One of the priorities of life for a person is having his own house and hence it is one of the most important and emotional decisions of one’s life. We understand the importance of buying a home and we do a special research-based approach while borrowing a Home Loan for our clients.
We strive to provide you with the best loan products and information so that you can get off on the right foot when it comes to shopping for your home loan. PMAY subsidy is also available on purchase on new house if a person fulfils the criteria of scheme. There are also income tax benefits in home loan principal and interest repayment amount.
| Sr. No | For Salaried Individuals | Self Employed Individuals having | ||
|---|---|---|---|---|
| Proprietorship Firm | Partnership Firm | Private Limited and Limited Company | ||
| KYC Documents | ||||
| 1 | PAN Card | PAN Card | PAN Card | PAN Card |
| 2 | Aadhar Card | Aadhar Card | Aadhar Card | Aadhar Card |
| 3 | Current resident address proof | Current resident address proof | Current resident address proof | Current resident address proof |
| 4 | Appointment letter | Office Address Proof | Office Address Proof | Office Address Proof |
| 5 | Office ID card | GST Registration Certificate | GST Registration Certificate | GST Registration Certificate |
| 6 | Partnership Deed | MOA and AOA | ||
| 7 | List of partners and shareholding pattern onletter head | List of Directors and shareholding pattern on letter head | ||
| Income Documents | ||||
| 1 | Salary Slip – 6 months | GST Returns – 1 Year | GST Returns – 1 Year | GST Returns – 1 Year |
| 2 | Form 16 - 2 years | Income Tax Returns – 3 years | Income Tax Returns – 3 years | Income Tax Returns – 3 years |
| 3 | Bank Statement – 1 year | Bank Statement – 1 year | Bank Statement – 1 year | Bank Statement – 1 year |
| Additional Documents Generally Required | ||||
| 1 | Existing loan – Sanction letter (if any) | Existing loan – Sanction letter (if any) | Existing loan – Sanction letter (if any) | Existing loan – Sanction letter (if any) |
| Sr. No | Document |
|---|---|
| 1 | Sale Agreement or Sale Deed with Registration Receipt, Stamp Duty, Index II |
| 2 | Chain of Agreement
with Registration Receipt, Stamp Duty, Index II This is required is there are resale transactions |
| 3 | Share Certificate |
| 4 | Occupancy Certificate ( OC ) |
| 5 | Commence Certificate ( CC ) |
| 6 | Approved Building Plans |
| 7 | Building Completion Certificate |
| 8 | Society Registration Certificate |
| 9 | Tax Paid Challan |
| 10 | Society Maintenance Receipt |
| Note: - As there are different properties types like residential, commercial, industrial, etc. Property documents required will always change based on type of property and location at which the property is located. We have just given the general list of property documents. | |
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