• Loan application form.
• 3 photographs passport sized.
• Identify proof
• Residence proof
• Bank Account Statement/Passbook for last 6 months.
• Signature verification by bankers of the applicant.
• Liabilities statement and Personal Assets.
• Property detailed documents
• IT Returns/Assessment Orders copies of the last 3 years.
• Challans as proof of Advance Income Tax payment
• Proof of business address for non-salaried individuals.
• IT returns/Assessment Orders copies of the last 3 years.
• Challans as proof of Advance Income Tax payment.

• Loan application form.
• 3 photographs passport sized.
• Identify proof
• Residence proof
• Bank Account Statement/Passbook for last 6 months.
• Signature verification by bankers of the applicant.
• Liabilities statement and Personal Assets.
• Property detailed documents
• Salary Certificate (original) from employer.
• Form 16/IT Returns for the past 2 financial years.

• Deed of Sale or Sale Agreement or Share Certificate (original) in case of a cooperative society.
• Receipts for taxes paid for Building and Land, certificate of possession, and certified sketch of the location of property from revenue authorities.
• Allotment Letter from Society/Housing Board/Private builder.
• Receipts of advance payments for flat purchase.
• Certificate of Non encumbrance encompassing the last 12 years/30 years.
• Receipt of land tax payment and certificate of possession issued by revenue authorities.
• Permission letter from Appropriate Authority.
• Approved building plan (showing floor plan for flat purchase).
• Original No Objection Certificate issued under the ULC Act, 1976.
• Copy of relative order if agricultural land is being converted.
• No objection certificate (NOC) from Builder/Housing Society.
• Detailed estimate of construction cost.
• Letter from Society/Builder/Housing Board mentioning their bank and account details, for installment remittance.
• Applicable for purchase of land plot, a declaration by loan borrower stipulating the date by which to construct a house.
• Report from lawyer as per standard format.
• Report stating the valuation of property in standard format by an empanelled valuer.
• Post closure of loan, documents required for handover of original Property documents
• Power Of Attorney for collecting original documents of Property.
• In event of demise of the loan borrower:
• Letter requesting handing over of Property documents from Legal Heir/Nominee(s).
• Letter relinquishing the right to Legal Heirs/Nominees for Property documents handover.

Besides the ones mentioned above, the banks have the right to ask for any document they deem necessary to the loan sanctioning and verification process.

• Liabilities Statement and Personal Assets.
• 2 photographs passport sized.
• Identify proof.
• Residence proof.
• Proof of business address.
• Signature identification from present bankers.

• Document establishing KYC.
• Salary Certificate from employer stating in English the name (as per passport), designation, passport number, date of joining, latest salary.
• Last 3 to 6 months’ salary slips reflecting variable components like incentives, overtime, etc.
• Latest IT Returns (for applicants filing IT returns in the country).
• For Self Employed NRIs, business documents like Trade License, Sponsor Agreement, Power of Attorney, etc.
• Copy of Passport showing the page of residence visa.
• Proof of employment by the Government of the residing country like work permit, labour contract, etc.
• Documents related to the Property with cost estimates from an Indian Architect or Engineer.
• For Salaried NRIs, income documents attested by embassy official required if there’s no documented evidence for salary credit or fund remittance to India is available.
• Bank statements copies from overseas of the past 6 months.
• Last 6 months’ NRO/NRE bank statement.
• If applicant is unavailable in the country at the time of signing documents, Power of Attorney needs to be produced by the person acting on their behalf.