Different banks have different schemes about getting a home loan. They have their own formalities, their own rules and their own interest rates.
A few of the common documents you would definitely require no matter the bank; proof of your identification, proof of your address, bank statements and finally, proof of your income.
For proof of identification, you can give them your election card or your PAN (personal account number) card or some banks even accept your driver’s license.
For your proof of address, you can give them a bill you have been receiving for more than a few months. You can give them your electricity, phone or water bill. Further, you can give them your lease agreement, property tax or your ration card.
For the proof of your income, you have to give them a salary slip of the last three months, along with all the deductions in your salary. Further, you have to fill up and submit a form 16, which is a legal form.
You have to get your bank statements from the bank and hand those in as well. If you find that too troublesome, you can hand them photocopied or scanned copies of your bank passbook. Your statement has to extend over the last six months.
A few of the documents may vary based on whether you are self-employed or receiving a monthly salary.