About Home Loan

The ownership of a house is one of the key signs of success among the fast-growing Indian middle class. As the income of the average Indian family increases, there has been a continuous increase in the desire to own a house and this has lead the price of property to reach unmatched highs in recent years. This is true for not just the big cities but also for smaller cities across India. This unbridled price rise has made it near impossible for the common man to purchase their home through just savings. This is among the major reasons for the home loan business to have witnessed unmatched growth in recent years. So much so that prospective home buyers have multiple options to seek a home loan from banks as well as NBFCs.


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Types of Home Loans

Home Purchase Loans:
Land Purchase Loans/Plot Loans:
Home Construction/ Renovation Loans:

A generic list of documents required for a home loan applications as follows:

  • The completely filled and signed home loan application form
  • Recent photographs and investment proof (if any)
  • Proof of identity (photo copies of Voters ID card/ Aadhaar Card / PAN Card /Driving License)
  • Copy of document providing approval of proposed extension/construction plan
  • Additional documents such as municipal/society/builder NOC, allotment letter provided by housing board, etc.
  • Past six months’ salary slips and salary account statements in case of salaried applicant
  • IT Dept. acknowledged copies of documents like Profit and loss statement and sales receipts that have been certified by a Charted Accountant.
  • Salary account bank statement and salary slips for salaried individual
  • In addition to these, you may have to also submit the following documents:
    Acceptable address proof when applying for a home loan also include bank agreement, property tax receipt, Govt issued ID proofs and various utility bills like water, electricity and telephone.

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