Documents
required for Home Loans:-
Please note these requirements are for
Indian Citizens.
Below are the lists of documents required for availing
of home loans for various business and property categories.
-
Salary slip/Form 16 A.
-
A photocopy of the first and last pages of Ration
card or copy of PAN/Telephone/Electricity bills.
-
A photocopy of Investments (FD Certificates, Shares,
any fixed asset etc. or any other documents
supporting the financial background of the borrower.
-
A photocopy of LIC policies with the latest premium
payment receipts (if any).
-
Photographs (as applicable).
-
A photocopy of bank statement for the last six
months.
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Self-Employed/Businessmen |
- A brief introduction of Business/Profession.
- Balance Sheet, Profit and Loss account and statement
of income with Income Tax returns for the last 3 years certified by a CA.
- A photocopy of Advance Tax payments (if applicable).
- A photocopy of Registration Certificate of estatblishment under shops and Establishments Act/Factories Act.
- A photocopy of Registration Certificate for deduction
of Profession Tax (if applicable).
- Bank statements of Current
and Saving accounts for the last 6 months.
- A photocopy of Certificate of Practice(if
applicable).
- A photocopy of any bank loan (if applicable).
- A photocopy of the first and last pages of the Ration
card or a copy of PAN/Telephone/Electricity Bills.
- A photocopy of LIC policy (if applicable).
- A photocopy of investments (FD Certificates, Shares,
any other fixed asset).
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If a flat is purchased from the
builder |
- Original copy of your
agreement with the builder.
- 7/12 extract or property
register card of the land under construction.
- Index II extract of your
agreement with the builder.
- Copy of N.A. permission
for the land from the collector.
- Search and title report
(with the details of documents) for the last 30 years.
- Development agreement
between the owner of land and the builder.
- Copy of order under the
Urban land Ceiling Act.
- Copy of building plans
sanctioned by the competent authority.
- Commencement certificate
granted by Corporation / Nagar Palika.
- Building completion
certificate(if available).
- The latest receipts of
taxes paid.
- Partnership deed or
memorandum of association of the builders firm.
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If the property is being
purchased is in a Cooperative Society
|
- Original share certificate
of the Society.
- Allotment letter from the
society in your name.
- Copy of the lease deed, if
executed .
- Certificate of the
registration of the society.
- Copy of the byelaws of the
society.
- No objection certificate
from the society.
- 7/12 extract or property
register card in the society's name.
- Copy of N.A permission for
the land from the collector.
- Search and title
report(with the details of documents) for the last 30 years.
- Copy of order under the
Urban Land ceiling Act.
- Copy of the building plans
sanctioned by the competent authority.
- Commencement certificate
granted by Corporation / Nagar Palika.
- The latest receipts of
taxes paid.
- Original Agreement to
assign / Deed of assignment.
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If constructing on own land |
- Original sale deed of land
and extract of Index II.
- 7/12 extract or property
register card in your name.
- Copy of N.A. permission
for land from the collector.
- Search and title report
(with the details of documents) for the last 30 years.
- Copy of order under Urban
Land Ceiling Act.
- Copy of the building plans
sanctioned by the competent authority.
- Building permission
granted by Corporation / Nagar Palika.
- The latest receipts of
taxes paid.
- Estimate of cost of
construction certified by the architect.
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