Borrower KYC and profile
Common starting documents include PAN, accepted identity/address proof, photographs and application declarations. Co-applicants usually need their own KYC.
Income documents
Salaried applicants may need salary slips, Form 16, bank statements and employment evidence. Self-employed applicants may need ITRs, financial statements, GST/business documents and bank statements.
Property documents
The property file can be as important as the income file. Agreement documents, title papers, allotment records, approved plans, permissions, tax receipts and other records may be reviewed depending on the property type.
Legal and technical checks
The lender normally appoints or accepts its own legal and technical process. These checks are separate from the borrower's credit assessment and can affect sanction or disbursal conditions.
Keep originals and copies organized
Use clear scans for digital submission and maintain originals where required for verification or mortgage creation. Do not hand original documents to unauthorized persons.
FAQ
No. Property acceptability and legal/technical approval are determined by the lender or its appointed professionals.