HDFC Home Loan Documents Required

To apply for HDFC home loans, you must submit a few documents. Following are the HDFC home loan documents that you would need to submit for all applicants/co-applicants:

Checklist of Documents Required for HDFC Home Loan

List of HDFC Home Loan Documents for Salaried Individuals

• Duly filled and signed HDFC Home Loan Application Form.
• Proof of identity – A copy of any one of the proofs of identity such as Aadhaar, PAN, Passport, Voter ID, Driving License, etc.
• Proof of residence – A copy of any one of the proofs of residence such as Aadhaar, Passport, Voter ID, Driving License, etc.
• Proof of income – A copy of the following documents:
  • Last 3 months’ Salary Slips
  • Last 6 months’ Bank Statements, showing salary credits
  • Latest Form-16 and IT returns
• Property related documents –A copy of the following documents:
  • For New Homes:
    • A copy of the Allotment Letter / Buyer Agreement
    • Receipt/(s) of payment/(s) made to the developer
  • For Resale Homes:
    • Title Deeds including the previous chain of the property documents
    • Receipt/(s) of initial payment/(s) made to the seller
    • A copy of the agreement to sell (if already executed)
  • For Construction:
    • Title Deeds of the Plot
    • Proof of no encumbrances on the property
    • A copy of the plans, approved by the Local Authorities
    • Construction estimate by an Architect / Civil engineer
  • Other related documents – A copy or original of the following documents:
    • Own Contribution Proof
    • Employment Contract/Appointment Letter if the current employment is less than a year old
    • Last 6 months’ Bank Statements showing the repayment of current financial liabilities
    • Passport size photo of the applicant and co-applicant (if any) affixed on the HDFC home loan application form and signed by the applicant across.
    • Cheque to pay processing fee favouring HDFC Ltd.

List of HDFC Home Loan Documents for Self-employed Individuals

• Duly filled and signed HDFC Home Loan Application Form.
• Proof of identity – A copy of any one of the proofs of identity such as Aadhaar, PAN, Passport, Voter ID, Driving License, etc.
• Proof of residence – A copy of any one of the proofs of residence such as Aadhaar, Passport, Voter ID, Driving License, etc.
• Proof of income – A copy of the following documents:
  • Income Tax Returns (ITR) along with the calculation of income for the last 3 Assessment Years. These documents are required with respect to both the individual and the business entity. Also, the documents must be attested by a CA.
  • Balance Sheet and Profit & Loss Account Statements of the last 3 years along with Annexures / Schedules. Again, these documents are required with respect to both the individual and the business entity. All documents must be attested by a CA.
  • Last 6 months’ Current Account Statements of the business entity and Savings Account Statements of the individual
• Property related documents –A copy of the following documents:
  • For New Homes:
    • A copy of the Allotment Letter / Buyer Agreement
    • Receipt/(s) of payment/(s) made to the developer
  • For Resale Homes:
    • Title Deeds including the previous chain of the property documents
    • Receipt/(s) of initial payment/(s) made to the seller
    • A copy of the agreement to sell (if already executed)
  • For Construction:
    • Title Deeds of the Plot
    • Proof of no encumbrances on the property
    • A copy of the plans, approved by the Local Authorities
    • Construction estimate by an Architect / Civil engineer
  • Other related documents – A copy or original of the following documents:
    • Own Contribution Proof
    • Business Profile
    • Latest Form 26 AS
    • List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company
    • Memorandum and Articles of Association of the Company
    • Partnership deed if the business is in partnership
    • Details of current loans of the individual and/or the business entity
    • Passport size photo of the applicant and co-applicant (if any) affixed on the HDFC home loan application form and signed by the applicant across
    • Cheque to pay processing fee favouring HDFC Ltd.

List of HDFC Home Loan Documents for Agriculturists

• Signed HDFC Rural Housing Loan Application Form
• Proof of identity –A copy of any one of the proofs of identity such as Aadhaar, PAN, Passport, Voter ID, Driving License, etc.
• Proof of residence –A copy of any one of the proofs of residence such as Aadhaar, Passport, Voter ID, Driving License, etc.
• Proof of income –A copy of the following documents:
  • Title documents of Agricultural Land depicting landholding
  • Title documents of Agricultural Land depicting crops being cultivated
  • Bank statements of past 6 months
• Other related documents – A copy or original of the following documents:
  • Bank statements of last 6 months showing the repayment of any on-going loan(s)
  • Passport size photo of the applicant and co-applicant (if any) affixed on the HDFC home loan application form and signed by the applicant across.
  • Cheque to pay processing fee favouring HDFC Ltd.
  • Own contribution proof
  • Statement of the last 2 years of loans availed (if any)

List of Documents for HDFC Balance Transfer Loan

• A letter on the letterhead of the existing lender stating the list of property documents held by them
• Latest outstanding balance letter from your existing financial institution on their letterhead
• Photocopy of the property documents (including Own Contribution Proof)

Note: All documents must be self-attested. Besides the list of documents mentioned above, the lender may ask for more or less.