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What are the Documents required for Mortgage Loan?


Primarily 3 sets of documents are required for Mortgage Loan. KYC, Income & Property documents.


Primary Documents

Document type What are these Documents? What are the options?
KYC Know Your Customer. (ID, Age, Address & Signature proof) PAN, Passport, Ration Card, Driving License, etc.
Income Documents Documents that tell about your accountable Income Pay Slip, Bank Statement, Form 16 etc.
Property Documents Documents that tell about your Property Sale Agreement, Title Documents, Plan copies, Parents Documents, EC etc.


Documents in detail

We have attempted to simplify the detailed list. We have observed that by mentioning a lengthy list of documents in Home Loans, usually the whole perspective is lost. Therefore the list provided here is a guide for documentation. The executive assigned to you will guide you with your specific loan documents.


Category Type Options
KYC Documents ID Proof PAN (this is highly essential), Passport, Driving License, Voter ID
Address Proof Passport, Ration Card, Gas Bill, Bank Statement
Photo 2 Recent Passport Colour
Income Documents Pay Slip 6 Recent Months
Bank Statement 6 Recent Months, salary credit Bank Statement (plus latest month update)
Form 16 & ITR 2 recent years
Other Documents Work continuity 3 years work proof (relieving letters if needed)
Latest CTC Latest remuneration details on Appraisal / Promotion / Re-location Letter
Company ID Card Front and back
Education Proof Certificate of latest Qualification
Co-Applicant Documents KYC Documents ID Proof, Address Proof, Photo
Relationship Proof Marriage Certificate, Ration Card, Passport
Income Documents (required only if Income is considered) Recent, 6 months Pay Slip and Bank Statement (with latest month update)
Processing Fee 1 cheque as Log In Fee
2nd cheque after Sanction, before disbursement
Amount vary for different banks.
Property Documents Sale Agreement, Title Documents, Plan copies, Parents Documents, EC etc.
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