List of papers/ documents applicable to all applicants:
- Employer Identity Card.
- Loan Application: Completed loan application form duly filled in affixed with 3 Passport size photographs.
- Identity Proof any one of these: PAN/ Passport/ Driver’s License/ Voter ID card.
- Proof of Residence/ Address (Anyone): Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card.
Property Papers:
- Permission for construction (where applicable).
- Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale.
- Occupancy Certificate (in case of ready-to-move property).
- Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt.
- Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property).
- Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller.
Account Statement:
- Account Statements of last 6 months for all Bank Accounts held by the applicant/s in any Bank.
- If the applicant has taken any previous loan from other Banks/Lenders, then the Loan A/C statement for the last 1 year.
Income Proof for Salaried Applicant/ Co-applicant/ Guarantor:
- Salary Slip or Salary Certificate of last 3 months.
- Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept.
Income Proof for Non-Salaried Applicant/ Co-applicant/ Guarantor:
- Business address proof
- Slip of IT returns for last 3 years
- Balance Sheet & Profit & Loss A/c for last 3 years
- Business License Details(or equivalent)
- TDS Certificate (Form 16A, if applicable)
- Qualification certificate (for C.A./ Doctor and other professionals)
Eligibility for Home Loan:
- Resident Type: Resident Indian
- Minimum Age: 18 years
- Maximum Age: 70 years
- Loan Tenure: up to 30 years.