Introduction
One of the most common reasons for delays in home loan approval is incomplete paperwork. Every bank requires a standard set of documents to verify your identity, income, and property details before sanctioning a loan.
Here’s a complete checklist of documents you should keep ready when applying for a home loan.
1. Identity Proof (KYC Documents)
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Aadhaar Card / PAN Card
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Passport / Voter ID / Driving License
2. Address Proof
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Utility bills (electricity, water, gas)
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Rent agreement
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Passport
3. Income Proof
For Salaried Applicants:
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Last 3–6 months’ salary slips
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Form 16 / Income Tax Returns (last 2 years)
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Bank statements (last 6 months)
For Self-Employed Applicants:
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Income Tax Returns (last 3 years)
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Profit & Loss statement
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Business registration/license documents
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Bank statements (last 12 months)
4. Employment Proof
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Appointment letter or employer certificate
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Business license for self-employed individuals
5. Property Documents
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Sale agreement
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Title deed
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Approved building plan
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Property tax receipts
Pro Tips
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Keep both original and photocopies ready — banks will verify originals but collect photocopies.
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Ensure your PAN and Aadhaar details are updated.
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If applying jointly, all co-applicants must submit these documents.
Conclusion
Having the right documents ready speeds up your home loan approval and avoids unnecessary delays. At Mera Loan Doctor, we assist borrowers in preparing a complete file and connecting with major banks as their trusted DSA partner — ensuring a smooth and hassle-free process.
