Taking a home loan is a long process in itself which requires a lot of documents, if all these documents are gathered in advance then it is easy to apply for a home loan. Otherwise, due to the lack of any one document, the entire loan against property can be rejected or it can be unnecessarily delayed.
To avoid this, it is important that we should know which documents we would need. What are the documents required for loan.
Documents Checklist For Home Loan / Realty Loan / Top Up / LAP / PAL
KYC documents for all applicants
- 4 passport size photo
- Aadhar card
- Pan card
- Latest electricity bill
- House/ flat allotment letter
- Bank account number
- Marriage certificate
- Rent agreement
- latest elctricity bill on the name of landlord
- Address proof from employer
- Cheques for search/ valuation & processing fee
- Seller kyc ( aadhar & pan )
- Income documents
- Latest three months salary slips
- Last two years form-16 or last two years Income Tax Return with Computation sheet
- Salary certificate from employer
- Salary account statement for last 6 months
- PPO (pension payment order)
- Serving certificate
- Gumasta /shop registration
- Rent Agreement of Shop
- Last three years ITR with computation, balance sheet, profit & loss statement
- One year current account statement
- Last one year loan account statements for all Existing loans
- Khasra, Khatoni & Panchsaala
- Rin pustika & mandi reciepts
- Partnership deed /agreement
- GST regristration
- Company registration
- Form 26 as last three years
- Registration number
- Appointment/ offer letter/ all contracts copy in case of contractual job
- Previous company relieving / Experience letter
Property documents
- Sale agreement
- All registry copy
- Chain registry for 30 yrs of builder
- Building permission with approved layout
- T&Cown and Country Planning (T&CP ) approval with layout
- Colonizers licence
- Colony development permission
- Nazul noc
- Colony prakoshth
- Possession letter/completion certificate
- Latest property tax reciept
- Lease deed for bda/ mp housing board
- Namantran from revenue deppt
- Hastantran in mp housing board/ bda
- Society registration
- Power of attorney if applicable
- Noc for sale / mortgage in mp housing societies
- Board/bda/societies
- Estimate for construction with disbursement schedule
- Partnership deed if applicable
For Takeover
- Home loan account statements
- List of documents (L.O.D.)
- Foreclosure letter
- Loan sanction letter
Miscellaneous
- Noc/ full account statement for any default loan , (if applicable)