Home loan document checklist (salaried)

For salaried individuals buying a new, under-construction or resale home. Each bank and housing finance company has its own list, so bring what applies to you and your property.

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Tick items off as you collect them. Ticks are not saved or sent anywhere. 24 documents

01KYC (all applicants)

PAN card, or Form 60 if you do not have a PAN
Identity and address proof: Aadhaar, passport, voter ID or driving licence
Recent passport-size photographs
Signed loan application form

02Income and employment

Salary slips for the last 3 months
Form 16 and income tax returns for recent yearsSBI, for example, asks for 2 years.
Bank statements for the last 6 months showing salary credits
Employment letter, if in your current job for under 1 year
Statements of existing loans, if any

03Under-construction flat (from a builder)

Allotment letter from the builder
Registered agreement for saleUnder RERA, a builder cannot take more than 10% of the price without one.
MahaRERA registration number of the project
Builder's demand letter and payment schedule
Builder's approved plan, CC and development agreementOften already with the lender if it has approved the project.

04Ready flat

Occupancy certificate (OC)
Registered agreement for sale or sale deed
Conveyance deed in favour of the society, where executed

05Resale flat

Chain of previous agreements and title documents
Share certificate of the co-operative housing society
Society NOC for the sale and mortgage
Latest maintenance bill, electricity bill and property tax receipt
Agreement to sell, if already signed

06Payments and own contribution

Receipts for payments made to the builder or sellerBank statements showing the payments also help.
Proof of the source of your own contribution

Sources

Home loan documents and charges — HDFC Bank
SBI regular home loan — State Bank of India
Legal and valuation documents checklist — ICICI Bank
The Real Estate (Regulation and Development) Act, 2016 — MahaRERA (Act text)

Last reviewed 5 October 2026.

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Home loan document checklist (salaried)

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