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Need Finance
Please note these requirements are for Indian Citizens.
- Salaried Individuals
- Self-Employed/Businessmen
- If a flat is purchased from the builder
- If the property is being purchased is in Cooperative Society
- If constructing on own land
Below are the lists of documents required for availing of home loans for various business and property categories. |
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Salaried Individual
- Salary slip/Form 16 A.
- A photocopy of the first and last pages of Ration card or copy of PAN/Telephone/Electricity bills.
- A photocopy of Investments (FD Certificates, Shares, any fixed asset etc. or any other documents supporting the financial background of the borrower.
- A photocopy of LIC policies with the latest premium payment receipts (if any).
- Photographs (as applicable).
- A photocopy of bank statement for the last six months.
Self-Employed/Businessmen
- A brief introduction of Business/Profession.
- Balance Sheet, Profit and Loss Account and Statement of Income with Income Tax returns for the last 3 years certified by a CA.
- A photocopy of Advance Tax payments (if applicable).
- A photocopy of Registration Certificate of establishment under shops and Establishments Act/Factories Act.
- A photocopy of Registration Certificate for deduction of Profession Tax (if applicable).
- Bank statements of Current and Saving accounts for the last 6 months.
- A photocopy of Certificate of Practice (if applicable).
- A photocopy of any Bank Loan (if applicable).
- A photocopy of the first and last pages of the Ration card or a copy of PAN/Telephone/Electricity Bills.
- A photocopy of LIC policy (if applicable).
- A photocopy of investments (FD Certificates, Shares, any other fixed asset).
If a flat is purchased from the builder
- Original Share certificate of the Society.
- Allotment Letter from the society in your name.
- Copy of the lease deed, if executed .
- Certificate of the registration of the society.
- Copy of the by laws of the society.
- No objection certificate from the society.
- 7/12 extract or property register card in the society's name.
- Copy of N.A permission for the land from the collector.
- Search and title report(with the details of documents) for the last 30 years.
- Copy of order under the Urban Land Ceiling Act.
- Copy of the building plans sanctioned by the competent authority.
- Commencement certificate granted by Corporation / Nagar Palika.
- The latest receipts of taxes paid.
- Original Agreement to assign / Deed of assignment.
If the property is being purchased is in a Cooperative Society
- A brief introduction of Business/Profession.
- Balance Sheet, Profit and Loss Account and Statement of Income with Income Tax returns for the last 3 years certified by a CA.
- A photocopy of Advance Tax payments (if applicable).
- A photocopy of Registration Certificate of establishment under shops and Establishments Act/Factories Act.
- A photocopy of Registration Certificate for deduction of Profession Tax (if applicable).
- Bank statements of Current and Saving accounts for the last 6 months.
- A photocopy of Certificate of Practice (if applicable).
- A photocopy of any Bank Loan (if applicable).
- A photocopy of the first and last pages of the Ration card or a copy of PAN/Telephone/Electricity Bills.
- A photocopy of LIC policy (if applicable).
- A photocopy of investments (FD Certificates, Shares, any other fixed asset).
If constructing on own land
- Original sale deed of land and extract of Index II.
- 2. 7/12 extract or property register card in your name.
- Copy of N.A. permission for land from the collector.
- Search and title report (with the details of documents) for the last 30 years.
- Copy of order under Urban Land Ceiling Act.
- Copy of the building plans sanctioned by the competent authority.
- Building permission granted by Corporation / Nagar Palika.
- The latest receipts of taxes paid.
- Estimate of cost of construction certified by the architect.
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