List of Documents for Home Loan – Complete Guide

Planning to buy a home, plot, or flat in Chandigarh? Getting a home loan is the most common option, but before applying you must know the exact list of documents required by banks and NBFCs.

This guide covers all scenarios including:

  • ✅ Buildup Property Loan

  • ✅ Plot Purchase Loan

  • ✅ Flat Purchase Loan

  • ✅ Home Construction Loan

  • ✅ Home Loan Balance Transfer

  • ✅ NRI Home Loan

Having all documents ready can make your loan approval faster, smoother, and hassle-free.

📂 1. General Documents Required for Any Home Loan

These are common across all loan types:

  • ✔️ Identity Proof – Aadhaar Card / Passport / Voter ID / Driving License

  • ✔️ Address Proof – Utility Bill / Aadhaar Card / Passport / Rent Agreement

  • ✔️ Income Proof – Salary Slips (last 3 months), Bank Statement (last 6 months), ITR (2–3 years for self-employed)

  • ✔️ Age Proof – Birth Certificate / Passport / School Certificate

  • ✔️ Property Documents – Sale Agreement, Allotment Letter, Chain of Ownership

🏠 2. Documents for Home Loan on Buildup Property

When you buy a ready-to-move house in Chandigarh:

  • Sale Deed / Agreement to Sale

  • Encumbrance Certificate

  • Occupancy Certificate

  • Latest Property Tax Receipts

🏡 3. Documents for Home Loan on Plot Purchase

When you buy a residential plot in Chandigarh:

  • Plot Sale Deed / Agreement

  • Approved Plot Layout / Map from Municipal Authority

  • Encumbrance Certificate

  • Proof of Ownership Transfer

🏢 4. Documents for Home Loan on Flat Purchase

For flats in Chandigarh housing societies or builders projects:

  • Builder-Buyer Agreement

  • RERA Registration Certificate (if applicable)

  • NOC from Society / Builder

  • Possession Certificate (for ready flats)

🏘 5. Documents for Home Loan on House Construction

If you are constructing on your own plot:

  • Title Deed of Plot

  • Approved Building Plan

  • Cost Estimate from Architect / Engineer

  • Construction Permission from Authority

🔄 6. Documents for Home Loan Balance Transfer

If shifting your loan from one bank/NBFC to another:

  • Existing Loan Sanction Letter

  • Loan Account Statement (last 12 months)

  • Foreclosure Letter from Existing Bank

  • Property Papers (as listed earlier)

🌍 7. Documents for NRI Home Loan in Chandigarh

For NRIs applying for a home loan:

  • Valid Passport & Visa Copy

  • Employment Contract / Salary Certificate

  • Overseas Bank Account Statement (6–12 months)

  • Power of Attorney (POA) in India

  • Property Documents (as per type: Flat/Plot/House)

If you are applying for a home loan in Chandigarh, always keep your KYC, income, and property documents ready.
Each type of loan—buildup, flat, plot, construction, balance transfer, or NRI—requires some specific papers.

With proper documentation, you can get faster approval, better interest rates, and hassle-free disbursement.

Insights/Informed Customers

Everything has its own price. You needs to shell out money in order to get financial services. Chandigarh Home Loan eliminate middleman by educating individual about different Loan Product available in the market & risk associated with them. We educate individual how he can take loan with better pricing. We don’t charge single penny from individual as we connect to individual through our digital initiative to every citizen of India, where they can pick right product with better pricing for themselves.

Benefits Of Co-applicant Home Loan

A co-applicant is an additional person considered in the underwriting and approval of a loan or other type of application. Applying for a loan with a co-applicant can help to improve the chances of loan approval and also provide for more favorable loan terms. Most of the banks in India allow a few specified relations to be co-applicants. Brother-brother, father-son, mother-son, husband-wife, etc. are acceptable combinations to be borrowers and co-applicants.

Process of Home Loan

In this video we explained what documents required for home loan so that you can arrange the documents before applying for home loan. we explained all document like identity proof, address proof, income proof, property documents for buildup property, property documents for plot cum construction, property documents flat in society.

Step-by-Step Guide on how to check your CIBIL Score

Understanding your CIBIL Score is crucial for maintaining your financial health and getting loan approvals. We will walk you through the entire process of checking your score online, explain what factors affect it, and offer tips to improve it. Whether you’re applying for a loan or simply monitoring your credit, this guide will help you stay informed. Watch the full video to learn everything you need to know about your CIBIL score!