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 ➡ Aa...