SBI Home Loan Documents Required

SBI requires a definite set of documents for smooth and hassle-free processing of home loan. Having the correct documents ready in advance speeds up the application process and reduces the chances of loan rejection. The applicant needs to submit the ID proof, address proof, income proof, property documents, etc. during home loan application. The lender thus evaluates the repayment capacity of the borrower and approves the loan application according to his/her creditworthiness. You can apply for SBI home loan on Paisabazaar app and upload your documents digitally, thereby, saving time and effort.

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How Can I Apply for a Home Loan Online?

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.

Quick Overview of SBI Home Loan Documents

ID proof	PAN card, Aadhar card, driving license, passport, voter ID
Address proof	Aadhar card, voter card, driving license, PAN card, utility bills (telephone bills, electricity bills, gas bill, water bill), passport
Income Proof	For salaried: Salary slip for last 3 months, Copy of Form 16 for last 2 years, ITR copy for last 2 years For Non-salaried: ITR for last 3 years, TDS certificate, Business address proof, balance sheet, P&L statement
Account Statement	Bank statement for last 6 months, loan account statement for last 1 year for previous loans from other lenders
Property Documents	Sales agreement, permission for construction, conveyance deed, occupancy certificate, copy of approved plan, etc.

Identity and Address Verification Documents

In case of KYC compliant KYC account -

No fresh KYC document is required.
In case of address change address proof to be given.
If PAN is not available in the bank record, PAN card needs to be provided.

In case of KYC non-compliant KYC account -

ID proof - PAN, driving license, passport, voter ID

Address proof - Telephone bill, electricity bill, gas bill, passport copy, water bill, Aadhar card, driving license

Income Documents for SBI Home Loan

For Salaried Applicants

Salary slip for last 3 months.
Copy of Form 16 for last 2 years.
Copy of ITR for last 2 financial years acknowledged by IT department.

For Non-salaried Applicants

ITR for last 3 years
Address proof of business
TDS certificate
Balance sheet and P&L statement for last 3 years
Details of business license
Qualification certificate (CA. doctors and other professionals)

Property Documents for SBI Home Loan

Construction permission (wherever applicable)
Registered sales agreement (for Maharashtra only)/allotment letter/sales agreement with a stamp
Copy of approved plan (Xerox of blueprint) and registered development agreement of the builder
Payment receipt or bank account statement reflecting the payments made to the builder or seller
Share certificate (only for Maharashtra), maintenance bill, property tax receipt, electricity bill, etc.
Conveyance deed (for new property)
Occupancy certificate (in case of ready-to-move-in property)

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Additional Documents that Might be Required

Account Statement -

Bank statement for last 6 months of all the bank accounts in the name of the applicant.
The loan account statement for last 1 year of any previous loan from other lenders.

Documents Required for SBI Home Loan Balance Transfer

In addition to the documents required for regular home loans, the balance transfer borrowers need to provide a few additional documents that are mentioned below:

List of original documents submitted to the bank
Sanction letter
Loan account statement for last 1 year
Interim period security

Tips to Prepare Documents for Faster Home Loan Approval

Prospective borrowers can follow the below-mentioned list to prepare documents for faster loan approval:

Get the list of documents from the lender before loan application.
Keep a scanned copy of all the documents ready for online upload.
Check that the details filled in the application form should match your ID proof details.
Rectify your credit report beforehand.
Ensure that the documents you upload are clearly visible.

How Can I Apply for a Home Loan Online?

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

What documents are required for SBI home loan application?

SBI requires documents including the ID proof, address proof, income proof, property documents, account statement, etc. during loan application.

How many months of bank statements are required for SBI home loan?

Bank statement for last 6 months are required for SBI home loan application.

Do self-employed applicants need different documents?

Income documents for self-employed applicants are slightly different as compared to salaried applicants. The documents include ITR for previous 3 years, business address proof, TDS certificate, P&L statement, balance sheet, business license details, qualification certificate for CA, doctors, etc.

Are property documents mandatory for home loan approval?

Yes property documents are mandatory for home loan approval.

Is PAN card mandatory for SBI home loan application?

Yes PAN card is mandatory for SBI home loan application.

Do I need salary slips for SBI home loan application?

Yes, you need salary slips for last 3 months during SBI home loan application.

Can I apply for SBI home loan with minimal documentation?

Yes, existing customers of SBI eligible for pre-approved home loans can apply for SBI home loan with minimal documentation.

What property documents are needed for under-construction homes?

Documents for permission of construction are needed for under-construction homes.

Are documents required for co-applicants in SBI home loan?

Yes, co-applicants are also required to submit the documents during home loan application. Co-applicants add to the eligibility of the primary applicant.

How can I speed up my SBI home loan approval process?

You can speed up your home loan approval process by having correct set of home loan documents ready before loan application. Uploading the documents digitally also speeds up the loan approval process.

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Vandana Punj

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Shamik Ghosh

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SBI Home Loan Documents Required

Find Best Home Loan Offers

How Can I Apply for a Home Loan Online?

Quick Overview of SBI Home Loan Documents