{"id":264,"date":"2016-12-06T03:59:29","date_gmt":"2016-12-06T03:59:29","guid":{"rendered":"https:\/\/homefirstindia.com\/?post_type=article&#038;p=264"},"modified":"2024-06-28T15:21:03","modified_gmt":"2024-06-28T15:21:03","slug":"documents-needed-loan-application","status":"publish","type":"article","link":"https:\/\/homefirstindia.com\/blog\/article\/documents-needed-loan-application\/","title":{"rendered":"Documents Required for a Home Loan Application"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Owning a home goes beyond fulfilling a dream; it means having a space that welcomes and protects you. But to secure a home loan, a proper application process needs to be followed.\u00a0 At HomeFirst, we want to make the loan process as easy as possible for you. Fintech is growing in today\u2019s world and so are we evolving to get your secure place at your convenience. Traditional lenders want you to fill out a lot of paperwork and make several trips to get a loan. We do none of those things. So, we have attached a list of documents that you need to get a home loan.<\/span><\/p>\n<h3><b>Documents Required for Home Loan<\/b><\/h3>\n<table style=\"width: 100%; height: 970px;\">\n<tbody>\n<tr style=\"height: 23px;\">\n<td style=\"height: 23px; width: 32.0238%;\"><b>Purpose<\/b><\/td>\n<td style=\"height: 23px; width: 67.0238%;\"><b>Accepted documents<\/b><\/td>\n<\/tr>\n<tr style=\"height: 118px;\">\n<td style=\"height: 118px; width: 32.0238%;\"><span style=\"font-weight: 400;\">Loan Application<\/span><\/td>\n<td style=\"height: 118px; width: 67.0238%;\">\n<ul style=\"list-style-type: disc;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Application form<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A cheque for the processing fee<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 230px;\">\n<td style=\"height: 230px; width: 32.0238%;\"><span style=\"font-weight: 400;\">Identity proof (anyone)<\/span><\/td>\n<td style=\"height: 230px; width: 67.0238%;\">\n<ul style=\"list-style-type: disc;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aadhaar card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PAN card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Voter ID<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driving license<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employer-issued ID card<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 230px;\">\n<td style=\"height: 230px; width: 32.0238%;\"><span style=\"font-weight: 400;\">Address proof (anyone)<\/span><\/td>\n<td style=\"height: 230px; width: 67.0238%;\">\n<ul style=\"list-style-type: disc;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aadhaar card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electricity bill<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Telephone bill<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ration card<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lease agreement<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 68px;\">\n<td style=\"height: 68px; width: 32.0238%;\"><span style=\"font-weight: 400;\">Photograph<\/span><\/td>\n<td style=\"height: 68px; width: 67.0238%;\">\n<ul style=\"list-style-type: disc;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 passport-size<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 133px;\">\n<td style=\"height: 133px; width: 32.0238%;\"><span style=\"font-weight: 400;\">Income proof (salaried)<\/span><\/td>\n<td style=\"height: 133px; width: 67.0238%;\">\n<ul style=\"list-style-type: disc;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Latest salary slips for 3 months<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Latest Form 16<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recent ITR<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 100px;\">\n<td style=\"height: 100px; width: 32.0238%;\"><span style=\"font-weight: 400;\">Income proof (self-employed)<\/span><\/td>\n<td style=\"height: 100px; width: 67.0238%;\">\n<ul style=\"list-style-type: disc;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Latest ITR, P&amp;L, and balance sheet for 3 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of business for last 3 years<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr style=\"height: 68px;\">\n<td style=\"height: 68px; width: 32.0238%;\"><span style=\"font-weight: 400;\">Bank Statements<\/span><\/td>\n<td style=\"height: 68px; width: 67.0238%;\">\n<ul style=\"list-style-type: disc;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Latest 6 months<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">*In case of a co-applicant(s), all the above mentioned documents are required by the co-applicant(s) as well.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">*In case you are a\u00a0 NRI applying for a home loan with us, you might need additional documents like &#8211;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Visa stamped Passport<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A common question which in general our applicants have is \u201c<\/span><b>Can home loans be granted without documents?<\/b><span style=\"font-weight: 400;\">\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The answer to this question depends on the types of documents you are referring to. If the documents mentioned are in terms of verification and KYC purposes, the answer is a strict no. But if the question is meant for producing a proper income certificate, the answer is yes. This might not be the case with many traditional banks and NBFCs, but with companies like HomeFirst, you can get your home loans without submitting your proper income certificate and can be applied completely online from here.<\/span><\/p>\n<h3><b>Process to Apply for a Home Loan<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Sanctioning a home loan in India used to be a lengthy and difficult procedure before the advent of digital banking. But due to the increase in adoption of digital banking, a home loan can now be quickly and easily processed online. The online application process for HomeFirst can be accessed<\/span><a href=\"https:\/\/customers.homefirstindia.com\/selfOnBoarding\/loanDetail?utm_source=website&amp;utm_medium=rfApplyNow&amp;utm_campaign=sob\"> <span style=\"font-weight: 400;\">from here<\/span><\/a><span style=\"font-weight: 400;\">. Within 48 hours, you can get your home loan sanctioned if it is approved. In case you are unfamiliar with the home loan procedure, here it is:<\/span><\/p>\n<p><b>1. Online Process<\/b><b><\/b><\/p>\n<p><span style=\"font-weight: 400;\">This is as simple as it can be. We have our home loan process completed online through the<\/span><a href=\"https:\/\/customers.homefirstindia.com\/selfOnBoarding\/loanDetail\"><span style=\"font-weight: 400;\"> link here<\/span><\/a><span style=\"font-weight: 400;\">. Just fill the information required and our relationship manager will reach out to you within 48 hours. Post that, documents will be checked and upon approval, your loan amount will be sanctioned in your account. The whole process is hassle-free and does not require daily visits to your location.