There are certain sets of documents that need to be submitted at the time of application. The document sets will vary according to your individual status - either resident or non-resident in India, as also the type of loan that you may want to avail of.

Resident Indians

Salaried individuals

	Salary slip/Form 16 A.
	A photocopy of the first and last pages of Ration card or copy of PAN/Telephone/Electricity bills.
	A photocopy of Investments (FD Certificates, Shares, any fixed asset etc. or any other documents supporting the financial background of the borrower.
	A photocopy of LIC policies with the latest premium payment receipts (if any).
	Photographs (as applicable).
	A photocopy of bank statement for the last six months.

Self-Employed/Businessmen

	A brief introduction of Business/Profession.
	Balance Sheet, Profit and Loss account and statement of income with Income Tax returns for the last 3 years certified by a CA.
	A photocopy of Advance Tax payments (if applicable).
	A photocopy of Registration Certificate of establishment under shops and Establishments Act/Factories Act.
	Photographs (as applicable).
	A photocopy of Registration Certificate for deduction of Profession Tax (if applicable).
	Bank statements of Current and Saving accounts for the last 6 months
	A photocopy of Certificate of Practice (if applicable).
	A photocopy of any bank loan (if applicable).
	A photocopy of the first and last pages of the Ration card or a copy of PAN/Telephone/Electricity Bills.
	A photocopy of LIC policy (if applicable).
	A photocopy of investments (FD Certificates, Shares, any other fixed asset).

If a flat is purchased from the builder

	Original copy of your agreement with the builder.
	7/12 extract or property register card of the land under construction.
	Index II extract of your agreement with the builder.
	Copy of N.A. permission for the land from the collector.
	Search and title report (with the details of documents) for the last 30 years.
	Development agreement between the owner of land and the builder.
	Copy of order under the Urban land Ceiling Act.
	Copy of building plans sanctioned by the competent authority.
	Commencement certificate granted by Corporation / Nagar Palika.
	Building completion certificate (if available).
	The latest receipts of taxes paid.
	Partnership deed or memorandum of association of the builders firm.

If the property is being purchased in a Cooperative Society

	Original share certificate of the Society.
	Allotment letter from the society in your name.
	Copy of the lease deed, if executed.
	Certificate of the registration of the society.
	Copy of the byelaws of the society.
	No objection certificate from the society.
	7/12 extract or property register card in the society's name.
	Copy of N.A permission for the land from the collector.
	Search and title report (with the details of documents) for the last 30 years.
	Copy of order under the Urban Land ceiling Act.
	Copy of the building plans sanctioned by the competent authority.
	Commencement certificate granted by Corporation / Nagar Palika.
	The latest receipts of taxes paid.
	Original Agreement to assign / Deed of assignment.

If constructing on own land

	Original sale deed of land and extract of Index II.
	7/12 extract or property register card in your name.
	Copy of N.A. permission for land from the collector.
	Search and title report (with the details of documents) for the last 30 years.
	Copy of order under Urban Land Ceiling Act.
	Copy of the building plans sanctioned by the competent authority.
	Building permission granted by Corporation / Nagar Palika.
	The latest receipts of taxes paid.
	Estimate of cost of construction certified by the architect.

Partnerships

	Computation of income for the last 2 years certified by a C.A. or P&L and Balance Sheet for the last 2 years certified by a C.A. or Copies of acknowledged IT Returns for the last 2 years.
	Partnership Deed, Letter of Authority, Bank statements for the last 6 months, Proof of office.

Private Limited Companies

	Computation of income for the last 3 years certified by a C.A.
	P&L and Balance Sheet for the last 3 years certified by a C.A.
	Copies of acknowledged IT Returns for the last 3 years.
	Memorandum and Articles of Association.
	Board Resolution.
	Bank statements for the last 6 months.
	Authority letter from all Directors to accompany the application form with photographs of authorized signatories if not specified in the board resolution.
	Proof of office.

Non-resident Indians (NRI's) Documents Required for NRI Home Loans

Employment/residency related documents

	Employment contract (English copy if the contract is not in English, attested by the Embassy/Employer).
	Latest work permit.
	Details of previous employment.
	Identity card issued by current employer.
	Continuous discharge certificate (CDC) - (for applicants employed in the merchant navy).
	Latest salary slip/certificate.
	Overseas Bank Account Statement (four months).
	Pages with visa stamp on the passport.

Property Related Documents

	Allotment letter from the co-operative society/association of apartment owners.
	Receipts for payments made for purchase of the dwelling unit.
	Agreement for sale/sale deed/detailed cost estimate from Architect/ Engineer for property to be purchased/constructed/extended/improved.
	Copy of approved drawings of proposed construction/purchase/ extension.

Additional documents to be submitted by Person of Indian Origin:

	Photocopy of PIO card.
	If the PIO card is not available, photocopies of any of the following documents.
	1) The current passport, with birthplace as ‘INDIA’.
	The Indian passport, if held by the individual earlier.
	2) Board Resolution.
	3) Parents/grandparents Indian passport/birth certificate/marriage certificate substantiating the individuals claim as a person of Indian origin.