Documents Required For Home Loan

There are different types of home loan options are available in the market. Banks offer a variety of home loan schemes but the eligibility criteria and documents are majorly standard.

This article will talk about the various documents required for home loans.

List of Documents for Home Loan

The list of documents required for housing loan can be long, but don’t worry. This article will look at documents required for home loan for salaried persons and self employed persons.

Take a look at the list of documents required for home loans -

  1. Aadhaar
  2. PAN
  3. Passport
  4. Voter ID
  5. Driving License
  1. Driving License
  2. Aadhaar
  3. Passport
  4. Voter ID
  5. Recent utility bills

The income documentation for salaried and self-employed applicants is mentioned separately here. 

Let us first look at the documents required for home loan for salaried persons, out of which the applicant can submit ANY 1 -

Here is the list of documents required for housing loan, if the applicant is self-employed -

  1. PAN
  2. Trade license
  3. GST registration certificate
  4. Import export code
  5. SEBI registration certificate, or something similar

Property Documents Required for Home Loan 

If you are searching for a ‘home loan checklist document’, this can help you. Here you will find a list of all the property documents required for home loan - 

Home Loan Documents List PDF

The exact list of documents for home loan may depend entirely on your lender. But the basic documents remain the same across all banks. So, if you were searching for ‘home loan checklist document’, here it is.

You can download this home loan documents list PDF and use it while procuring the documents. 

Why Should You Take a Home Loan?

Owning a house of your own is one of the most coveted dreams for anyone. Even though the procedure of getting a home loan requires a lot of documentation, a home loan is the best option to buy a house. 

They come with a lot of income tax benefits under Sections 24B, 80EE, and 80EEA. Even the government of India runs many schemes for subsidized home loans, making it easier for everyone to own homes. 

In general, home loans are secured loans, have a longer tenure, and are fairly easy to procure. But make sure to calculate your home loan EMI beforehand, so that you are better prepared before taking on this huge financial responsibility. 


Almost all banks and financial institutions have a variety of home loan products to choose from. They cater to a vast pool of customers as well as their specific needs, and you can choose the one that suits you best. 

Having a good CIBIL score can always help you while procuring such a big loan. Thus, it is of utmost importance to start working on improving your CIBIl report ahead in time. 

Home loans allow part-payments during the tenure of a home loan to reduce the burden on the borrower. You can discuss with the bank and know all your options before applying for a home loan. 

In case you are in need of some extra cash flow, or need to fund your deposit, you can opt for moneyview’s instant personal loans. Here, you can get loans from Rs.5,000 to Rs.5 Lakh within 24 hours in most cases. To know more, check out our website, or download the moneyview app now. 

Documents Required For Home Loan - Related FAQs

If your age is 30 years, and you have a salary Rs.30,000, you can expect to get a loan of Rs.20.49 Lakh, provided that you don't have any other financial obligations. Here, we are considering that the rate of interest will be 6.90% and the tenure will be of 30 years. 

No, home loans require basic documents like your identity, address, and income proof. Along with this, the verified property documents play a major role in you getting a home loan.

Home loans are mostly long tenure loans and can extend up to 30 years. They might be short term loans of 5 years if your loan amount is small.

Home loans start at a rate of approximately 6% per annum. 

No, you cannot get 100% of the property price as a home loan. Banks mostly sanction a maximum of 80% of the property price as a home loan. 

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