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Documents Required for Home Loan

Ruloans in collaboration with India's Leading Banks and NBFCs offers you a range of Home Loans at attractive interest rates, flexible tenures, and easily affordable EMIs so that you can at last acquire a home that you envision without excessive debt burden.

Documents required for a Home Loan application are more or less the same, but may differ based on your Home Loan plan, the purpose of your loan, your individual credit profile, etc.

List of Documents Required for Home Loan

Identity Proof

  • Aadhaar Card
  • PAN
  • Voter ID
  • Passport
  • Driving License

Age Proof

  • Any of the above Identity Proof with Permanent Address
  • Birth Certificate
  • Bank Passbook

Residence or Address Proof

  • Electricity Bill
  • Telephone Bill
  • Post-Paid Mobile Phone Bill
  • Water Tax Receipt
  • Property Tax Receipt
  • LIC Policy Receipt
  • Recognized Public Authority Verification Letter

Property Documents

  • Sale Deed
  • Stamped Agreement of Sale
  • Allotment Letter
  • No Objection Certificate or NOC
  • Housing Society
  • Builder
  • Possession Certificate
  • Land Tax Receipt
  • Construction Cost Estimate
  • Bank Account Statement of Payment Made to Seller or Builder
  • Payment Receipt of Payment Made to Seller or Builder
  • Incase of resale property share certificate is required
  • Occupancy Certificate
Additional Documents

Additional Documents Required for Salaried and Self-Employed Individuals

  • Form 16
  • Employee Identity Card
  • Employer's Certified Letter
  • Increment or Promotion letter
  • 3 Months Salary Slip
  • 6 Month Bank Account Statement
  • Duration of Employment Evidence
    • Appointment Letter
    • Confirmation Letter
    • Promotion Letter
    • Increment Letter
  • 3 Years IT Returns
  • Proof of Business
    • PAN
    • GST Registration Certificate
    • Trade License
    • Partnership Deed
    • Article of Association
    • Memorandum of Association
    • Import Export Code
    • SEBI Registration Certificate
    • ROC Registration Certificate
  • Financial Statement Audited by CA
    • Profit & Loss Account Statement
    • Balance Sheet
  • 6 Months Bank Account Statement
  • 3 years Income Tax Returns
  • Professional Practice License for Doctors, Consultants, etc
  • Registration Certificate of Establishment for Shops, Factories, and Other Establishments
  • Business Address Proof
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