Documents Required for Home Loan

• Last 3 Year Income Tax return along with Profit & loss a/c , computation of income, and balance sheet certified by C.A of Individual & Company
• Audit report for last 3 years( If applicable)
• Last 6 month Bank Statement (Saving & Current a/c) (Till Date) in Original of Individual & Company
• Advance tax challans copy( Sale Tax, Income tax, VAT)
• Company profile on Company letterhead with client list( If applicable)
• Residence Proof & Office Address proof (electricity bill, phone bill, letter from employer, original bank statement, passport copy).
• Age/DOB Proof, Photo ID Proof (Passport, , Pan Card etc).
• One Photograph each of Applicant & Co-applicant (passport size).
• Processing fee cheque of Rs (0.5% + service tax) in favour of HDFC Ltd from your salary account
• Loan details if any loan running at present of Individual & Company (sanction letter copy or track record ).
• Copy Of Qualification Certificate
• MOA of the company( In case of Pvt. Ltd company)
• Shareholding Pattern on company letterhead.( In case of Pvt. Ltd company)
• List of director attested by C.A
• Form 26AS for AY 15-16, 16-17, 17-18 of Individual & Company

• Last 3 Years ITR + Computation of Income + Balance Sheet + P&L Account + Schedules, duly certified by CA, of the Company.
  • Provisional Balance Sheet & P&L Account with advance tax challan or 26AS or Form-16A for the Latest Year if not filed.
  • Audit report of last 3 year (If audited).
• Bank Statement for latest 6 months of all Current Accounts of Company & of all Savings Account of Individual.
• Company Profile with Major Client List on Company's Letterhead.
• Details of all the obligations running
• In case of any loan Emi going from any of your other bank, then copy of bank statement for latest 12 month. Along with a sanction letter (of that loan) or latest track record.
• Date of Birth Proof of all the applicants (PAN CARD).
• Current Residence of all applicant & Office address proof.
• One Photograph of all the applicants.
• Admn. Fees cheque from saving a/c: (0.5% of the Loan Amount+Rs 500/) of Service tax or Rs11970/ whichever is lower in favour of HDFC Ltd.
• 10. Application form duly filled and signed by all the applicants.
• Last Higher qualification certificate copy.
• Legal fee in case of resale property of Rs 4000/ at the time of transaction.

• Dully filled & signed application NRI loan application form.
• One passport size photograph to be affixed on the application form & to be self attested by applicant &/ co-applicant.
• Copy of identify proof of both applicant &/ co-applicant. (Passport, pan card, driving license).
• Copy of residence proof of both Indian and overseas address of applicant&/coapplicant. (Utility bill- electricity/telephone bill, lease agreement, passport, bank statement, letter from employer).
• Copy of visa stamped on the passport. ( last visit details to be highlighted)*
• Copy of employment contract.
• Website address of the employer and contact details of HR Manager
• Copy of last 3 months salary slip/ original salary certificate.
• Bank statement of the overseas bank account for the last 6 months. (salary credits & rent paid to be highlighted)
• Bank Statement of the NRE/NRO account for the last 6 months.( in India)
• Profile of the applicant&/coapplicant and qualification proofs
• Past occupational history (in case of less than 2 years of work experience or recent change in employment)
• Copy of Latest Income tax return (Form W 2 in US, P60 in UK)
• Details of any other loan availed from any other bank/financial institution in India or overseas.(to be mentioned on the application form)
• Bank statement showing repayment of the loans availed from any other bank/ financial institution for the last 6 months / repayment track record from the bank/ financial institution the loan has been availed from.
• Credit Bureau Report (incase facility not available in the country applicant&/ coapplicant are based at than declaration to be collected mentioning details of any other loans availed)
• Processing fee cheque in favour of “HDFC LTD” from NRE/NRO account.
• Power of attorney details or local contact person’s details to be updated on the application form
• Incase property is selected, copy of property documents are also required. (please provide details such as complete property address, owners & payment made to the builder from own sources )

* Incase customer is permanent resident of the overseas country then permanent resident card will be required.

• Date of birth proof of all applicants.
• Aaddhar Card of all applicants.
• ID proof of all applicants. (Pan Card)
• Residence proof of all applicants.
• Photograph of all applicants duly self attested on the front side.
• Latest 3 months salary slip in original or fly attested by HR/Accounts deptt.(If there is variation in gross salary too then 6 months salary slips) & CTC (if required).
• Latest six month bank statement (Till Date) in which salary is credited (original).
• Latest Form 16 along with ITR (Assesment year 2016-2017 & 2017-18).
• Copy of Appointment Letter/Contract Letter in case of job chnaged within one year along with previous employer’s Form 16.
• In case of any loan EMI going from your any of your other bank, then copy of bank statement for latest six month along with a sanction letter (of that loan) or latest track record.
• Latest Qualification Certificate (Higher professional Certificate).
• Marriage certificate copy in case of wife as applicant (If title change).
• Ration card copy in case of Parent or Sibling as applicant.
• Copy of Property Papers (In case of direct allotment – Payment Receipt, Allotment letter or Booking booklet will do).
  • Porcessing Fee for Rs. 11800/- in favour of “HDFC Limited” loan amount less then 20 lacs processing fee is ( .5% + GST 18% on loan amount).
  • Legal Fee of Rs. 3500/- in case of registered sale and Rs. 2500/- in case of unregistered sale from Secondary market purchase.
  • Possession Letter of Property.
  • An estimate of proposed work from an Architect.
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NOTE : If your ITR of bank account reflects your another bank account then a copy of its statement for latest six month.