Applying for a home loan can feel inviting, but let’s be honest — half the stress comes from not knowing what paperwork is actually demanded. The good news is that the list of documents for home loan in 2025 is more streamlined than ever, thanks to the rearmost banking guidelines.
Whether you’re a first-time buyer or refinancing an being property, having your paperwork ready is the first step to a smooth blessing. In this blog, we’ll walk you through every document, why it matters, and how you can prepare so there are no last-nanosecond surprises.
Why Documents Matter in Home Loan Blessing
Banks and NBFCs don’t just look at your income or credit score. They verify your identity, employment, and property ownership to reduce risks. Missing or incorrect paperwork can slow down approval by weeks—or even cause rejection.
Think of the home loan documents as the evidence that tails your fiscal story. The cleaner your train, the briskly your loan moves from “applied” to “approved.”
Streamlined List of Documents for Home Loan (As Per 2025 Guidelines)
Then’s a breakdown of the documents needed in 2025. Keep in mind, lenders may ask for a many fresh papers depending on your profile, but these are the rudiments:
1. Identity Evidence
- Aadhaar Card
- Passport
- Voter ID
- Driving License
- Visage Card (obligatory for all aspirants)
2. Address Proof
- Mileage Bills (electricity, water, or gas bill not aged than 3 months)
- Aadhaar Card / Passport
- Rent Agreement (if applicable)
- Property Duty Damage
3. Income Documents
For Salaried Individualities
- Rearmost 3–6 months’ payment slips
- Form 16 / Income Duty Returns of last 2 times
- Bank account statements of once 6 months
For Tone-Employed Individualities
- Income Duty Returns of the last 3 times
- Profit & Loss Account and Balance Distance (CA-certified)
- Business License / GST Registration
- Current Account Statements for 12 months
4. Property Documents
- Trade Deed / Agreement to Vend
- Builder-Buyer Agreement (for under-construction property)
- Rearmost Property Duty Damage
- Approved Building Plan
- NOC from Society or Builder (if applicable)
5. Other Key Papers
- Passport-size Photos
- Cheque for Processing Fee
- Guarantor Form (if lender requires)
What’s New in 2025?
Banks have simplified the documents needed for home loan by allowing digital cessions through secure doors. Aadhaar-grounded e-KYC and DigiLocker integration mean you no longer need to carry piles of photocopies.
Some banks now also contend on credit office concurrence forms, which allow them to directly pull your credit history without back-and-forth emails. This saves time and pets up loan sanctioning.
Pro Tips to Speed Up Your Home Loan Blessing
- Keep documents streamlined: Outdated address attestations or expired ID cards can delay verification.
- Match autographs: Insure the hand on your visage, Aadhaar, and bank records are harmonious.
- Digitize everything: Overlook and save all your documents in a single brochure — this makes uploading and sharing easy.
- Pre-check property papers: Always corroborate the builder’s blessings and legal concurrences before you apply.
Common Miscalculations People Make with Home Loan Documents
- Submitting blurred photocopies
- Forgetting co-applicant documents
- Mismatch between income on ITR and payment slips
- Ignoring minor crimes like spelling differences in names
Avoid these, and your loan trip will be important smoother.
FAQs on Home Loan Documents
Q. Can I apply for a home loan without visage card?
No. Visage card is obligatory for all home loan aspirants in India.
Q. Do co-applicants need to submit the same documents?
Yes, every co-applicant must give identity, address, and income evidence.
Q. Is Aadhaar card enough for KYC?
For utmost banks, yes. But they may still ask for an fresh evidence of address.
Q. How long should my bank statements cover?
Generally, 6 months for salaried and 12 months for tone-employed aspirants.
Final Word
Getting your paperwork right is the smartest way to secure quick blessing. By organizing the list of documents for home loan in advance, you’ll save yourself gratuitous detainments and stress.
At MyLoanKart, we help guests not just with paperwork but with the entire process — chancing the right lender, comparing interest rates, and guiding you till disbursement.
Take the first step today and move closer to your dream home. Get in touch moment and let us simplify your home loan trip.
