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Tata Capital > Blog > Loan for Home > Check Your Eligibility and Documents Required for Home Loan

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Check Your Eligibility and Documents Required for Home Loan

Check Your Eligibility and Documents Required for Home Loan

Whether you are buying a house for the first time or looking to expand your current abode, Tata Capital offers a wide range of home loans to meet your needs. Buying a home is not a short-term investment for just your immediate needs but it is an investment that will continue to give you returns for the rest of your life. Moreover, your home is your safe haven for you and your family. It is the place of utmost comfort and peace, a place where you come back after facing the world. So, you should never settle for a house that you don’t love.

Our housing loans help you make your dream house a reality, at home loan interest rates starting at just 9.25%.

We at Tata Capital, believe in providing home loans with minimal paperwork and flexible home loan EMI plans. You can also use our Home Loan Eligibility Calculator to find out your own eligibility.

To get a home loan, all you have to do is adhere to some of our home loan eligibility requirements.

For salaried individuals

Eligibility

  1. Age requirement

You must be between the age of 24 and 65.

Salary requirement

If you are a salaried individual, you should earn a minimum of Rs. 30,000 per month and must possess two years of work experience.

Documents

  1. Age proof
  1. Photo identity proof
  1. Address proof
  1. Salary slips – For the last three months or appointment letter / yearly increment letter / certified true copy of Form 16
  1. Income proof – Copy of your Salary account bank statements for the last six months
  1. Existing loan details
  1. Processing cheque- To be issued from the salary account for salaried customer

For self-employed individuals

Eligibility

  1. Age requirement

You must be between the age of 24 and 65.

  1. Salary requirement

If you are an entrepreneur, you should have three years of experience in your current field.

Documents

  1. Age proof
  1. Photo identity proof
  1. Address proof
  1. Business proof- Copy of the last two years’ Income Tax Returns / your Business profile on letterhead / Registration certificate for business commencement
  1. Income proof- Copy of the last three years’ Profit & Loss (P/L) Projection Statement / Operative current account statement for the last six months / Bank statements for the last six months of CC/OD facilities, if taken
  1. Existing loan details
  1. Processing fee cheque- To be issued from your business account

For NRIs

Eligibility

  1. Age requirement

You must be between the age of 24 and 65.

  1. Salary requirement

If you are a salaried individual, you should earn a minimum of Rs. 30,000 per month and should have two years of work experience. And if you are an entrepreneur, you should have three years of experience in your current field.

Documents

  1. Age proof
  1. Photo identity proof
  1. Address proof
  1. Salary slips- Copy of your payslips for the last six months along with employment stability list of documents for home loan such as appointment letter/previous employment history
  1. Income proof- Overseas salary account details for Indian NRE/ NRO account statements for the last six months
  1. Credit report- You will have to submit a Credit Report of your current country of residence, wherever it is applicable as per Tata Capital norms.
  1. Existing loan details
  1. Processing fee cheque- To be issued from the salary account for a salaried customer or the business account in case of self-employed.

Home loan documents needed for property verification 

Before a lender approves your application, the property itself goes through a detailed check. As part of this stage, banks ask for a specific home loan documents list to confirm ownership, legality, and compliance. These documents required for housing loan verification help ensure the property is clear of disputes and fits home loan eligibility criteria.

Documents required for home loan property verification typically include:

  • Sale deed / conveyance deed (chain of ownership)
  • Approved building plan and layout
  • Encumbrance certificate
  • Occupancy or completion certificate
  • Property tax receipts
  • Khata / patta or land records (as applicable)

Having this list of documents for home loan ready speeds up verification and avoids delays during sanction.

Conclusion

Understanding your home loan eligibility criteria and keeping your paperwork in order can make the entire borrowing journey smoother and faster. When you are clear about the home loan documents list, including all documents required for home loan and documents needed for housing loan, you reduce delays and avoid last-minute surprises. A well-prepared list of documents for home loan ensures quicker verification and confident decision-making as you move closer to owning your home.

We at Tata Capital believe in making your dreams of owning a house an actual possibility. Get in touch with us today!

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FAQs

What is the basic documents list for home loan in India?

The home loan documents list includes KYC, income proof, bank statements, and property papers. These list of documents for home loan help lenders assess repayment capacity and home loan eligibility criteria.

Which property documents are mandatory for home loan sanction?

 

Mandatory documents required for home loan include sale deed, approved plan, encumbrance certificate, occupancy/completion certificate, and tax receipts. This list of documents for home loan confirms legal ownership.

How do I prove home loan eligibility as a self-employed individual?

 

Self-employed applicants submit ITRs, audited financials, business proof, and bank statements. These documents needed for housing loan help establish income stability and meet home loan eligibility criteria.

Are co-applicants' documents needed for a home loan?

 

Yes. Co-applicants must submit KYC, income proof, and bank statements. Their details form part of the documents required for housing loan and impact overall home loan eligibility criteria.

What are common reasons for home loan document rejection?

 

Incomplete paperwork, inconsistent income details, unclear property titles, or missing approvals often cause rejection. Ensuring a complete home loan documents list reduces delays and improves approval chances.

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