Documents Required for HDFC Ltd Home Loan

• • Duly filled and signed home loan application form.
• • Recent passport-size photographs (with signatures across, for all applicants and co-applicants).

Submit any one of the following for each applicant/co-applicant:

• • PAN Card (mandatory for all applicants; Form 60 for those without PAN)
• • Aadhaar Card
• • Valid Passport
• • Voter ID Card
• • Driving License
• • Job card issued by NREGA or a Letter from the National Population Register

• • Aadhaar Card
• • Passport
• • Voter ID Card
• • Driving License
• • Utility bill (Electricity, Telephone, Water – not older than 3 months)
• • Registered Rent Agreement

• • Birth Certificate
• • Passport
• • PAN Card
• • School certificate (10th marksheet)
• • Aadhaar Card

Where required, proof of the applicant’s signature may be requested.

For Salaried Applicants:

• • Salary slips for the last 3 months
• • Bank account statements for the last 6 months showing salary credits
• • Form 16 or Income Tax Returns for the last financial year
• • Employment contract or appointment letter if current employment is less than a year old

For Self-Employed Professionals/Non-Professionals:

• • Income Tax Returns with computation for the last 3 assessment years
• • Profit & loss statement and balance sheet for the previous 3 years, certified by a CA
• • Bank account statements: Business account (last 6 months) and individual’s savings account
• • Proof of business existence, company registration, GST registration, and business profile
• • Partnership deed, if applicable; MOA/AOA if the company is a business entity

For New Properties:

• • Copy of the Allotment letter / Buyer Agreement
• • Receipts of payments made to the developer

For Resale Properties:

• • Agreement to Sell (duly signed)
• • Title deeds, including the chain of previous property documents
• • Receipts of payment made to the seller

For Home Construction Loans:

• • Original title deed of the plot
• • Copy of plan approved by local authorities
• • No encumbrance proof on the property
• • Construction estimate by an architect or engineer

For All Loans:

• • Latest property tax receipts
• • Approved building plan/layout from civic authorities
• • Occupancy/completion certificate for ready-to-move properties
• • Encumbrance certificate (proving free title)
• • NOC from the builder/housing society, where needed

• • Own Contribution Proof (for margin or down payment)
• • Processing fee cheque payable to “HDFC Ltd.” (typically up to 1% of loan amount)
• • Statements for all existing loans with outstanding balances (if any)
• • Investment proof (LIC policy, FDs, MF, etc.)
• • For NRIs: Passport, visa, work permit, overseas address proof, and NRE/NRO account details
• • For Balance Transfer Applications: Letter from the existing lender listing property documents held, photocopies of property documents, latest outstanding balance letter
• • Countryside Property/Rural Housing Loans: Bank statements (6 months), land ownership documents, cultivation proof, previous loan statements (if any)