Documents Required for a Home Loan
KYC, income and property documents for salaried, self-employed and NRI borrowers, and for resale, under-construction and self-built homes.
Updated 27 September 2026 · 17 lenders trackedWhat you need to know
Home loan paperwork covers three things: who you are (KYC), whether you can repay (income) and whether the property is legally sound (title and approvals). Property documents take the longest, so start collecting them as soon as you finalise the home.
Personal & income documents
| Document | Details | For |
|---|---|---|
| KYC | PAN; Aadhaar / passport / voter ID / driving licence; address proof; photographs | All |
| Salary proof | Last 3 salary slips, Form 16 for 2 years, 6 months’ salary bank statement, employment letter | Salaried |
| Business proof | ITR with computation for 2 – 3 years, CA-certified P&L and balance sheet, GST returns, Udyam / shop licence, 12 months’ bank statements | Self-employed |
| NRI documents | Passport with visa, overseas employment contract, salary slips, NRE/NRO statements, power of attorney if needed | NRI |
Property documents
| Case | Documents |
|---|---|
| New from builder | Allotment letter, builder–buyer agreement, RERA registration, approved plan, commencement certificate, title documents of land, builder NOC / tripartite agreement, payment receipts |
| Resale | Sale deed chain (usually 13 – 30 years), agreement for sale, encumbrance certificate, society share certificate & NOC, OC, latest tax and utility bills |
| Self-construction | Title deed of plot, approved building plan, cost estimate by engineer/architect, EC |
| Plot purchase | Sale deed chain, layout approval, non-agricultural (NA) conversion where relevant, EC, mutation record |
Frequently asked questions
Is PAN mandatory?
Yes, PAN is required for a home loan and for property registration above the income-tax threshold.
Do I need to give original documents?
Originals of the title deeds are deposited with the lender for the mortgage; for other documents self-attested copies are checked against originals.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.