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 Common HDFC Home Loan Required Documents
- 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.
- Income Proof
- Property Documents
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.
- For New Homes:
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.
- For New Homes:
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)
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.