Basics3 min read · Updated 17 October 2026
Documents required for a home loan: salaried and self-employed checklist
The documents lenders ask for on a new home loan: ID and address proof, income papers for salaried and self-employed borrowers and the property papers.
For every applicant
- Identity (any one): Aadhaar, passport, driving licence or voter ID. PAN is mandatory.
- Address (any one): Aadhaar, passport, a recent utility bill, or a registered rental agreement.
- Passport-size photographs and the filled application form.
- Processing fee by cheque or online payment, if charged upfront.
If you are salaried
- Salary slips for the last 3 to 6 months.
- Form 16 for the last 1 to 2 financial years.
- Latest income tax return, if you file one.
- Bank statements, usually 6 to 12 months, showing your salary credit.
- An employment or appointment letter, if you have changed jobs recently.
If you are self-employed
- Income tax returns with the computation of income for the last 2 to 3 years.
- Balance sheet and profit and loss statement for the last 2 to 3 years.
- Business and savings account statements for 6 to 12 months.
- Business proof, such as a GST registration, partnership deed or registration certificate.
See self-employed home loans for how lenders read this income.
Property documents
- Sale agreement or allotment letter, and the sale deed for a resale.
- Encumbrance certificate showing the property has no dues or claims.
- The previous chain of ownership documents for a resale property.
- Approved building plan, occupancy or completion certificate where relevant.
- Property tax receipts and a no-objection certificate from the builder or society.
- Receipts for the money you have paid to the builder or seller.
How to avoid delays
- Ask the lender for the exact checklist for your case and the period of statements.
- Make sure names and addresses match across documents.
- Check your credit report first. See your free report.
- For a transfer from another lender, see the balance transfer checklist.
Common questions
Which documents are mandatory for a home loan?
PAN, an ID and address proof, income proof, bank statements and the property documents. The exact list depends on your lender and employment type.
How many months of bank statements do banks ask for?
Generally 6 to 12 months, varying by lender and whether you are salaried or self-employed.
Do I need an income tax return for a salaried home loan?
Lenders usually ask for Form 16 and the latest return if you file one. Check with your lender.
Will the lender check the property papers?
Yes. The lender's lawyer verifies the title and its valuer fixes the value before it sanctions the loan.