Loan Tips

List of papers Required for Home Loan

Compulsory Documents :

  • Photo I card - PAN Card/Voter l-Card/ Driving License/ Passport/ Employer ID
  • Residence Proof - Passport / Telephone Bill/ Electricity Bill/Letter from Employer
  • Repayment Track Record & Latest Outstanding, if any Loan availed
  • Two Passport Size Photographs o Fees Cheque

Employed :

  • Original + Copies of 3 Monthly salary slips
  • Copy of latest PF balance Certificate
  • Copy of latest Form No. 16 & Income Tax Return
  • Bank Statement for last six months for all Bank Accounts
  • If current Employment is less than 3yrs, past employment history

Self Employed / Skilled :

Following income papers for Applicant, Co-applicant and Firms duly certified by a Chartered Accountant:

  • Copy of Income Tax Return for last three years
  • Copy of Computation of Income for last three years
  • Balance Sheet along with schedules for last three years
  • Profit & Loss account for last three years
  • In case of Partnership firm - Latest partnership deed
  • In case of Pvt. Ltd. Co - Memorandum of Associations and Latest Share holding pattern
  • Bank statement of last 12 months of Savings & Current Accounts
  • Business Profile-A note giving information on the nature of Business Profession, Form of Organization, Clients, Suppliers, etc...
  • Copy of GST/CST certificate
  • Proof of Qualification a Membership certificate in case of Professionals all documents being submitted to HDFC are to be self-attested by the applicant. Copy of property papers.