Home Loan Process

Home Loan Documents

List of Documents for Salaried Individuals List of Documents required for Self – Employed Businessmen
List of Documents required for Self – Employed Professionals List of Documents required for Non Resident Indians

List of Documents required  for Salaried Individuals for Home loan

Sr No. Document Name
1 KYC Documents
2 Salary slip for the last 3 months / Salary Certificate
(If variable components like Over Time and Incentives are reflected then salary slips for the past 6 months are required)
3 Latest Form – 16 if salary above ` 10000/- per month
4 Copy of all bank pass books / bank statements for the past 6 months including front page
5 Company profile if it is a lesser known organization
Note: Original documents are required for verification purpose only

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List of Documents required for Self – Employed Businessmen for Home loans

Sr No. Document Name
1 KYC Documents
2 Copy of last 3 years Income Tax Returns of the applicant along with computation of income duly attested by a Chartered Accountant
3 Copy of last 3 Years Balance Sheet and Profit & Loss Account of the firm duly attested by a Chartered Accountant
4 Brief Business Profile on the Letter Head of the firm by the applicant
5 Bank Statement for the last 1 year for the Savings A/c & Current A/c
6 Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration
7 Copy of the Partnership Deed (if Applicable)
8 Copy of Tax Deduction certificate / Form – 16A (if applicable)
9 Details of Contract (if applicable)
10 Copy of Advance Tax paid / self assessment tax paid Challan
Note: Original documents are required for verification purpose only

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List of Documents required for Self – Employed Professionals
Sr No. Document Name
1 KYC Documents
2 Copy of last 3 years Income Tax Returns of the applicant along with computation of income duly attested by a Chartered Accountant
3 Copy of last 3 Years Balance Sheet and Profit & Loss Account of the firm duly attested by a Chartered Accountant
4 Brief Business Profile on the Letter Head of the firm by the applicant
5 Bank Statement for the last 1 year for the Savings A/c & Current A/c
6 Copy of either Shop & Establishment License / VAT Registration or any other mandatory license / registration
7 Copy of the Partnership Deed (if Applicable)
8 Copy of Tax Deduction certificate / Form – 16A (if applicable)
9 Details of Contract (if applicable)
10 Copy of Advance Tax paid / self assessment tax paid Challan
11 Copy Educational Qualification Certificate
12 Copy Professional Practice Certificate
13 Salary Certificate (in case of doctors having salaried income)
Note: Original documents are required for verification purpose only

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List of Documents required for NRIs – Home loans

Sr No. Document Name
1 KYC Documents
2 Salary certificate from the employer mentioning name as in passport, date of joining, Passport number, designation and latest salary and perquisites, in English.
3 Salary slips for the last 3 months / Salary certificate (If variable components like overtime & incentives are reflected then six months salary pay slips are required)
4 Latest Income Tax Returns (if applicant files IT returns in India ).
5 For self employed Individuals, documents evidencing currently in business like Trade License, Registered Power of Attorney or agreement with sponsor etc.
6 Passport copy with valid residence visa page.
7 Work Permit/ Labour contract copy / Photocopy of Identity card or any other proof of work / employment issued by concerned Govt. authorities.
8 Property related Documents, detailed cost Estimates from an Architect/ Engineer (from India ).
9 Processing fee cheque drawn on applicant’s bank in India or draft payable at the place where the application will be processed.
10 The income documents for salaried should be attested by embassy official if documentary evidence like bank statement for credit salary or frequent remittance of fund to India is not available.
11 Copy of all overseas bank statements for the last 6 months, if any
12 Copy of NRE / NRO bank statement of the last 6 months
13 Power of Attorney (POA) if applicant is not available in India for signing of documents.
Note: Original documents are required for verification purpose only

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List of Documents needed for KYC compliance
National Housing Bank (NHB) had introduced Know Your Customer (KYC) Guidelines for Housing Finance Companies. We request you to co-operate with us in complying with these guidelines.
1 Photo Id Proof(any one required)

  • PAN Card
  • Passport
  • Voters ID Card
  • Driving License
2 Residence Proof (any one required)

  • Electricity Bill
  • Telephone Bill
  • Ration Card
  • Letter from Employer
  • Bank Statement / Pass book with address

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