PERSONAL DOCUMENTS – PRE SANCTION

KYC

• Pan Card Copy
• Aadhaar Copy
• Passport Copy
• Employment Certificate – A one line letter confirming the duration of employment and can be used as a local address proof in case you don’t have any government id proof
• Relationship Proof if Co-Applicant involved
• 3 passport size photos

INCOME

• 3 months’ salary slips
• CTC breakup letter
• Latest 2 years Form 16
• Latest 2 years ITR 
• 6 months bank statement reflecting 6 salary credits
• Experience letter of the previous organization if job changed in last 5 years

LIABILITY, IF ANY

• Existing loan statement

PERSONAL DOCUMENTS – POST SANCTION

• 6 security cheque leaves from your salary account cheque book. In case you do not have them kindly apply for it

PROPERTY DOCUMENTS

BUILDER CASES, DIRECT PURCHASE FROM BUILDER

• Copy of Sale Agreement 
• Cost Breakup
• Builder NOC
• BANK NOC, if applicable
• Receipts of payments made to the builder
• Tri Partite Agreement
• If the property is not approved by the bank/HFC you are considering, then they will ask for a complete set of prior deeds and legal papers along with the sanction plan

RESALE CASES, PURCHASE FROM EXISTING OWNER

• Copy of Sale Agreement 
• Copy of existing Sale Deed in the name of the seller
• Copy of Khatha Certificate & Khatha Extract
• Up to date Encumbrance Certificate
• Latest Tax Paid Receipt
• A set of complete prior deeds and other legal papers
• Sanction Plan by an approved authority like BBMP/BDA/BIAPPA/BMRDA
• Seller’s KYC documents like pan card copy, Aadhaar copy and cancelled cheque leaf

ASSIGNMENT CASES, PURCHASE FROM EXISTING OWNER

• Copy of Sale & Construction Agreement 
• Copy of Assignment Agreement
• Assignor’s KYC documents like pan card copy, Aadhaar copy and cancelled cheque leaf

CONSTRUCTION CASES

• Copy of existing Sale Deed in your name
• Copy of Khatha Certificate & Khatha Extract
• Up to date Encumbrance Certificate
• Latest Tax Paid Receipt
• A set of complete prior deeds and other legal papers
• Sanction Plan by an approved authority like BBMP/BDA/BIAPPA/BMRDA
• Construction Estimate by an engineer/architect

LOAN TRANSFER CASES

• Sanction Letter from the existing Bank/HFC
• List of Original Documents (LOD) issued by the existing Bank/HFC
• Foreclosure Letter/Outstanding Balance Letter issued by the existing Bank/HFC
• Loan Account Statement
• Other Property papers depending upon on any of the above combination