Documents Required For Home Loan in India
- By Web Online CA
- 5 min read
- Updated On 06-March-2026
Documents Required For Home Loan
A home loan is a secured and financial product that is obtained to purchase a property by banks or housing finance companies. Home loans to help you buy or construct your dream home.
KYC Documents for Home Loan:
- Photo Id Proof (Any One Required):
- - Passport
- - PAN card
- - Driving License
- - Voters ID Card
Residence Proof (Any One Required):
- - Electricity Bill
- - Ration Card
- - Telephone Bill
- - Employment Letter
- - Passbook or Bank Statement with address
Property Documents Required for Home Loan:
- - Original documents of property
- - Report from lawyer as per standard format
- - Sale Agreement of property
- - Receipts of advance payments for flat purchase
- - Detailed estimate of construction cost
Note:The banks have the right to ask for any document for the loan sanctioning and verification process.
Documents Required for Loan Guarantor:
- - Liabilities Statement and Personal Assets
- - 2 photographs passport sized
- - Identify proof
- - Residence proof
- - Proof of business address
- - Signature identification
Income Proof documents for home loan:
- Salary slips
- Latest Form-16 and IT returns
- Bank statement
Click here to get Home Loan EMI
Home Loan Eligibility Criteria
Anyone can apply for a home loan, you need to meet the below criteria
- Nationality: Resident Indian
- Age: 21 to 65 years
- Income: A stable and regular income source
- Employement: Salaried employees, self-employed individuals, and business owners are eligible
- Credit Score: A CIBIL score of 750 or above improves your chances of approval
Frequently Asked Questions
You need Identity proof (aadhaar/pan), address proof, income proof (salary slips/itr), bank statements, and property papers such as sale deed and title document.
Yes. Salaried individuals need salary slips, form 16 and bank statements, while self‑employed applicants must submit itr, business proof and financial statements.
Yes. Lenders require sale agreement, title deed, building plan, NOC and tax receipts to verify the property before disbursing the loan.
Yes. Bank statements usually last 6 to12 months are commonly required to verify income and repayment capacity.
Yes. NRIs can apply for home loans but may need additional documents such as overseas bank statements, passport copies and NRI account information.