showing credit entries for salary / Professional fees received for the past 12 months
  • Professional qualification certificated etc.

    Title of flat :

  • Copy of the Property sale deed.
  • Title report by a solicitor.
  • NOC from the builder / condominium / society
  • Amenities agreement, if any.

    Other Documents :

  • Proof of age – copy of passport, driving license etc. (with Dt of Birth)
  • Proof of Residence – Copy of ration card, passport, etc.
  • Photographs with signature.
  • Documentation required for guarantor, if any.


    Residence And Age Proof :

  • Voter’s I-card.
  • Passport.
  • Ration Card / Phone Bill / Electricity Bil

    Income Proof :

  • Attested Salary Slips for the last 3 months in original or salary certificates with deduction.
  • Bank Passbook for last 6 months (Salary Account).
  • Income Tax – Form 16 Xerox (Photocopy).
  • PAN card.

    Employment Proof :

  • Appointment Letter / Increment Letter / Confirmation Letter.
  • Copy of company I-card.
  • Company Profile.
  • Company Brochures.

    Common Documents :

  • Cheque for Processing Fees.
  • Photograph of Applicant and Co-applicant.
  • It taken any other loan, outstanding amount proof or loan closure certificate.

    Guarantors :

  • Incase of guarantors, same set of documents, as applicants are required.

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