Required Documents
The following are a few factors on which the sanctioned loan amount depends:
  1. 1. Type of borrower
  2. 2. Age of the applicant
  3. 3. The purpose of the loan
  4. 4. Nature of property
  5. 5. Income of applicant
  6. 6. Agreement value of the property to be purchased

Checklist of Documents required for Loan:
  1. 1. Fill the Loan Application
  2. 2. Proof of Identification:
    • A. Passport
    • B. PAN card
    • C. Bank passbook
    • D. Voter’s ID card
    • E. Driving license
    • F. Bank passbook
    • G. Employee ID
  3. 3. Proof of Identification:
    • A. Birth certificate
    • B. 10th class marksheet
    • C. Passport
    • D. Bank passbook
    • E. PAN card
    • F. Driving license
  4. 4. Address Proof:
    • A. Passport
    • B. Bank passbook or Bank account statement
    • C. Utility bill (telephone, electricity, water, gas)–less than 2 months old
    • D. LIC Policy Receipt
    • E. Ration card
    • F. Voter’s ID
    • G. Letter from a recognized public authority verifying the customer’s residence address
Income Documents:
  1. Salaried individuals (any one of the following):
    • A. Form 16
    • B. Pay slip (Last 2 months)
    • C. IT returns (for 3 years)
    • D. Certified letter from Employer
    • E. Increment or Promotion letter
    • F. ID / Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card and
    • G. Residence Proof – Passport, postpaid bill, water bill, gas bill
  2. Apart from the proof of income of the salaried individual, he would also have to furnish any investment proofs (like fixed deposits, shares, etc) and his passport-size photographs.

  3. Self Employed or businessman (any one of the following):
    • A. Last 3 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant
    • B. Last 2 years Balance Sheet and Profit & Loss account of the firm- duly attested by a Chartered Accountant
    • C. Business profile on the letterhead of the company.
    • D. Proof of Business - Shop and Establishment Certificate, Vat Registration Certificate/ Service Tax Certificate.
    • E. 1 photograph
  4. Apart from these, a self-employed individual also has to submit:
    • A. A brief introduction of his profession/business
    • B. Photocopy of Registration Certificate of establishment under Shops and Establishments Act/Factories Act
    • C. Photocopy of Registration Certificate for deduction of Profession Tax
    • D. Proof of investments
    • E. Certificate of Practice
    • D. Receipts of advance tax payments (if any )
    • D. Passport size photographs
Income Documents:
  1. Sale deed, agreement of sale with the builder (original copy)
  2. Land and building tax paid receipts, location sketch of the property certified by the revenue authorities, possession certificate
  3. Letter of allotment given by the Housing Board/Society/Private builder
  4. Original receipts of the advance payments that are made towards the purchase of flat
  5. An approved copy of the building plan (key plan/floor plan in case of purchase of flats)
  6. Original of the land tax paid receipt and possession certificate as issued by the revenue authority
  7. Original No objection certificate (NOC) from the housing society or builder
  8. Detailed estimate of the cost of construction of house
  9. Letter from the builder/society/housing board, stating their account number and name of their bankers for the remittance of installments

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