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Documents Required for Housing Loan


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   Documents for Home Loan


List Of Documents for Salaried Borrowers

The following documents are required to be submitted by the borrower at the time of submitting his application: -

  • Loan Application form duly filled and signed by the borrower and co-borrower (where applicable).
  • Latest salary slip in original.
  • Employment certificate on the letterhead of the borrower's employer.
  • Xerox copy of the first and last page of the ration card.
  • Xerox copy of the first and balance page of Bank Pass Book.
  • Xerox copies of Rent Receipt and Electricity Bill, if applicable.
  • Xerox copy of the LIC policy along with a copy of the latest premium receipt.
  • Xerox Copies of various investments of the borrower.
  • Proof of educational qualification
  • Proof of age.
  • Previous experiences certificate wherever applicable.
  • Xerox copy of the agreement of the property if the property is already selected and agreement is entered into.
  • Xerox copies of the own contribution receipts, wherever applicable.
  • In case of borrowers whose salary is taxable, the companies generally call for the 3 years form 16 for tax deducted at source by the employer

 


List Of Documents for Self Employed Borrowers

  • A brief introduction of Business/Profession.
  • The Profit and Loss Statement and the Balance Sheet for the past 3 years duly certified by a Chartered Accountant.
  • The Income Tax returns for the past 3 years.
  • The Registration Certificate under Shop and Establishment Act and Factories Act.
  • The Copies of certificate of membership of any club or association etc.
  • Registration Certificate for deduction of Profession tax.
  • Certificate of practice if applicable.
  • Acknowledged copy of Letter of Authority addressed to the bank for obtained Confidential Credit Report.
  • Bank's Loan Sanction Letter if applicable.
  • All the documents submitted in Xerox should be duly attested. Xerox copies of returns should be duly attested by a Chartered Accountant.

 

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