Documents Needed for home loan : Ghar kharidne ka sapna dekha? Arre, wah! Lekin curtain ka colour chunne ya balcony mein chai peene ke sapne dekhne se pehle, ek cheez jo sab bana ya bigad sakti hai — woh hai home loan. Aur uske liye chahiye documents needed for home loan.
Sacchi, hum mein se zyada logon ko nahi pata ki paperwork hi asli boss hai yahan. Passport banane jaisa hai, bas thodi zyada mehnat. Par tension mat lo, main is jungle se guzar chuka hoon aur tumhe wahan atakne nahi dunga.
Chalo, shuru karte hain!
Kyun Documents Itne Zaroori Hain (Credit Score Se Bhi Zyada, Almost)
Seedha funda hai: bank aur NBFCs (Non-Banking Financial Companies) loan nahi dete jaise shaadi mein ladoo baantte hain. Unhe proof chahiye — aur dher saara. Documents needed for home loan unka tareeka hai yeh check karne ka ki tum bhagoge nahi ya paise leke gayab nahi ho jaoge.
Agar documents sorted hain, toh aadha kaam ho gaya. Socho jaise club mein entry milna — sahi kapde, sahi ID, aur bouncer zyada pareshan nahi karega.
Core Documents Jo Chahiye Home Loan Ke Liye
- Identity Proof
Tumhe prove karna hai ki tum wahi ho jo bol rahe ho! Inme se koi ek chalega:
- Aadhaar Card
- PAN Card (Pro tip: iske bina game over!)
- Voter ID
- Passport
- Driving License
- Address Proof
EMI ka reminder kahan bhejna hai, yeh toh pata hona chahiye na?
- Utility bills (bijli/paani/gas)
- Ration Card
- Passport
- Aadhaar Card
- Rent agreement (agar kiraye pe rehte ho)
- Income Proof
No income, no loan — simple hisaab.
Agar salaried ho:
- Last 3-6 mahine ki salary slips
- Form 16
- Last 6 mahine ka bank statement Agar self-employed ho:
- Last 2-3 saal ke IT returns
- Balance sheet aur profit-loss statement
- Business registration proof
- Current aur savings account ke bank statements Sach bolun, yahan maine almost haar maan li thi. Paperwork khatam hi nahi hota tha, aur mera CA mera naya BFF ban gaya.
- Employment Proof
- Offer letter
- Appointment letter
- Company ID card
- Employer certificate
Kuch lenders toh HR ko call bhi karte hain verify karne, toh koi jhooth nahi chalega!
- Property Documents
Yahan asli hero aata hai. No property, no property loan!
- Agreement to Sale
- Title Deed
- Approved building plan
- Property tax receipts
- NOC from society/developer Agar property mein koi legal issue ya missing paperwork hai, toh bank tumhare crush se bhi tezi se bhagega jab tum “Let’s talk” bolte ho.
- Passport Size Photographs
Kyunki… banks abhi bhi 90s mein jeete hain shayad. - Loan Application Form (Poora Bhara Hua)
Yeh lamba hai, boring hai, lekin yeh hai tumhare sapno ke ghar ka ticket, toh dheere se, pyaar se bharo.
Bonus: NRI Applicants Ke Liye Documents
Agar tum NRI ho, toh pehle India se namaste! Aur doosra, tumhari list thodi lambi hai:
- Valid visa aur passport
- Work permit
- Employment contract
- Overseas income proof
- Power of Attorney (POA)
Common Mistakes Jo Loan Approval Ko Rok Sakte Hain
- Documents mein name ya address mismatch
- Adhoora paperwork (khaali jagah mat chhodo!)
- Outdated documents (jaise expired ID proof)
- Missing signatures
- Originals ke bajaye scanned copies dena jab originals maange ho
Main bhi yeh sab kar chuka hoon. Delay ka certificate bhi mila.
Pro Tips Ek Smooth Home Loan Process Ke Liye
- Documents ko aise organize karo jaise exam ki taiyaari kar rahe ho. File karo, label karo, pyaar karo.
- Agar income eligibility mein kami hai, toh co-applicant add karo.
- Originals hamesha ready rakho verification ke liye.
- Koi bhi loan ya liability mat chhupao. Bank Sherlock se bhi tez hai, tech ke saath.
- Loan advisor se baat karo (psst… main bhi hoon! 9569958177 pe call karo, ekdum smooth, stress-free experience milega).
Final Thoughts: Paperwork Hai Dard, Par Poora Worth It
Main sach bolunga — documents needed for home loan jama karna koi park mein walk nahi hai. Yeh ek paper trail marathon hai. Par jab yeh khatam hota hai aur tum apni balcony pe chai pee rahe hote ho, toh har signature, har photocopy, har stamp ekdum worth it lagta hai.
Agar tum overwhelmed feel kar rahe ho ya home loan ke jungle mein phas gaye ho, toh yaad rakho — help ek call door hai.
Abhi call karo 9569958177 pe. Chahe documents adhoore hon ya kuch samajh na aa raha ho, hum tumhara kaam ekdum asaan kar denge. Free advice, expert guidance, aur ek smooth loan approval journey — sab kuch milega.
Yeh article pasand aaya? Koi sawaal hai? Niche comment karo ya abhi call karo!
Quick FAQs (Kyunki Kisko Time Hai Sab Padhne Ka?
Q1: Kya bank statements zaroori hain home loan ke liye?
Haan, zyadatar lenders 6 mahine ke bank statements maangte hain.
Q2: Kya income proof ke bina loan mil sakta hai?
Bohot mushkil. Jab tak tum gold pe na baithe ho ya koi solid co-applicant ho.
Q3: Home loan approval mein kitna time lagta hai?
Agar documents perfect hain, toh 5-10 working days.
Q4: Agar husband-wife saath mein apply kar rahe hain, toh dono ko documents dene honge?
Haan, dono ko full KYC aur income proofs dene honge.
Q5: PAN card ke bina apply kar sakte hain?
Nahi, PAN mandatory hai. Iske bina game nahi chalega.
