Essential Home Loan Documents for Salaried & Self-Employed
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Required Documents for
Housing Loan
such as age, address, income, employment, income tax, etc. Bear in mind that Home Loan documents for income differ slightly for
salaried and self-employed applicants.
For Salaried Employees
Address proof : Aadhar card, Passport, Driving License, Telephone Bill, Ration Card, Election Card, any other certificate from Statutory Authority
Age Proof : PAN Card, Passport, any other certificate from Statutory Authority
Income Proof: salary slips of last 3 months
For Self-Employed
Address proof – Aadhar card, Passport, Driving License, Telephone Bill, Ration Card, Election Card, any other certificate from Statutory Authority,
Age Proof – PAN Card, Passport, any other certificate from Statutory Authority
Income Proof for business and ITR
Other
Important Documents
documents validate the property’s existence, proof of sale, and other details such as ownership.
For Developer property (Direct Allotment from the Developer)
Allotment letter
Builder buyer agreement
Payment receipt
Permission to mortgage from the respective authority
Regulatory guidelines
For Resale Property
Agreement to sell
All prior deeds from the first allotment of the property
Sale deed/Conveyance deed in favor of the seller
Approved map of the property
Possession certificate and land tax receipt from relevant authorities
Builder or society provided no objection certificate
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Documents Required Related
Frequently Asked Questions
Income proof is one of the most important documents required for home loan. However, PNB Housing has a special home loan product – Unnati, specially designed for individuals who do not have a formal income proof in place. But it is important to note that this type of home loan may come at a higher interest rate.
Yes, property documents are mandatory for a home loan because the loan is given against pledging the property as a collateral. The property should be sound in terms of legal and technical parameters for approval.
