The Essential Home Loan Checklist: Documents You Need to Apply in India

Before applying for a home loan, there are certain property documents, proof of income, and KYC details that you need to provide to the lender. What are the home loan required documents? Let’s find out!

Property Documents You Need for a Home Loan

Whether you are a working professional or a self-employed businessman, lenders need identity and income proof to process the loan.

Some acceptable identity proof documents include Aadhar, Passport, or Driver’s License.

For income proof, you would require Income Tax (IT) returns or Profit & Loss Statements depending on the applicant’s category. Here are some additional documents you need to provide: 

Clear title to the property 

No Objection Certificate from the housing society or builder

Original share certificates for cooperative housing societies and sale agreements for other properties Sanctioned floor plans

Municipal tax receipts along with NOC (No Oustanding Certificate)

Approximate cost of construction

Allotment letter from builder/housing board/society

Permission from appropriate bodies/authorities

Plot purchase application 

Lawyer’s standard report

The bank may request any other document depending on the requirements of their legal team. You can go online and check your home loan eligibility before applying for one. 

Salaried Individuals

In addition to the standard home loan required documents, here are some additional documents that a salaried individual needs to provide:

Original salary certificate from the employer

Last two years’ income tax returns and Form 16

Last three months’ bank statements

Self-Employed Individuals

For self-employed individuals like businessmen and shop owners, the following documents are mandatory:

Last three months’ IT returns or assessment orders 

Income tax challans as proof of payment, including advance tax

Proof of business address like electricity bills or leave and license agreements. The address should match the one provided in the certificate of registration. 


If you are a Non-Resident Indian, then the home loan required documents are as follows:

ID card from an employer

Passport and visa (attested copies)

Current foreign address proof

OCI or Overseas Citizen of India card (self-attested copy)

Completed loan application form with three passport-size photographs

Passport, driving license, or Voter ID card as Proof of Identity

Passport, Aadhar card, driving license, electricity bill, or telephone bill as Proof of Residence

Property-Related Documents:

NRIs require the following property documents:

Permission related to construction

Allotment letter or registered agreement for sale (for Maharashtra) or stamped sale agreement Certificate of occupancy

Sanctioned floor plans and deed of conveyance

Proof of payment to the seller or builder in the form of payment receipts or bank statements

Documents Need for Home Loan Application for Resale Flat

Instead of buying an under-construction property, you might go for a resale flat. Here are the home loan required documents for such cases:

Title to the property

Bank NOC or No Objection Certificate

Share certificate for cooperative housing society flats

Possession certificate

Deed of sale

NOC or No Oustanding Certificate from the appropriate authority of the Cooperating housing society or building association

Municipal tax receipts and NOC (No Oustanding certificate)

Certificate of possession

Building approval certificate

Encumbrance certificate

Streamline the application process for a home loan by preparing all necessary documents. 


What Documents Do You Need to Apply for a Home Loan? 

The basic documents that lenders need to sanction a home loan are as under:

ID proof

Address proof

Proof of educational background

Age proof

What Documents Do Salaried Individuals Need to Provide? 

Salaried individuals need to provide the following:

IT returns

salary slip

salary certificate

Form 16

What Documents are Important for Self-Employed Individuals? 

Self-employed applicants need to provide the following: 

Balance Sheet & Profit and Loss statement

Proof of business

IT Returns

Are NRIs eligible for a Home Loan? 

Yes, NRIs are eligible for home loans.


Home Loans can make your dream of owning a home a reality. However, eligibility requirements differ from bank to bank. Compare home loan offers online and choose the lowest home loan interest rate

Make sure you have all the required documents at hand before you apply for a home loan online. Check the eligibility criteria, and get the home loan you need!

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