• ID Proof.

• Address Proof.

• For Salaried:

Last 3 months Bank Statement with Salary slip.

• For Self Employed/Business

Income Proof for last 2 years.

Last 6 months bank Statement.

Office Address Proof.

• ID Proof.

• Address Proof.

• Bank Statement of past six months.

• ITR of 2 years.

• Balance sheet with P and L by certified CA.

• Proof of continuation of Business (ITR/Trade license/GST).

• Proof of Incorporation.

• Neatly signed and filled home loan application form
• Passport-size photographs
• Statements of investments (if any)
• Copy of plan approved for the proposed construction/extension (in case of applying for home loan for extension)
• Cost estimation or valuation report from the bank’s (or finance company’s) panel CA
• Allotment letter of housing board/NOC of the society/builder etc.
• Bank statements and salary slips of last 6 months from application date
• Identity and signature proof – Passport, Pan card, Driving License, Voter ID card, Aadhar card, employee identity card in case of government employees.
• Address Proof – Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/electricity/water/credit card bill or Property tax.
• Age Proof – Voter ID card, Secondary school leaving certificate (class 10), birth certificate, Passport, Aadhar Card, pension payment order or receipt of LIC policy.
• Valuation/cost estimation report from evaluator approved by the NBFC or Bank
• Property papers with OC and CC

Salaried Applicant:

• You must be a permanent employee with either a company or the government.
• You should also be an employee with government or existing company for a minimum period of 3 months.
• A salaried applicant must be over 24 years at least in order to avail a loan against property.
• You should currently be employed with your existing organization.
• You should maintain a good CIBIL score before applying for this loan.

Self-Employed/Business:

• This category is further divided into two:

  Self-Employed Professional: These can be Architects, Doctors, Chartered accountants and many more.

  Self-Employed Non-Professional: They can be Commission agents, Traders, Contractors and many more.

• In order to get a Loan against property transfer without a top up for professional applicants, they must be at least 25 years old and this can be extended to a maximum of 65 years.
• You must be involved in the existing business for few years (this number is defined by bank and will not necessarily be the same).
• You must also be a regular in filing income tax returns regularly.

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