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Home loans of up to Rs. 7.5 crores
Flexible tenures of up to 30 years
Attractive interest rates starting at 7.75% p.a.
Securing funds for your new home from a bank or financial institution becomes seamless if you know what documents are needed for a home loan. Tata Capital provides you with a comprehensive list of documents for a home loan, including age, address, identity, and income proofs, bank statements, ITRs, and P/L projection statements, so that you are all set to start your home loan application.
| Documents | Salaried | Self-employed professional | Self-employed non professional |
|---|---|---|---|
| Application form with photograph duly signed | Yes | Yes | Yes |
| Identity, address and age proof | Yes | Yes | Yes |
| Bank statements for the last 6 months | Yes | Yes | Yes |
| Salary slips of the last 3 months | Yes | No | No |
| Processing fee cheque | Yes | Yes | Yes |
| Form 16/ Income Tax Returns | Yes | Yes | Yes |
| Proof of Business Existence | No | Yes | Yes |
| Business Profile | No | No | Yes |
| Education qualification certificate and Proof of Business Existence | No | Yes | No |
| Income Tax Returns (ITR) of the last 3 years with computation of income | No | Yes | Yes |
| Last 3 years CA certified/audited Balance Sheets and Profit & Loss Statements | No | Yes | Yes |
Salaried individuals need to submit the following home loan documents:
Application form with photograph duly signed
Proof of identity, address, and age: A copy of any one of the following:
Passport
Driving license
Voter ID
Aadhaar Card
PAN Card
Any other government-issued document specifying your age, name, and address
Income proof:
Salary account statements for the last 12 months
Salary slips of the last 3 months
Form 16/Income Tax Returns
Appointment letter
Yearly increment letter
Existing loan details
Processing fee cheque issued from your salary account
Self-employed persons need to submit the following home loan documents:
A duly filled and signed application form with a photograph
Identity, address, and age proof: A copy of your PAN Card, Voter ID, Aadhaar Card, driving license, passport
Income proof:
A copy of the Profit & Loss (P/L) projection statement for the last 2 years
Operative current account statement for the past 12 months
Bank statements for the last 12 months of CC/OD facilities, if taken
Proof of business existence:
A copy of the last 2 years’ Income Tax Returns (ITR) with computation of income
Your business profile on a letterhead or business registration certificate
A copy of the last 3 years’ CA-certified/audited Balance Sheets and Profit & Loss Statements
Loan agreements or bank statements to show existing loan details
A processing fee cheque issued from your business account
The list of documents needed for a home loan application if you are an NRI is as follows:
Age proof: A copy of your birth certificate, Voter ID, PAN Card, passport, Aadhaar Card, driving license, or school leaving certificate
Photo Identity proof: A copy of any government-issued ID, such as a passport, driving license, Voter ID, PAN Card, or Aadhaar Card
Address proof: A copy of your Voter ID, bank statement mentioning the respective address, utility bill, such as electricity, property tax receipt, or property registration certificate
Employment proof: A copy of your pay slips for the last six months, along with the employment stability documents, such as your appointment letter or previous employment history
Income proof: Overseas salary account details for Indian NRE or NRO account statements for the last 12 months
Credit report: A credit report of your current country of residence, wherever it is applicable as per Tata Capital norms
Existing loan details: Existing loan details through bank statements or loan statements
Processing fee cheque: A processing fee cheque issued from your business or salary account.
You can apply for a home loan online and offline. Here’s the step-by-step process to complete the application and submit the documents required for a home loan:
Step 1: Visit Tata Capital’s official website and navigate to the ‘Home Loan’ page.
Step 2: Click on ‘Apply Now’ and fill out the online application form with your personal and property details.
Step 3: Click on ‘Next’ and upload the required documents.
You can apply for a home loan online and offline. Here’s the step-by-step process to complete the application and submit the documents required for a home loan:
Step 1: Visit the Tata Capital branch near you.
Step 2: Fill out the application form.
Step 3: Submit the form along with the required documents to the branch executive.
The documents required for a home loan can be submitted online. With the advent of the internet and more and more loans being offered online, you can now submit digital copies of your documents. However, you need to upload self-attested copies. At Tata Capital, we offer the option to apply for a home loan online. You can click here to start the application process and submit your documents online.
The loan approval and sanction are done after you submit the documents required for a home loan. The submission of your personal and professional information as well as the documents happens at the time of filling out the application form. After you upload all your documents, our experts inspect the property in question. If everything is as per our terms and conditions, they give you approval on the spot. Post this, the loan is disbursed within 3 to 5 business days.
Here is the list of documents required for a home loan by joint applicants:
Photo identity proof: This includes a copy of your voter ID card, passport, driving license, Aadhaar card, or PAN card
Address proof: This includes a copy of your utility bill, bank statement, property registration documents, property tax receipt, or voter ID card
Income proof: This includes a copy of your bank statements for the last six months, salary slips, etc.
Proof of co-ownership
Property documents
The preferred language for document submission may vary. You can submit documents in the regional language of the state in which the documents were registered or produced. In some cases, you may also have to submit translated copies of the documents required for a home loan. It is best advised to discuss this beforehand with Tata Capital's home loan customer care service.
Failing to submit the necessary documents needed for a home loan can result in delays or even rejection of the loan application. Therefore, make sure to go through the list of documents required for a home loan and submit all of them as per our terms and conditions to ensure a smooth loan approval process.
Yes, the list of documents required for a home loan includes income proof. You need to provide proof of income, such as your bank statements for the last six months, salary slips, ITR, etc. In the case of self-employed individuals, you can submit the last three years’ Profit & Loss (P/L) projection statement, operative current account statement for the previous six months, and bank statements for the last six months of CC/OD facilities (if taken).
You need to submit 2 passport-size photographs with a home loan application.
Yes, you need to submit your existing loan details through bank or loan statements when applying for a home loan.
No, you cannot get a home loan without any documents. Lenders require specific documents to verify your identity, income, and the property in question.
If you have a pre-existing relationship with the lender, you may qualify for a home loan without any documents. However, this depends on the lender's policies and your eligibility.
While Aadhaar is not strictly mandatory, it is highly recommended as it simplifies the KYC process and can expedite loan approval.
For a home loan balance transfer, you typically need the following documents:
To avail of a housing loan without ITR, you may need the following documents:
To reduce housing loan EMIs, you can submit documents that demonstrate your ability to repay the loan and your financial stability, such as:
Yes, transferring an existing home loan from one bank/NBFC to another is possible. Submit a letter to your existing bank requesting the transfer of the home loan, title deeds, and other related documents to another lender. Once the transfer is completed, get a No Objection Certificate (NOC) from your current lender.
Credit scores range between 300 and 900, with a score above 750 considered excellent for applying for a home loan. Some lenders may grant a loan with a credit score above 700. However, you will need to fulfill other eligibility criteria as well and submit the appropriate documents requested by the lender.
Prepayment charges vary from one lender to another. Tata Capital does not levy any prepayment charges if you repay your loan using your own money before the tenure ends. However, if you use someone else’s money, you are liable to pay a nominal prepayment charge.
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