Documents Required For HDFC Home Loan: Complete List

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Whether you are salaried or self-employed, knowing the exact documents required for an HDFC home loan is crucial. Follow this home loan documents list for HDFC to streamline your application process and secure your loan efficiently.

Types of Home Loan Documents

There are essentially 4 types of HDFC home loan documents which you need to submit for applicant / all co-applicants along with the completed and signed home loan application form to avail a HDFC Home Loan.

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Identity and KYC

It is mandatory to submit PAN Card or Form 60 (If the customer does not have a PAN Card)

Sr.No.	Officially Valid Documents (OVD) for Identity and Address Proof (Any one of these documents can be submitted)	Identity Proof	Address Proof
1	Passport (valid)	Yes	Yes
2	Driving licence (valid)	Yes	Yes
3	Election / Voter identification card	Yes	Yes
4	Job card issued by NREGA, duly signed by the officer of the State Government	Yes	Yes
5	Letter issued by the National Population Register containing details of name and address	Yes	Yes
6	Proof of possession of Aadhaar Number (voluntarily obtained)	Yes	Yes

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Proof of Income

There are different document requirements for salaried and self employed individuals

For Salaried Individuals

Sr.No.	Document
1	Last 3 months’ Salary Slips
2	Last 6 months’ Bank Statements, showing salary credits
3	Latest Form-16 and IT returns

For Self-Employed Professionals and Non-Professionals

Sr.No.	Document
1	Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA)
2	At least last 2 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA)
3	Last 12 months’ Current A/c Statements of the business entity and Savings Account Statements of the individual

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Property related documents

Here is the list of all the required documents:

For Purchase of a New Home

Sr.No.	Document
1	Copy of the Allotment Letter / Buyer Agreement
2	Receipt/(s) of payment/(s) made to the developer

For Purchase of a Resale Home

Sr.No.	Document
1	Title Deeds including previous chain of the property documents
2	Receipt/(s) of initial payment/(s) made to the seller
3	Copy of the agreement to sell (if already executed)

For Constructing a Home on a N.A. Plot

Sr.No.	Document
1	Title Deeds of the Plot
2	Proof of no encumbrances on the property
3	Copy of the plans, approved by the Local Authorities
4	Construction estimate by an Architect / Civil engineer

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Miscellaneous

Other required documents are:

For Salaried Individuals

Sr.No.	Document
1	Own Contribution Proof
2	Employment Contract / Appointment Letter in case current employment is less than year old
3	Last 6 months’ Bank Statements showing repayment of any ongoing loans
4	Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across.
5	Cheque for processing fee favouring HDFC Bank.

For Self-Employed Professionals and Non-Professionals

Sr.No.	Document
1	Own Contribution Proof
2	Last 6 months’ Bank Statements showing repayment of any ongoing loans
3	Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across.
4	Cheque for processing fee favouring HDFC Bank.
5	Business Profile
6	Latest Form 26 AS
7	List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company
8	Memorandum and Articles of Association of the Company
9	Partnership deed in case of the business entity being a partnership firm
10	Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc.

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Importance of Submitting the Correct HDFC Home Loan Documents

Submitting the correct documents is crucial to expedite the loan approval process. Incomplete or incorrect documentation can lead to delays or rejection of your home loan application.

You should have all the necessary documents ready. This will make your HDFC home loan application process smooth and efficient.

Conclusion

This comprehensive checklist of documents required for an HDFC home loan prepares you well. By following this home loan documents list for HDFC, you can avoid any last-minute hassles and ensure a seamless loan application process. For any further queries, contact Credit Dharma’s team of experts.

Frequently Asked Questions