When applying for a housing loan, the specific documents required can vary slightly based on the lender and the type of loan you’re applying for. However, here is a general list of documents that are commonly required:
- Identity Proof:
- Passport
- Driver’s License
- PAN Card
- Aadhar Card
- Voter ID Card
- Address Proof:
- Passport
- Driver’s License
- Utility bills (electricity, water, gas) not more than 3 months old
- Aadhar Card
- Voter ID Card
- Income Proof:
- Salary slips for the last 3-6 months (depending on the lender)
- Form 16 (for salaried individuals)
- Income Tax Returns (ITR) for the last 2-3 years
- Bank statements for the last 6 months showing salary credits and other income
- Employment Proof:
- Employment contract or appointment letter
- Employee ID card
- Property Documents:
- Sale deed
- Agreement to sell (in case of under-construction property)
- Khata certificate and extract (for resale properties)
- Proof of possession (for under-construction properties)
- Bank Statements:
- Bank statements for the last 6 months from where the EMIs will be deducted
- Credit History:
- Credit report (this may be obtained by the lender directly)
- Additional Documents (if applicable):
- Power of Attorney (if applicable)
- Receipts of advance payments made towards purchase of property
- Any other documents specified by the lender
It’s important to note that lenders may have specific requirements and may request additional documents based on their internal policies and the loan application. Always check with your lender for the exact list of documents needed to avoid delays in processing your home loan application. If you are looking for an Home Loan Agency in Gurgaon, you can contact us at www.homeloanagents.in. We have tie-up with more than 65 banks and PSU and provide the loan at lowest rate of interest.