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Applying for a home loan with SBI, India’s largest and most trusted bank, is an exciting milestone, but getting the paperwork right is the key to a smooth and hassle-free process. Don’t worry—it’s not as complicated as it seems!
Knowing exactly what home loan documents you need can save you time, reduce stress, and speed up your loan approval. In this guide, we’ll walk you through everything you need to prepare, so you’re ready to take that next big step toward owning your dream home with confidence.
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General Home Loan Documents List SBI for All Applicants
Securing a home loan from SBI involves gathering a variety of documents to meet the bank’s application requirements.
| Category | Documents Required |
|---|---|
| General Documents | 1. Employer Identity Card 2. Loan Application: Completed loan application form 3. Proof of Identity: PAN/ Passport/ Driver’s License/ Voter ID card 4. Proof of Residence/ Address: Recent copy of Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill or copy of Passport/ Driving License/ Aadhar Card |
| Property Papers | 1. Permission for construction 2. Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale 3. Occupancy Certificate (in case of ready to move property) 4. Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt 5. Approved Plan copy & Registered Development Agreement of the builder, Conveyance Deed 6. Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller |
| Account Statement | 1. Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s 2. If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year |
Documents Required for Home Loan SBI As Income Proof
| Category | Documents Required |
|---|---|
| Salaried | 1. Salary Slip or Salary Certificate of last 3 months 2. Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years |
| Self Employed | 1. Business address proof 2. IT returns for last 3 years 3. Balance Sheet & Profit & Loss A/c for last 3 years 4. Business License Details(or equivalent) 5. TDS Certificate (Form 16A, if applicable) 6. Certificate of qualification (for C.A./ Doctor and other professionals) |
Conclusion
Navigating the requirements for securing a home loan from SBI requires a comprehensive understanding of the necessary documents. This guide aims to equip potential borrowers with a clear outline of what SBI expects in the loan application process.
For further assistance and to explore more tailored financial solutions, visit Credit Dharma today. Make your home buying journey smooth and efficient with expert guidance at your side.
Frequently Asked Questions
For identity verification, SBI requires official government-issued IDs such as PAN card, Aadhaar card, Passport, or Driving License.
SBI asks for property documents such as the sale deed, agreement of sale, possession letter, and recent property tax receipt.
Yes, NRIs need to provide documents proving their NRI status, such as a valid visa and work permit, to apply for a home loan with SBI.
Financial documents should be updated if the loan processing extends over several months to ensure all information reflects your current financial status.
Digital copies can be submitted for preliminary review, but original documents are typically required for final verification.
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