Proper documentation is the backbone of a successful home loan application. It helps lenders verify your identity, income, address, and repayment ability. Missing or incorrect documents can delay approval or even lead to loan rejection.

Why Are Home Loan Documents Important?

Common Documents Required for All Applicants

Whether salaried or self-employed, some documents are mandatory for everyone:

• Duly filled and signed home loan application form

• Passport-size photographs

• Identity proof (Aadhaar card, PAN card, Passport, Voter ID, Driving License)

• Address proof (Aadhaar card, Passport, Utility bills, Rent agreement, etc.)

• Bank statements for the last 6 months (for all active accounts)

• Processing fee cheque drawn in favour of the lender

If you’re a salaried applicant, banks and NBFCs typically ask for:

• Salary slips for the last 3–6 months

• Form 16 or Income Tax Returns (ITR) for the past 2–3 years

• Employment certificate from the employer (if applicable)

• Appointment letter or job confirmation letter

• Bank account statements showing salary credit (6 months)

📌 Pro Tip: Ensure your salary is being credited into your account regularly to boost your home loan eligibility.

Home Loan Documents for Salaried Individuals (2025)

Home Loan Documents for Self-Employed Individuals (2025)

For business owners or freelancers, documentation focuses on financial stability and business health:

• Income Tax Returns (ITR) for the last 3 years (with computation)

• Balance Sheet and Profit & Loss Account, audited by a CA

• Business license or registration documents

• GST Registration Certificate (if applicable)

• Proof of business continuity (minimum 3 years)

• Bank statements (business and personal) for the last 6 months

In addition to applicant documents, lenders also require property-related paperwork:

• Agreement to Sell or Allotment Letter (if under construction)

• Title deed and sale deed of the property

• Property tax receipts

• Occupancy certificate or Completion certificate

• No Objection Certificate (NOC) from society or developer

• Encumbrance Certificate (for resale properties)

Property Documents Required for Home Loan

Tips for Hassle-Free Loan Approval

• Keep both original and photocopies of all documents.

• Ensure all papers are updated and valid.

• Double-check for any signature mismatches.

• Share only verified and complete financial records.

Being document-ready is the first step toward owning your dream home. This home loan documents checklist (2025) is your go-to guide to prepare everything in advance and avoid last-minute delays. Whether you're salaried or self-employed, staying prepared ensures your home loan gets approved faster with minimal complications.

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