Documents required for HOME LOAN
Check-list of Documents for Home Loan
List of papers / documents
applicable to all applicants:
· Completed loan
application
· 3 passport size
photographs (including those affixed in loan application)
· Proof of
identification: Electoral ID Card / Passport / Driving License / PAN card.
· Proof of
residence: Electoral ID Card / Passport / Electricity Bill / Telephone Bill.
· Proof business
address, in case of non- salaried borrowers
· Statement of bank
account for the last six months
· Signature
identification from present bankers
· Personal Assets
and Liabilities Statements in Bank’s standard format.
· Brief write up of
securities charged in respect of other loans availed from our Bank/other
Banks/ Housing & Auto Finance
Companies /other sources.
For NRI/PIO borrowers:
· Completed loan
application
· passport size
photographs (including those affixed in loan application)
· Copy of passport
including page containing visa stamping
· Copy of valid
work permit.
· Copy of
employment contract ( and English translation duly attested by employer /
consulate / embassy /our foreign
office if it is in any other language )
· Latest salary
certificate in original or proof of income in case of self employed /
professionals.
· Copy of identity
card issued by the employer.
· Proof of
residence (driving license / utility bills etc.)
· Copy of
continuous Discharge Certificate in respect of applicants employed in merchant
navy.
· Brief write up on
employment profile for the last 10 years.
· Brief write up on
the company / institution where employed i.e. its constitution, activity.
Employee base sale / net profit
(approx) etc.
· Statement of
overseas bank account for the last six months which reflect credit of salary,
savings etc.
· Power of
Attorney, if applicable, duly stamped and notarized / attested by Indian
Embassy / Consulate.
For guarantor (wherever applicable):
Ø Personal Assets
and Liability Statement
Ø 2 passport size
photographs
Ø Proof of
identifications as above
Ø Proof of
residence as above
Ø Proof business
address as above.
Ø Signature
identification from his / her present bankers.
Property documents
a) Sale Deed, Agreement of Sale.
Original Share Certificate(s) issued by the society.
b) Land and Building tax paid
receipts, possession certificate, and location sketch of
Property certified by revenue
authorities.
c) Letter of allotment from Housing
Board /Society/ Private builder.
d) Original receipts regarding
advance payments towards purchase of flat.
e) Non encumbrance certificate for
the last 12/30 years.
f) Original of land tax paid receipt
and possession certificate issued by the revenue
Authorities.
g) Copy of permission from
Appropriate Authority and approved building plan (and also
key plan / floor plan in case of
purchase of flats)
h) Original NOC under ULC Act 1976
i) Copy of the relative order in
case of conversion of agricultural land.
j) Original No objection certificate
from Housing Society / Builder
k) Detailed estimate of cost of
construction of House
l) Letter from the Builder / Society
/Housing Board intimating their account number and
Name of their bankers, for
remittance of instalments.
Other documents
a) In case of loan granted for
purchase of plot of land, declaration by the borrower agreeing to
Construct the house within the
stipulated period.
b) Lawyer’s report as per the
standard format (Bank’s of Instructions)
c) Valuation report from empanelled value
as per standard format.
लेबल: Home Loan
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