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With Tata Capital, you can get a home loan of up to Rs. 5 crores with minimal documentation and simple eligibility criteria. Our home loan documents list includes only some basic documents, such as photo identity proof, age proof, address proof, income proof, and property documents. You can submit the documents required for housing loan online or offline at your convenience.
Although there are some common home loan documents that everyone needs to submit, the exact documents needed for home loan may depend on the applicant’s profile. For example, the documents required for home loan for salaried person may be different from the documents required for home loan for a self-employed person.
When you’re applying for a home loan to purchase a housing property, it is mandatory to submit the necessary housing loan documents. The lender asks for these documents to check your home loan eligibility and ensure that you’re a genuine borrower. The home loan documents list that you need to submit may vary from one lending institution to another.
If you fail to submit the documents required for housing loan, the lender may not be able to establish your authenticity, and hence, it may reject your home loan application. That is why it becomes crucial to submit all housing loan documents at the time of applying for a house loan. Once you submit the documents needed for home loan, your lender initiates a verification process. Post successful verification of your documents, it sanctions your home loan amount.
Whether you’re a salaried individual or self-employed, you can avail of a home loan with us by furnishing the required home loan documents list. You can submit the documents needed for housing loan in any of the following ways:
Whether you’re a salaried individual or self-employed, you can avail of a home loan with us by furnishing the required home loan documents list. You can submit the documents needed for housing loan in any of the following ways:
At Tata Capital, we ask only for some basic documents to process home loan applications. Listed below is a list of home loan documents that you should keep at hand:
Age proof (any one) |
Passport, driving license, life insurance policy, birth certificate, PAN card, school leaving certificate |
Identity proof (any one) |
Passport, driving license, PAN card, Aadhaar card, voter’s ID |
Residence address proof (any one) |
Utility bill, bank statements, property registration document, property tax receipt, Aadhaar card, voter’s ID |
Office address proof (any one) |
Employee ID card, appointment letter, letter from employer on an official letterhead |
Income proof for salaried individuals (any one) |
Salary slips for the previous three months, appointment letter, yearly increment letter, certified true copy of Form 16 |
Income proof for self-employed individuals (any one)
|
IT returns for the last two years with supporting documents, business profile on a letterhead, registration certificate for business commencement |
Income proof for NRIs (any one) |
Pay slips for the last six months along with employment stability documents such as appointment letter/previous employment history<> |
Bank statements for salaried individuals (any one) |
Bank statements for the last six months from one’s salary account |
.Bank statements for self-employed individuals (any one) |
Operative current account statement of last six months, bank statements of last six months for CC/OD facilities (if taken) |
Bank statements for NRI applicants (any one) |
Overseas salary account details for the last six months, Indian NRE/NRO account statements for the last six months |
Credit report for NRIs |
NRI applicants should submit a credit report issued from their current country of residence |
Details of existing loan |
Existing loan details should be provided through bank statements or loan statements
|
Processing fee cheque |
To be issued from the salary account for salaried customers and business account for self-employed customers |
Here are some key advantages of taking a Home Loan from Tata Capital:
You can include your spouse, parents, children, or siblings as co-applicants for your home loan. For joint home loan applications, we consider the income of all co-applicants while determining your housing loan eligibility.
Apart from allowing you to purchase the house of your dreams without having to worry about finances, a home loan lets you avail of certain income tax benefits and insurance benefits.
Home loan eligibility criteria may vary from lender to lender. At Tata Capital, we provide high-value housing loans with simple eligibility criteria. Click here to learn about our home loan eligibility in detail.
At Tata Capital, the minimum monthly salary required for a home loan is Rs 30,000. Apart from this, you should have at least two years of work experience in your current company. A decent income, steady employment status, and good credit score improve your home loan eligibility.
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