TATA CAPITAL HOUSING FINANCE

Documents Required for Home Loan Applications

 

When applying for a home loan, it's essential to provide the necessary documentation to streamline the approval process. Below are the required documents categorized by applicant type: Salaried Persons, Self-Employed Individuals, and NRIs (Non-Resident Indians).

Home Loan for Salaried Person

1. Age Proof

- Copy of Passport

- Driving License

- Life Insurance Policy

- Birth Certificate

- PAN Card

- School Leaving Certificate

2. Photo Identity Proof

- Copy of Voter ID Card

- Passport

- Driving License

- Aadhaar Card

- PAN Card

3. Address Proof

- Copy of Utility Bill

- Bank Statement

- Property Registration Documents

- Property Tax Receipt

- Voter ID Card

4. Income Proof

- Salary Slips for the last three months

- Salary Bank Account Statements for the last 12 months

- Appointment Letter

- Yearly Increment Letter

- Certified true copy of Form 16

5. Existing Loan Details

- Bank Statements or Loan Statements showing existing loans.

6. Processing Fee Cheque

- To be issued from your salary account.

 

Home Loan for Self-Employed Individuals

1. Age Proof

- Copy of Passport

- Driving License

- Life Insurance Policy

- Birth Certificate

- PAN Card

- School Leaving Certificate

2. Photo Identity Proof

- Copy of Voter ID Card

- Passport

- Driving License

- Aadhaar Card

- PAN Card

3. Address Proof

- Copy of Utility Bill

- Bank Statement

- Property Registration Documents

- Property Tax Receipt

- Voter ID Card

4. Business Proof

- Last two years' Income Tax Returns

- Business Profile on letterhead

- Business Registration Certificate

5. Income Proof

- Last two years' Profit & Loss (P&L) Projection Statement

- Operative Current Account Statement for the last twelve months

- Bank Statements for the last twelve months of CC/OD facilities (if applicable).

6. Existing Loan Details

- Bank Statements or Loan Statements showing existing loans.

7. Processing Fee Cheque

- To be issued from your business account.

 

Home Loan for NRIs (Non-Resident Indians)

1. Age Proof

- Copy of Passport

- Driving License

- Life Insurance Policy

- Birth Certificate

- PAN Card

- School Leaving Certificate

2. Photo Identity Proof

- Copy of Voter ID Card

- Passport

- Driving License

- Aadhaar Card

- PAN Card

3. Address Proof

- Copy of Utility Bill

- Bank Statement

- Property Registration Documents

- Property Tax Receipt

- Voter ID Card

4. Employment Proof

- Pay Slips for the last six months

- Employment stability documents (e.g., appointment letter or previous employment history).

5. Income Proof

- Overseas Salary Account details or NRE/NRO account statements for the last twelve months.

1. Credit Report

- Credit Report from current country of residence (applicable as per Tata Capital norms).

7. Existing Loan Details

- Bank Statements or Loan Statements showing existing loans.

8. Processing Fee Cheque

- To be issued from your salary account or business account.

 

Note:

Ensure that all documents are clear, legible, and up to date. It is advisable to keep copies of all submitted documents for your records. If you have any further questions or need assistance with your application, please reach out to our dedicated support team at Venna Consultancy.