Documents Required for Home Loan
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The documents required for a Home Loan from Kotak Mahindra Bank are listed below in a comprehensive and straightforward table for easesimple and hassle-free. These documents are important for your Home Loan approval as they indicate your financial stability as well as your creditworthiness. Any lender takes the documentation into account when approving your loan application as these documents are an indicator of your financial stability as well as creditworthiness. The home loan documents is one of the crucial home loan requirements. Even at Kotak Mahindra Bank, we take the home loan documents process quite seriously.
However, many timestimes, applicants face difficulties while submitting Home Loan documents due to complex requirements. That’s why, Kotak Mahindra Bank makes the Home Loan documents process extremely systematic and transparent, right from the start.
Nature of employment, that is, salaried or self-employed and your residential status, that is, whether you are an Indian residentresident, or an NRI impacts the Home Loan documents list. Apart from these, the type of property is also a crucial factor that determines what Home Loan documents are required to pass your Home Loan application.
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Proof type |
Document |
Salaried Individuals (Individual or Joint) |
Self Employed Professionals (SEP) (Individual or Joint) |
Self Employed Non- Professional (SENP) / Co. / HUF/ Partnership Firm / LLP |
Non-Resident Indians (NRI’s)* (Individual or Joint) |
---|---|---|---|---|---|
Bank Statements/ passbook copy |
Bank statement/pass book copy |
✔ |
✔ |
✔ |
✔ |
Age proof |
Passport |
✔ |
✔ |
✔ |
✔ |
Driving license |
✔ |
✔ |
✔ |
✗ |
|
School leaving certificate |
✔ |
✔ |
✔ |
||
Birth certificate |
✔ |
✔ |
✔ |
||
Voters identity card |
✔ |
✔ |
✔ |
||
PAN card |
✔ |
✔ |
✔ |
||
Income Proof |
Last 3 month's salary slips |
✔ |
✗ |
✗ |
✗ |
Form 16 of latest 1 assessment year |
✔ |
||||
Latest 3 years income tax returns, personal and business along with computation of income. |
✗ |
✔ |
✔ |
✗ |
|
Latest 3 years profit and loss accounts and balance sheet with schedules duly certified by a chartered accountant. |
✔ |
✔ |
✗ |
||
Business/Service/Profession Proof |
Professional experience / Business or Partnership existence proof |
✔ |
✔ |
✔ |
✔ |
Repayment Proof |
Repayment track record (RTR)/Proof wherever Applicable |
✔ |
✔ |
✔ |
✔ |
Property Proof |
All Property documents |
✔ |
✔ |
✔ |
✔ |
Other Proof |
Degree certificate |
✗ |
✔ |
✗ |
✗ |
Registration Proof with Tax authorities as applicable to type of Business |
✗ |
✗ |
✔ |
✗ |
Checking the eligibility for your Home Loan and the EMI that you have to pay is now easier. You can do so by using the Kotak Home Loan EMI Calculator. You only need to know your Kotak Home Loan’s interest rates and the processing fees and charges you paid for it.
Many applicants overlook various eligibility criteria like income, credit score, and existing financial liabilities before applying. These lead to rejection or further delays in your loan application.
To avoid such disappointments, you can check your eligibility with a Home Loan Eligibility Calculator to take informed decisions and improve your loan application.
Terms and Conditions occupy the smallest space when you go through different features of Home Loans. However, it is the most important list that you must read first. There could be additional charges related to your loan or balance transfer that you don’t know about. Go through the fine print to avoid any problems in the future.
When you submit incomplete documents while applying for your loan, the chances of your loan approval decrease. If you leave some fields blank in the application or don’t provide certain documents like forgetting to include annexures in your ITR are some of the common mistakes you must avoid. To be thorough with the list, you can contact our executive for better clarity.
A uniform signature across all official documents and applications is preferred in such cases. If there is a mismatch of signature in your documents (like PAN card or Passport) and application form, then it might lead to rejection.
Make sure that you use a consistent signature across documents to avoid confusion and rejections. If your sign has changed over time, then you must update it for all your documents before applying.
Some documents in the loan application require notarization or CA certification (like balance sheets) and if you submit it without proper attestation, the bank may reject your application. Always check the document list and note which of them needs notarization, self-attestation, or CA certification before applying.
Without proper property documents, loan applications are likely to be rejected. If your documents don’t have a proper sale deed, occupancy certificate or certain builder approvals then you will land in trouble with your application. Hence, it is important to be mindful of it.
Make sure that you have updated your KYC information with the bank to avoid any delays with the loan processing. Having up-to-date information eases your process of loan approval.
You can pay off any existing balance of Home Loan using Kotak’s Home Loan Balance Transfer at a lower rate of interest.
If you are an NRI and are looking for a Home Loan, Kotak provides you just that. Check out our NRI Home Loans section.
To encourage women home buyers, Kotak Mahindra Bank offers affordable housing loans for women.
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