Loan against property document checklist

For owners raising funds against a residential or commercial property they already own. Lenders check your income and, just as closely, the property's title and approvals, so bring what applies to you and your property.

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Biz Corp Solutions · bizcorps.in/checklists/loan-against-property/ · 98233 33124

Tick items off as you collect them. Ticks are not saved or sent anywhere. 21 documents

01KYC (all applicants and co-owners)

PAN and Aadhaar of every applicant and co-owner
Address proof, if different from Aadhaar
Recent passport-size photographs
Constitution documents, if a firm or company is a borrower

02Income documents

Salary slips and Form 16, if salaried
ITRs with financial statements for 3 years, if self-employed
Recent bank statements of all accounts
GST returns, if you run a business

03Title documents

Registered sale deed or agreement in your name
Full chain of previous title documentsLenders run their own title search; 13 to 30 years is common.
7/12 extract, 8A or Property Card, where relevantRevenue records; they support title but do not prove it on their own.

04Approvals and local records

Approved building plan
Occupancy or completion certificate (OC/CC)Buildings without one usually do not qualify.
Latest property tax receiptsFrom TMC, KBMC or the relevant local body.

05Society and leasehold property

Original share certificate, for a society flat
Society NOC for the mortgage
MIDC mortgage permission and tripartite agreement, for MIDC plots
CIDCO permission to transfer and mortgage, for CIDCO leasehold

06Existing loans and takeovers

Statements of any existing loans on the property
List of documents held by your current lender, for a takeover
Outstanding-balance letter from your current lender, for a takeover

Sources

Legal and valuation documents checklist — ICICI Bank
Loan Against Property — Bank of Maharashtra
Home loan to non-salaried (differential offerings) — State Bank of India
Land pre-operations: mortgage permission — MIDC

Last reviewed 5 October 2026.

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