Please note these requirements are for Indian Citizens. NRIs interested in seeking home loan click here.

User Category:

• Salaried Individuals
• Self-Employed/Businessmen

Type of Property:

• If a flat is purchased from the builder
• If the property is being purchased, is in Cooperative Society
• If constructing on own land

User Category:

• Salaried Individuals
  • Latest salary slip and Form 16 A.
  • Income Tax returns for the last 3 years.
  • Photocopy of proof of identity and address (any of the following):
    • Ration card
    • PAN card
    • Telephone or Electricity bills.
  • Declaration of income to be supported by photocopy of investments (to ensure financial stability & repayment ability of the borrower).
  • Photocopy of bank statement for the last six months (duly stamped by the bank).
  • Photographs (as applicable).

• Self-Employed/Businessmen
  • 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 Chartered Accountant.
  • Photocopy of Advance Tax payments (if applicable).
  • Photocopy of Registration Certificate of establishment under Shops and Establishments Act/Factories Act.
  • Photocopy of Registration Certificate for deduction of Profession Tax (if applicable).
  • Bank statements of Current and Saving accounts for the last 6 months (duly stamped by the bank).
  • Photocopy of Certificate of Practice (if applicable).
  • Photocopy of any bank loan (if applicable).
  • Photocopy of proof of identity and address (any of the following):
    • Ration card
    • PAN card
    • Telephone or Electricity bills.
  • Photocopy of LIC policy (if applicable).

Type of Property:

• If a flat is purchased from the builder
  • Original copy of the agreement with the builder. Photocopy to be retained by the loan applicant.
  • 7/12 extract or property registration card of the land under construction.
  • Index II extract of your agreement with the builder.
  • Documents to be facilitated by the builder:
    • Copy of No Objection Certificate 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.
    • Copy of Commencement Certificate granted by Corporation / Nagar Palika.
    • Copy of Building Completion Certificate (if available).
    • The latest receipts of taxes paid.
    • Partnership deed or memorandum of association of the builders firm.

• 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 registration card in the society's name.
  • Copy of No Objection Certificate 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.

• If constructing on own land
  • Original sale deed of land and extract of Index II.
  • 12 extract or property registration card in your name.
  • Copy of No Objection Certificate 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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