Most home loan delays happen not because of eligibility, but because of missing or mismatched documents. Whether you are buying a flat in Jaipur, constructing a house on your plot or taking over an existing loan, keeping these papers ready can save weeks. Exact requirements vary by lender, but this checklist covers what most banks and housing finance companies ask for.
1. KYC documents (all applicants and co-applicants)
- PAN card
- Aadhaar card or other officially valid identity proof
- Address proof — Aadhaar, passport, utility bill or registered rent agreement
- Recent passport-size photographs
- Duly filled and signed application form
2. Income documents — salaried
- Latest salary slips (usually 3 months)
- Form 16 or ITR for the last 2 years
- Salary account bank statements (usually 6 months)
- Employment proof or appointment letter, if recently joined
3. Income documents — self-employed and business owners
- ITRs with computation of income for the last 2–3 years
- Audited or CA-certified balance sheet and profit & loss account
- Business bank statements (usually 6–12 months)
- Business proof — GST registration, Udyam registration, shop establishment licence or partnership deed
4. Property documents
- Sale agreement or allotment letter from the builder
- Title documents and chain of previous sale deeds
- Approved building plan and layout approval from the local authority
- Society or builder NOC, where applicable
- Receipts of payment made towards the property (own contribution)
- For construction: cost estimate by an engineer or architect
5. Existing loans
Statements of any running loans, and a sanction letter and foreclosure statement if you are transferring an existing home loan.
Tips for faster approval
- Check your credit report and correct errors before applying
- Make sure names and dates of birth match across all documents
- Keep both self-attested copies and originals ready for verification
- Ask for the lender’s legal and technical check timelines upfront
Need help with your home loan?
Explore our home loan service and loan against property options, or contact ATTPL Finance. Planning rooftop solar on your new home? Read the PM Surya Ghar subsidy guide by ATTPL Solar.
