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With the increase in home loan deals offered by various banks, almost every individual dreamed of having a house of its own. The rising competition between retail finance companies and the economic liberalization results in easy availability of home loans, however, one needs to meet the set eligibility criteria for applying for home loans. There are various factors depending on which banks or financial institutions get ready to give the amount of loan required by applicants. Some of these include Age, Income, Academic Qualifications, Work Experience, Spouse's income, Number of dependents, Liabilities, Assets, Stability of employment and income, etc.


These days, getting a home loan is quite easier for applicants who can meet the eligibility criteria set by the financial institutes or banks. There are some relevant and legal documents required to get the approval of home loan for which applicant has filled the form. However, the documents required for salaried people and self employed are different.


Here are some of the documents borrower required to submit along with the loan application form. However, the list can slightly vary as per the bank's eligibility criteria.

  • Age Proof
  • Address and Identity proof (PAN Card, passport, voter ID card, ration card, etc.)
  • Last three months salary slips along with salary certificate
  • Last six months bank statement
  • Form 16 or Proof of job continuity for last two years
  • Company profile for employees of a private limited company
  • Business address proof in case of industrialists/ businessmen
  • Sanctioned plan
  • Latest receipt of property tax paid
  • Construction agreement or sale agreement with builder ( in case of purchase of new flat).
  • Receipts of payments already made to builder
  • Title documents and sale agreement in favor of the seller (in case of purchase of old flat or house)
  • Total cost break-up on builder's letterhead (in case of purchase of new flat)