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  • Documents Required for Home Loan HDFC

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  • 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
    Apply for Home Loan Online

    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

      

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