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List of Documents Required for Home Loan

Explore the home loan offers and documentation details from various lenders. Check the home loan documents required for salaried, self-employed, NRIs and balance transfer applicants. Also explore pre-approved offers from our partner lenders with zero documentation and instant loan disbursal.

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HDFC Bank
Min Loan Amt. 15L
Rate of Interest7.9% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee10,000
Axis Bank
Min Loan Amt. 30L
Rate of Interest8.25% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee14,000
ICICI Bank
Min Loan Amt. 15L
Rate of Interest8% - 9.8%
Tenure uptoUpto 30 Years
Processing Fee10,000
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Documents Required for Availing a Home Loan

Prospective home loan borrowers need to submit a few major documents to their bank or HFC including their ID proof, address proof, passport size photographs, bank statements, salary slips, ITR, form 16, form 26 AS and property documents. Pre-approved applicants are not required to submit any documents to the lender. Note that the document requirement might vary from lender to lender.

Below mentioned is the detailed list of home loan documents required to be submitted during home loan application.

Common Documents-

  • Duly filled application form with passport size photographs.
  • ID Proof- Aadhar card, PAN card, Driving License, Voter ID, Passport
  • Address Proof- Utility bills (electricity bill, gas bill, telephone bill), Rent agreement, Voter ID, Passport, Aadhar card, Voter ID, Driving License, Ration Card)

Home Loan Documents for Salaried-

  • Salary slip for last 3 months (last 1 month salary slip for guarantors)
  • Form 16 and ITR of applicant and guarantor for the last 1 year
  • Bank account statement for last 6 months
  • Employee ID card provided by the employer
  • Appointment letter/Confirmation letter/Promotion letter as proof of employment duration

Home Loan Documents for Self-employed Individuals/Professionals-

  • ITR for the last 2 years
  • Form 26 AS
  • Gomasta License, Registration Certificate, Service Tax Registration
  • Balance sheet with P&L statement and income computation for last 2 years
  • IT assessment/Clearance certificate/TDS Certificate (Form16)/Income Tax Challan/Form 26 AS

In case the applicant is engaged in business through partnership firm/private limited company:

  • PAN card and address proof of the firm or company
  • Current account statement for last 1 year
  • MOA and AOA of company
  • ITR and audited financials of the company/firm for the last 2 years

Property Documents for Home Loan Applicants

  • Title deeds and link documents of the property
  • Sales agreement
  • Encumbrance certificate
  • Commencement certificate (for flat)
  • Completion certificate and Occupancy Certificate (OC) in case of an old flat or house or a ready flat
  • Chain of old agreements for resale flat
  • Latest receipt of the tax paid
  • Allotment letter of Co-operative Society
  • Copy of Lease Deed

Additional Documents for Home Loan Balance Transfer

  • Last 1 year statement of existing loan account
  • Sanction Letter
  • Foreclosure Letter
  • List of documents held by the bank

Home Loan Documents for NRI/PIO/OCI-

  • Duly filled application form with passport size photographs
  • Copy of passport and VISA
  • Address proof of India and abroad- Driving License, Voter ID, Passport, Aadhar card, Ration card, Rent agreement
  • Details of local contact person, such as name, address, relation, contact number
  • Bank statement of NRE savings account for last 6 months
  • Bank statement of overseas account for the last 6 months
  • Credit reports from Overseas Credit Bureau

Common Documentation Mistakes that Might Delay the Home Loan Process

  • Incomplete details in the application form
  • Unclear photographs or documents uploaded
  • Forge Salary Slips
  • False employment details
  • Incomplete property documents
  • Missing income documents

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How Can I Apply for a Home Loan Online?

Get up to 5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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FAQs

The common documents required for availing home loan include:

Applicants need to submit the sanction letter, foreclosure letter and loan account statement for last 1 year alongwith the KYC documents, bank statement, income proof and property documents.

The income proofs submitted by salaried applicants include bank statement for last 6 months, salary slips for past 3 months and ITR and Form 16 for last 1 year.

The income documents required by self-employed applicants include ITR, Form 26 AS and Balance sheet with profit and loss statement alongwith income computation for last 2 years.

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What our customers say

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021

Need to work on customer service

I had applied for a home loan at Paisabazaar. All was good till documentation process came. I had some questions regarding the documents to be submitted so I first called bank and I could not connect to their loan officer. So, I called Paisabazaar and to connect with them I again had to wait too long. They took their sweet time even in resolving my issue. I had expected prompt service from the bank and Paisabazaar and couldn’t get it.

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Vrinda PathakSep 3, 2021

Had excellent experience with Paisabazaar

My experience with Paisabazaar was simply excellent. Their website had detailed information of all banks. Their customer care team also helped me choose the best option. Applying for a home loan with Paisabazaar was smooth and quick. And if there was any problem even after loan application, they were happy to resolve it. I had no problem throughout the loan process.

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Sumit AroaSep 3, 2021

Happy with the service. Thumbs up!

I had applied for home loan at Paisabazaar and my experience was good here. Honestly, I thought I was making a mistake by not applying through bank website but in the end all turned out good. I had no isses during the loan process. Their customer care team is also prompt in resolving the issues.

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Vikram JeetMay 12, 2021
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