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Basic Documents required for a Housing loan

  1. Address Proof – Voter ID/Driving License/Passport/Ration Card/Utility Bills like Water, Gas, Telephone, Electricity
  2. Age Proof – Birth Certificate/Bank’s Passbook/Passport/PAN/AADHAAR Card
  3. Income Proof – IT Returns of last 3 years/Salary Slips of last 3 months
  4. Existing Loans – Account Statements/Amortization Schedule/Guarantor Statements
  5. Property Documents – Sale Agreement, Property Plan, Original land tax receipt & possession certificate, Approvals from local authority, Approved copy of building plan, NOC from builder/housing society

Read: Best home loans in India

Eligibility for a Housing loan

  1. Salaried Professionals:
    • Minimum 21 years of age, extending up to the age of 60 years
    • Mandatory credit score of 750 & above
    • Employed for a minimum of 2 years.
  2. Self-Employed Professionals:
    • Minimum 25 years of age, extending up to the age of 65 years
    • Mandatory credit score of 750 & above
    • Possess a minimum of 5 years of experience.

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