Federal Housing Loan Documents Required Eligibility

Documents Required

KYC documents

• Proof of Identity (Passport / Voters ID card/ Driving License/PAN Card) 
• Address Proof (Ration card Tel/ Electricity Bill/ Lease agreement/ Passport/Trade license /Sales Tax certificate) 
• Copy of PAN Card
• Passport size photos of the applicant and / co-obligant - Two copies each.

Proof of Income

Salaried Customer	Self Employed Professionals	Self Employed non- Professionals / Business
Latest Salary certificate/ Last 3 months Salary-slips	Education Qualification Certificate and proof of business existence	Proof of business existence & Business profile
Form 16/Income tax returns  (2 years)	Last 2 years Income tax returns supported by Audited Balance Sheet and P&L
	Last 2 years IT returns supported by tax paid challans
Last 6 months bank statements	Last 12 months bank statements (Self & Business)	Last 12 months bank statements (Self & Business)
Loan application form duly filled and signed, Cheque for Processing Fee

Other documents

• Documents of Title  - ie, Tittle Deed & Prior Deeds
• Encumbrance Certificate (13  Yrs)  From Sub. Registrar Office
• Land Tax Receipt ( Latest)
• Possession Certificate
• Approved Building Plan
• Property Sketch

For Purchase of Ready Built House / Flat

• Agreement of Sale
• Building Tax Receipt (latest)

In the case of flat/villas, following documents are also needed:

• Sale & Construction Agreements (original)
• Letter of Allotment from the Builder
• Tripartite Agreement – Where the flats are under construction & the possession is not immediate

For House Construction / Extension / Repairs & Renovation

• Estimate report from Civil Engineer / Architect
• Permission for Construction from local authorities