Document List Home Loan in India (works for SBI, HDFC, ICICI, Axis & most banks):

 

🔴 1. Sale Deed / Conveyance Deed

➡ Confirms legal ownership of the seller
➡ Seller name must exactly match ID proofs

🔴 2. Title Deed + Mother Deed

➡ Shows clear title & ownership history
➡ No gaps, disputes, or unknown transfers

🔴 3. Encumbrance Certificate (EC)

➡ Confirms NO loan, mortgage, court case, or lien
➡ Mandatory for bank loan approval

🔴 4. Society Share Certificate (Resale Flat)

➡ Proves seller is recognized member of society
➡ Flat number & seller name must match

🔴 5. Occupancy Certificate (OC)

➡ Confirms building is legal & fit to stay
➡ Without OC = high risk (loan + resale issues)

🔴 6. Property Tax & Maintenance Receipts

➡ Ensure NO pending government or society dues

🔴 7. Seller Loan NOC (If Any Loan Taken)

➡ Mandatory if seller had home loan earlier
➡ Must be original & bank-issued

🔴 8. Society NOC

➡ Confirms society allows transfer of flat
➡ Required for registration

🔴 9. Seller Identity Proof

➡ Aadhaar + PAN
➡ PAN mandatory for registration & tax compliance

🔴 10. RERA Registration (If Builder Flat)

➡ Project must be registered on MahaRERA
➡ Verify flat number, carpet area, approvals

⚠️ Golden Rule (Very Important)

❌ Never pay token or advance
✔ Until Sale Deed + EC + OC + Society Share Certificate are verified by a lawyer

If you want, I can give you:

  • ✅ 1-page printable checklist (PDF)

  • ✅ How to verify documents online (step-by-step)

  • ✅ Red flags to immediately reject a deal

  • ✅ Resale vs New flat comparison

👤 Applicant Identity & KYC Documents

  • Aadhaar Card

  • PAN Card

  • Passport / Voter ID / Driving License

  • Recent Passport-size Photographs

💼 Income Proof (Salaried)

  • Last 3 months Salary Slips

  • Last 6 months Bank Statement (salary account)

  • Form 16 or ITR (last 1–2 years)

  • Employment ID / Offer Letter

🧾 Income Proof (Self-Employed / Business)

  • ITR (last 2–3 years)

  • CA-certified Balance Sheet & P&L

  • Business Registration Proof (GST / Shop Act)

  • Current Account Statement (6–12 months)

🏠 Property Documents

  • Agreement to Sale / Sale Deed

  • Approved Building Plan

  • Commencement Certificate

  • Occupancy Certificate (for ready flats)

  • Property Tax Receipt

  • Share Certificate (for resale flat)

  • Society NOC

🏗 Builder / Project Approval Documents

  • Builder Profile & Track Record

  • **RERA Registration Certificate

  • Title Clearance / Legal Report (from bank lawyer)

💳 Additional Documents (If Applicable)

  • Existing Loan Statements

  • Loan Closure / NOC (previous loan)

  • Co-applicant documents (spouse/parent)

  • Processing Fee Cheque

✅ Bank Tip (Important)

✔ Keep PAN name & Aadhaar name same
✔ Maintain clean bank statements (no cash bounce)
✔ Ensure property is RERA approved
✔ Banks like State Bank of India, HDFC Bank, ICICI Bank follow similar checklists

If you want, I can help you with:

  • 📄 Home Loan eligibility calculation

  • 🏦 Best bank comparison (interest & EMI)

  • 🧑‍💼 Free home loan agent process

  • 🏠 Document checklist for resale flat specifically

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