What are the documents required for a Home Loan?

Before you lend money to anyone, you always check the credibility and repayment capacity of the borrower. Since money is an asset to help you fulfil your dreams, you use it productively while saving for the future. You pay for the cost of your house by applying for a Home Loan at a bank or financial institution.

You need to submit some proof to the lender and the application form for verification and reference. The documents required for Home Loan are necessary to check your credibility, genuineness, and affordability of the loan value. Though every lender has varied requirements, it is better to keep some standard proofs ready to avoid hassle at the last minute.

Application form

It is given to you by the lender from which you borrow the loan. It includes different fields where you need to mention your name, PAN Card, birth date, age, gender, marital status, employment status, contact details, address, and income details. Mention if you have any liabilities towards other lenders.

Salaried individuals

If you work in a firm and earn a salary, you need to submit the document required for Home Loan to prove the same. Present your passport, driving license, birth certificate, PAN card, and school leaving certificate for age proof. Photo proofs include a copy of your Voter ID, Aadhaar card, and PAN card.

House Loan documents for verifying address include utility bills, bank statements, property registration and tax documents, and ration card. You also need to submit income proofs like recent months’ salary slips, Bank Account statements, appointment letters, increment letters, and Form 16. If you have existing loans, submit the relevant documents with a processing cheque.

Self-employed individuals

The Home Loan required documents for self-employed individuals include age proof, photo identity proof, address proof, business proof, income proof, existing loan details, and processing fee cheque.

Calculate the Home Loan eligibility and arrange the documents according to your income status and employment position. You need to submit a copy of your passport, driving license, birth certificate, PAN card, Aadhaar card, school leaving certificate, and utility bill. The last two years’ Income Tax Returns and registration certificate for business commencement is also necessary.

The Home Loan documents required also includes income proof. If taken, submit last three years’ Profit & Loss (P/L) projection statement, operative current account statement for the last six months,  and last six months’ bank statements of CC/OD facilities.


Use online tools to calculate your eligibility and gain assurance. You find several lenders offering varying schemes. Hence, conduct thorough research to gain knowledge about your affordability and repayment capacity.

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