What are the Documents Required for Home Loan in 2024?

byjitendra7.singhLast Updated: March 13, 2024
Documents Required for Home Loan in 2023- A Complete Checklist

Purchasing a home is a significant milestone in one’s life. However, deciding on the specific home loan among multiple available options can be a challenging task, filled with complex processes and endless paperwork. As you set yourself to buy your dream home, one important aspect that you simply can’t ignore is to be well prepared with the documents required for a home loan.

Read this blog till the end to get complete details about the documents required for getting a home loan, their importance, and their actual in the process of getting a home loan.

Documents Required for Home Loan Application

Documents Required for a Home Loan Application by Salaried Individuals

Documents Required for a Home Loan Application by Self-Employed Individuals

Property Documents Required Along with Home Loan Application

Documents Required for a Loan Guarantor

Documents Required by NRI Home Loan Applicants

Required Documents for Home Loan (NRIs)

  • Document establishing KYC
  • Salary Certificate from employer
  • Last 3 to 6 months’ salary slips
  • Latest IT Returns
  • Business documents for Self Employed NRIs
  • Copy of Passport with residence visa page
  • Proof of employment by the Government
  • Property documents with cost estimates
  • Attested income documents for Salaried NRIs
  • Bank statements from overseas
  • Last 6 months’ NRO/NRE bank statement
  • Power of Attorney (if applicant is unavailable)

What Happens if You Miss out on an Important Document?

  • Missing an important document can result in loan application dismissal
  • Check with the lender for alternative document submission options
  • Request time to procure missing documents without delaying the loan process
  • File an FIR if documents are missing and provide the report to the lender
  • Keep all required documents handy before applying for a home loan
  • Once verified, your loan is likely to be approved. Apply now and get started!


Getting a home loan involves a lot of paperwork and documentation. By understanding and being ready with the required documents in advance, you can simplify your application process and submit a strong home loan application to potential lenders. However, it’s crucial to note that different lenders may have different requirements, so it’s advisable to consult with the selected financial institution or mortgage broker to ensure compliance with their specific expectations. 


This blog is written to make it easy for readers to understand complicated processes. Some information and screenshots may be outdated as government processes can change anytime without notification. However, we try our best to keep our blogs updated and relevant.


What documents are required to get a home loan?

Home loan applicants must provide personal documents like PAN cards and Aadhaar cards, income-related documents like bank statements, and employment/business-related documents such as salary slips or profit and loss statements. Additionally, property-related documents are also required.

Is home loan exemption in Income tax 2023-2024?

Under Section 24 of the Income Tax Act, individuals can claim a tax deduction of up to Rs. 2,00,000 on the interest payment of a housing loan. This deduction can be claimed if the house construction is completed within 5 years. Otherwise, a deduction of Rs. 30,000 can be claimed.

How can I clear my home loan payments faster?

Make regular pre-payments, such as once a year, to reduce your outstanding principal and repay your home loan faster. This tip is ideal for those who want to avoid carrying a home loan for a longer term.

Do banks take original documents for a home loan?

Since a home loan is a secured loan, the lender keeps the original property documents, such as title documents, throughout the loan tenure.

You May Also Like