Documents Required for Home Loan HDFC
Individuals who apply for home loans through Indian banks and financial institutions, whether they are salaried employees or self-employed individuals, will have to furnish certain documents which are as follow:
Checklist of Documents Required for HDFC Home Loan
- Address Proof- License/ Registered Rent Agreement/ Electricity Bill (up to 3 months old), Passport
- Employment Appointment Letter - Required if the current employment is less than 1-year- old
- Financial Documents:
- Form 16 for the past two years
- 3 month salary slip
- 6 month bank statement
- Identity Proof- Passport/ Driving License/ Voter ID/ PAN
List of Common HDFC Home Loan Required Documents
- Advance Processing Cheque - A cancelled cheque for validation of bank account
- Bank Statement - Past 6 months' bank statement
- Complete loan application form with one passport size photograph
- Income Proof - salary slip, bank statement and Form 16
- Investment Proof - LIC, mutual funds, property document etc.
- Job Continuity Proof - Appointment letter at employment and validation letter from HR
- Photo Identity Proof - Passport/ Driving License/ Voter ID/ PAN
- Property Documents - Sale deed, Katha, transfer of ownership
- Residence Address Proof - License/ Registered Rent Agreement/ Utility Bill
- Residence Ownership Proof - Sale deed or rental agreement
- Financial Documents -
- For Salaried Individual: 3 month salary slip, Form 16 and bank statement.
- For Self-Employed Individual: IT returns for last 2 years along with computation of income tax for past 2 years certified by a Chartered accountant.
- For Self-Employed Non- Professionals: IT returns for last 3 years along with computation of income tax for past 2 years certified by a Chartered accountant.
HDFC Home Loan Documents Required for Salaried Employees
- Address Proof: Residential Address- Leave and License/ Registered Rent Agreement/ Utility Bill (up to 3 months old), Passport
- Identity Proof: Passport/ Driving License/ Voter ID/ PAN
- Bank loan application form to be filled in with passport sized photographs affixed
- 3 month pay slip
- Income Proof Documents
- Form 16 for the past two years
- Copy of Income Tax PAN
- 6 months bank statement that shows salary from the employer and any EMI paid for outstanding debit.
HDFC Home Loan Documents Required for Self Employed Individuals
- Bank Statement - Past 1 year bank statement
- Business Existence Proof - 3 years old Saral Copy, the Company Registration license, Shop Establishment Act
- Income Proof - Latest 3 years Income Tax Returns including Computation of Income, Profit & Loss Account, Audit Report, Balance Sheet, etc.,
- Office Address Proof - Property Documents, Utility Bill
- Office Ownership Proof - Property Documents, Utility Bill, Maintenance Bill
- Photo Identity Proof - Passport/ Driving License/ Voter ID/ PAN
- Residence Address Proof - License/ Registered Rent Agreement/ Utility Bill
- 1 passport size colour photograph
HDFC Home Loan Documents Required for Agriculturists
- Proof of Identity and Residence: Valid Passport / Voter ID card / Valid Driving License / Aadhaar Card
- Proof of Income: Last 6 months' bank statement / Copies of title documents of agricultural land showing land holding / Copies of title documents of agricultural land showing crops being cultivated
- Other Documents -
- Statement of the loans availed over the past two years, if any
- Bank statements of the past six months showing repayment of any current loans
- Proof of own contribution
- Passport sized photographs of all applicants or co-applicants affixed on the application form and signed across
- Cheque for processing fee favouring the bank
Business Existence Proof - 3 years old Saral Copy,the Company Registration license, Shop Establishment.
FAQs on Documents Required for HDFC Home Loan
- Is PAN card a mandatory document to apply for a HDFC home loan?
Yes, a PAN card is a mandatory document required to apply for a HDFC home loan.
- Will I have to submit an address proof when applying for a HDFC home loan?
Yes, you will have to submit an address proof like a copy of utility bill or Aadhaar card when applying for a HDFC home loan.
- Will I have to submit passport-sized photographs along with my home loan application at HDFC bank?
Yes, recent passport-size photographs are usually required by the bank at the time of home loan application. However, it is advisable to check with the HDFC bank for a detailed list of documents required when submitting the application.
- What property documents are required when applying for an HDFC home loan?
You may be required to submit a copy of buyer agreement, title deed, payment receipts, and allotment letter, when applying for a home loan at HDFC bank. However, you may be requested to submit additional documents based on the bank’s internal policies and your specific application.
- Will I have to submit income proof when applying for a home loan at HDFC Bank?
Yes, you will be required to submit income proof like salary slips, Form 16, ITR, and bank statements, when applying for a home loan at HDFC Bank.
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