A home loan involves more paperwork than most other loans because the lender assesses three things: who you are, whether you can repay, and whether the property is sound. Get all three in order and approval is usually smooth.
1. Identity & address proof (KYC)
Required from every applicant and co-applicant:
- PAN card (mandatory)
- Aadhaar card
- Passport, Voter ID or Driving Licence (as additional ID/address proof)
- Recent passport-size photographs
2. Income proof
This is where the requirements differ most by profession.
If you're salaried
- Last 3 months' salary slips
- Form 16 and/or the last 2 years' Income Tax Returns
- Last 6 months' bank statements showing salary credits
- Employment/appointment letter (some lenders ask for this)
If you're self-employed or a business owner
- Last 2–3 years' ITR with income computation
- Audited balance sheet and profit & loss statement
- Business proof — GST registration, Udyam/MSME certificate, or shop & establishment licence
- Last 6–12 months' business and personal bank statements
Tip: Lenders judge repayment capacity largely from your bank statements. Keep income flowing through your accounts and avoid frequent cheque bounces in the months before applying.
3. Property documents
The lender's legal and technical teams verify the property before releasing funds. Typical documents include:
- Sale agreement / sale deed
- Prior title documents (the ownership chain)
- Approved building plan / layout sanction
- For apartments: allotment letter or builder–buyer agreement
- Latest property tax receipts and, where applicable, an encumbrance certificate
4. Other documents you may need
- Processing-fee cheque
- Existing loan statements (if you have other EMIs)
- Proof of own contribution / down payment
Boost your eligibility: Adding a co-applicant (spouse or parent) combines incomes and can qualify you for a larger loan. The co-applicant submits their own KYC and income documents.
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Frequently asked questions
What documents does a salaried person need?
KYC (PAN and Aadhaar), the last 3 months' salary slips, Form 16 or the last 2 years' ITR, and the last 6 months' bank statements showing salary credits — plus the property papers.
What income proof do self-employed applicants need?
Usually the last 2–3 years' ITR with computation, audited financial statements, business proof such as GST registration, and 6–12 months of business and personal bank statements.
Which property documents are required?
Commonly the sale agreement or sale deed, the prior title chain, the approved building plan, and for apartments an allotment letter or builder–buyer agreement. The lender's legal and technical team verifies these before disbursal.
Can I apply with a co-applicant?
Yes. A co-applicant — often a spouse or parent — can increase your eligibility and help you qualify for a larger loan. They submit their own KYC and income documents.
This checklist is general guidance, not financial advice. Exact document requirements vary by lender, property type and applicant profile, and change over time. Please confirm the current list with the lender or our team before applying.