Documents required for a home loan
Five checklists covering identity, income and the property itself, plus the three things that actually delay a sanction.
Everyone: identity and address
KYC, required regardless of employment type.
- check_circlePAN card, mandatory for every applicant and co-applicant
- check_circleAadhaar card
- check_circlePassport, voter ID or driving licence as additional photo identity
- check_circleRecent passport-size photographs
- check_circleProof of current address if it differs from Aadhaar, such as a utility bill or rent agreement
If you are salaried
Income proof. This is where most applications get delayed.
- check_circleLast 3 months' salary slips
- check_circleLast 6 months' bank statements for the salary account
- check_circleForm 16 for the last 2 years, or the income tax returns
- check_circleEmployment certificate or the current offer letter
- check_circleRelieving letter from the previous employer if you switched recently
If you are self-employed
Lenders assess business stability as well as income.
- check_circleIncome tax returns with computation of income for the last 2 to 3 years
- check_circleAudited profit and loss account and balance sheet where applicable
- check_circleLast 6 to 12 months' current account and savings account statements
- check_circleGST returns for the recent period
- check_circleBusiness registration proof, such as the GST certificate, shop and establishment licence or partnership deed
- check_circleProfessional qualification certificate for doctors, chartered accountants and similar practices
If you are an NRI
In addition to the standard identity set.
- check_circleValid passport and visa
- check_circleEmployment contract, attested where the lender requires it
- check_circleOverseas address proof
- check_circleLast 6 months' NRE or NRO account statements, plus overseas salary account statements
- check_circlePower of attorney in the lender's format, if someone in India will act on your behalf
The property
The bank checks these independently of your profile.
- check_circleSale agreement or the builder's allotment letter
- check_circleTitle deed and the chain of previous title documents
- check_circleApproved building plan and commencement certificate
- check_circleRERA registration number for an under-construction project
- check_circleOccupancy or completion certificate for ready property
- check_circleLatest property tax paid receipts and khata
- check_circleEncumbrance certificate, usually for the last 13 to 30 years
- check_circlePayment receipts for any amount already paid to the builder
Where applications actually stall
Rarely the identity documents. Almost always one of these three.
- Income that does not reconcile. Salary slips showing one figure and bank credits showing another, usually because of variable pay or reimbursements. Expect to explain the gap in writing.
- An unresolved title issue on the property. A break in the title chain, a pending encumbrance, or a khata that does not match the seller's name. This is the bank's legal check failing, not yours, and it can sink a loan on a property you have already paid an advance on.
- Undisclosed existing loans. The credit report shows them anyway. Declaring them upfront is faster than being asked about them later.
Common questions
Do I need physical copies of documents?expand_more
Increasingly no. Most lenders now accept digital copies, and bank statements can often be shared directly through netbanking rather than as printed statements. Original property documents are still required at the sanction and disbursement stage.
What property documents does the bank need?expand_more
Typically the sale agreement or allotment letter, the title deed chain, the approved building plan, the occupancy or completion certificate for ready property, the RERA registration for under-construction projects, latest property tax receipts and the encumbrance certificate. The bank runs its own legal and technical check on these.
How long does sanction take?expand_more
With a complete document set, an in-principle sanction can come within a few days. The property legal and technical check usually adds one to two weeks. Missing or inconsistent income documents are the most common cause of delay.
What if I have changed jobs recently?expand_more
Most lenders want six months in the current job and two to three years of total work history. A recent switch is not disqualifying, particularly within the same industry, but expect to provide the offer letter, relieving letter from the previous employer, and possibly a longer salary history.
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More on home loans
- Home loans in Bangalore
Eligibility, LTV limits and the full cost picture.
- Eligibility calculator
What loan size your income actually supports.
- Documents required
Checklists for salaried, self-employed and NRI.
- EMI calculator
Monthly outgo and total interest over the tenure.
- Stamp duty calculator
Registration cost, which no loan covers.
- Project reviews
Unbiased reviews of Bangalore projects.
PropVision is not a lender and does not charge buyers brokerage. Everything here is general information, not financial advice. Eligibility, interest rates, fees and sanction are decided by the lender on your individual profile. Verify current terms with the bank before you commit.