AI-Ghar
AI-Ghar
AI-Ghar
Smart · Secure · Intelligent

© 2025 AI-Ghar · All rights reserved

Account Settings

Welcome to AI-Ghar

Sign in to manage your properties and preferences

AI-Ghar v1.0

Home›Home Loan›Documents Checklist

Home Loan Documents Checklist

Prepare all required documents before applying for a home loan. Download and print the checklist. Get bank-specific document variations.

Your Progress

Required documents completed: 0/16

0%

PAN Card

REQUIRED

Permanent Account Number issued by Income Tax Department

Aadhar Card

REQUIRED

Unique identification issued by UIDAI

Passport

International passport (if available)

Driving License

Valid driving license with photo

Salary Slips (Last 6 Months)

REQUIRED

Latest 6 monthly salary slips from your employer

Income Tax Returns (Last 3 Years)

REQUIRED

ITR forms filed with income tax department

Form 16 (Last 2 Years)

REQUIRED

Annual tax withholding certificate from employer

Bank Statements (Last 12 Months)

REQUIRED

Monthly bank statements showing income deposits

Business Returns (Self-Employed)

Last 3 years ITR, balance sheet, P&L statements

Sale Agreement / Purchase Agreement

REQUIRED

Legal agreement between buyer and seller

Property Title Deed

REQUIRED

Original property ownership documents

Site Plan / Approved Layout Plan

REQUIRED

Layout showing property dimensions and location

Property Tax Receipts (Last 2 Years)

REQUIRED

Municipal property tax payment proof

Municipal Clearance Certificate

REQUIRED

Certificate stating no dues with municipality

RERA Approval (For New Properties)

RERA registration for new residential projects

Employment Letter

REQUIRED

Official letter from employer showing job details

Appointment Letter

REQUIRED

Original appointment letter from employer

Relieving Letter (For Job Changes)

Previous employer's relieving letter

Work Permit (For Foreigners)

Valid work visa/permit for foreign nationals

Property Quotation / Rate List

REQUIRED

Developer/seller's quotation mentioning property price

Recent Photographs

REQUIRED

Latest passport-size photographs (4-6)

Affidavit

REQUIRED

Self-attested affidavit regarding loan purpose

Co-Applicant Documents

All documents for co-applicant/spouse

Divorce Decree (If Applicable)

Legal copy of divorce decree

✓ Apply for Home Loan

Bank-Specific Document Variations

SBI
Basic docs + SBI-specific affidavit, Self-certification
HDFC Bank
Basic docs + HDFC income calculator, Co-applicant form
ICICI Bank
Basic docs + Investment details, Additional securities
Axis Bank
Basic docs + Bank statements (updated), Photo ID proof
Kotak Mahindra
Basic docs + Investment proof, Spouse documents

💡 Tip: Contact your bank before applying to get their exact document requirements. Some banks may ask for additional documents based on your profile.

Documents FAQ

Can I submit documents digitally?
Yes, most banks accept digital copies initially. Original documents are required at the time of loan disbursement.
Are certified/notarized copies needed?
For some documents like property papers, yes. Bank will specify which documents need CA/lawyer certification.
What if I have recent job change?
Provide relieving letter from previous employer, appointment letter from current employer, and ITR/salary slips from both.
Do I need all optional documents?
No, but submitting more documents strengthens your application and may help get better rates.
How long to keep document originals?
Keep originals safe for 1-2 months after loan approval. Banks may ask for verification.