<\/span><\/p>\n<p><b>2. Offline Process<\/b><b><\/b><\/p>\n<ul style=\"list-style-type: disc;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fill out the application form<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">The first step is to fill out the<\/span><a href=\"https:\/\/customers.homefirstindia.com\/selfOnBoarding\/loanDetail\"> <span style=\"font-weight: 400;\">application form<\/span><\/a><span style=\"font-weight: 400;\"> with all the details required and submit it along with the documents required mentioned in the above table.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit Appraisal<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">The process of evaluating the applicant&#8217;s credit history begins once the lender has received the application for the home loan as well as the requisite set of papers.\u00a0 In this stage of the process, the lender determines whether or not the applicant is eligible for a house loan by analyzing factors such as the applicant&#8217;s income, employment history, credit score, current debts, employer&#8217;s profile, business history and other relevant factors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Property valuation\/Field Investigation<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Lenders verify and review the applicant&#8217;s collateral property at this stage. The lender verifies all property paperwork, sale agreements, no objection certificates, occupancy certificates, and more, to ensure the title is clear and undisputed. The lender&#8217;s representative also inspects the property&#8217;s construction to make sure it meets plans and regulations. The lender also determines property value through technical inspection in case they require collateral.\u00a0 In the case of companies like HomeFirst, income proof is not required so a field investigation is carried out by the lender. This involves the lender&#8217;s representative calling the application or going to the applicant&#8217;s place of business or residence to determine or authenticate the details that the applicant has provided.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan Sanction<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Post approval of home loan application, an approval letter is provided with all the details mentioned like loan amount, applicable interest rate, type of interest be it floating or fixed, loan tenure, etc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan disbursal<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">The lender disburses the loan amount to your account as per the agreement. Before signing the loan agreement, the applicant should double-check the interest rate, interest type, loan tenure, EMI, and other terms and circumstances.<\/span><\/li>\n<\/ul>\n<h3><b>To sum up<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">With growing digitization, all of the process can be done sitting at your ease. HomeFirst\u2019s loan application process is fully digitized from<\/span><a href=\"https:\/\/customers.homefirstindia.com\/selfOnBoarding\/loanDetail\"><span style=\"font-weight: 400;\"> loan application<\/span><\/a><span style=\"font-weight: 400;\"> process to loan disbursement in your account. Still, the<\/span><a href=\"https:\/\/homefirstindia.com\/contact\/#request-callback\"> <span style=\"font-weight: 400;\">nearest offline offices can be tracked here<\/span><\/a><span style=\"font-weight: 400;\"> and you can visit our official website too for putting up an enquiry. HomeFirst stands with you helping you to build a home of your own.<\/span><\/p>\n<p>Share this article on <a href=\"https:\/\/api.whatsapp.com\/send?text=https:\/\/homefirstindia.com\/article\/documents-needed-loan-application\/\"><em><strong>WhatsApp.<\/strong><\/em><\/a><\/p>\n<p><strong>Also read:<\/strong><\/p>\n<ul class=\"article-category-list list-unstyled\">\n<li>\n<h4><strong><a href=\"https:\/\/homefirstindia.com\/article\/types-loans-available-hffc\/\">Types of Loans Available With HomeFirst<\/a><\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong><a href=\"https:\/\/homefirstindia.com\/article\/process-fees-schedule\/\">HomeFirst Finance Company Housing Loan Processing Fees Schedule<\/a><\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong><a href=\"https:\/\/homefirstindia.com\/article\/minimum-documents-required-for-home-loan\/\">Minimum Documents Required for Home Loan<\/a><\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong><a href=\"https:\/\/homefirstindia.com\/article\/how-to-reduce-home-loan-interest-rates\/\">How to Reduce Home Loan Interest Rates<\/a><\/strong><\/h4>\n<\/li>\n<li>\n<h4><strong><a href=\"https:\/\/homefirstindia.com\/article\/missed-home-loan-emi-payment\/\">Missed Home Loan EMI Payment?<\/a><\/strong><\/h4>\n<\/li>\n<\/ul>\n","protected":false},"featured_media":0,"template":"","article_category":[67],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Documents Required for Home Loan Application | HomeFirst<\/title>\n<meta name=\"description\" content=\"Check out home loan documents required for easy home loan finance- Property Documents, KYC\/Identity documents, address proof, income proof\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/homefirstindia.com\/blog\/article\/documents-needed-loan-application\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Documents Required for Home Loan Application | HomeFirst\" \/>\n<meta property=\"og:description\" content=\"Check out home loan documents required for easy home loan finance- Property Documents, KYC\/Identity documents, address proof, income proof\" \/>\n<meta property=\"og:url\" content=\"https:\/\/homefirstindia.com\/blog\/article\/documents-needed-loan-application\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogs &amp; 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