Saturday, August 25, 2018

What are the various kinds of documents that are required to avail home loan in India? What are the documents a salaried class, self employed, businessman needs to present for home loan in India?

Author: Sachin Gupta | Find me on Twitter

As per the recent report by National Housing Bank titled “Report on trend and progress of housing in India 2012”, the following observations were made.

The urban population of India has been growing at a rapid pace. As per the Census 2011, 31.16 per cent of the total population is in the urban areas. The shortage of housing units for the urban areas for 2012 is estimated at 18.78 million units.

With time, there has been expansion and improvement in the housing finance market by way of various financial reforms; however the housing loans as a percentage of GDP have remained at around 7 percent, significantly lower than the levels achieved in most of the developed countries.

During the financial year 2011-12, housing loan which is disbursed to individuals across India stands at Rs. 68221.12 Crore. Out of which about 71.34% was used by individuals for acquisition/construction of new houses, about 2.63% for repair of existing houses, and about 26.03% was used for purchase of old/existing houses (resale properties). The housing loan availed by individuals across India continue to increase year on year by an average of about 20%. All these numbers suggest that home loan is a key factor when an individual goes out to buy home.

However, before one approaches the bank or housing finance companies for housing loan, he/she needs to have the papers in order. Papers about income proof, bank statements, PAN Card, etc. What are the documents that are required to avail home loan? This is a question many of you are confronted with. And therefore, we have put together a comprehensive list of documents that are required for home loan. Find it below:






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Noida, Delhi, India Noida, Uttar Pradesh, India

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