Our Home Loan Services

 

Complete home financing solutions through partnerships with top financial institutions across India. Our team of experts offers full support, from preparing all necessary documents to releasing the loan funds, making your home loan process easy and hassle-free.

 

Our Banking Partners:

​

• Major Banks: HDFC, SBI, ICICI Bank, Axis Bank
  
  Housing Finance Companies: HDFC Ltd, LIC Housing Finance
  
  NBFCs: Indiabulls, Bajaj Finserv, Tata Capital
  
  And over 25 other trusted lenders

 

Value-Added Services:

​

• Help with professional documentation
  
  Advice on legal and technical aspects of property
  
  Comparison of interest rates from various lenders
  
  Tracking and follow-up on your loan application

 

Income Documentation for Salaried Employees

 

Mandatory Income Documents:

​

1. Salary Documentation

​

• Last three months' salary slips (printed with company stamp)

​

• Form 16 from your current employer (for the latest financial year)

​

• Income Tax Return with acknowledgment for the last two years (if already filed)

​

2. Bank Statement Analysis

​

• Last six months' bank statements showing regular salary deposits

​

• Statements for your main salary account are required

​

• These should clearly show your monthly income and spending patterns

​

3. Employment Verification

​

• Employment letter or offer letter (if you've been in your current job for less than a year)

•  

• Experience certificate from a previous employer (if applicable)

​

• Confirmation of your employment from the HR department

​

​

Additional Financial Documents

 

Loan Portfolio Documentation:

​

• Existing loan statements including home loans, personal loans, and credit cards
  
  Payment history for the last six months for all existing loans
  
  Loan closure certificates for any loans that have been closed recently
  
  Credit card statements from the past three months

​

Investment & Asset Proof:

​

• Fixed deposit receipts, if used as part of the down payment
  
  Mutual fund or share portfolio statements
  
  PPF or EPF statements to verify additional income

 

Application Requirements

 

Form Completion:

• Completed and signed loan application form

​

• Recent colored passport-sized photos (2-3)

​

• Verification of signature on the photo with the one on the application form

​

• Details of a co-applicant if applying jointly

​

 

Home Loan Documents for Self-Employed Individuals

 

Business Identity & Address Verification

 

Personal Documentation:

• Same identity proof requirements as for people who get a salary

​

• Business address proof if it's different from your home address

​

• Verification of the address for a partnership or company

​

​

Comprehensive Income Documentation

 

Tax & Financial Records:

​

1. Income Tax Documentation

• Income Tax Return (ITR) with calculations for the last three years

• Form 26AS for the most recent financial year

• Receipts for advance tax payments (if any)

• TDS certificates for professional income

​

2. Business Financial Statements

• Audited Balance Sheet and Profit and Loss Statements for the last three years

• Financial statements certified by a Chartered Accountant with all supporting documents

• Separate financials for the individual and the business entity

• Cash flow statements (if available)

​

3. Banking Documentation

• Business current account statements for the last 12 months

• Personal savings account statements for the last 12 months

• Multiple account statements if the business operates through different accounts

 

Business Registration & Legal Documents

 

Entity-Specific Documentation:

​

For Companies:

• Certificate of Incorporation

• Memorandum and Articles of Association

• Board resolution for the loan application

• List of Directors and Shareholders (certified by a CA/CS)

• Individual shareholding details

​

For Partnership Firms:

• Partnership Deed (registered)

• Partnership registration certificate

• Individual financial statements of the partners

​

For Proprietorship:

• Business registration certificate

• Trade license or Shop establishment license

• Professional practice certificate (for professionals)

 

Professional Documentation

 

Business Profile Requirements:

• Detailed business profile with the nature of business

• Client list and major contracts (for service businesses)

• Product or service portfolio description
  Proof of business duration and evidence of continuity

​

Loan History Documentation:

• Details and statements of existing business loans

• Details on working capital facilities and how they've been used

• Outstanding loan amounts with repayment schedules

• Security or collateral details for existing loans

 

Property-Related Documentation

 

Purchase Documentation

 

Developer/Seller Documents:

• Allotment letter or booking confirmation

• Builder-buyer agreement (registered)

• Payment receipts for all amounts paid to the developer

• Construction-linked payment schedule

​

Property Legal Documents:

• Clear title documents from the seller

• Encumbrance certificate (for 15-30 years)

• Property tax receipts (current)

• NOC from the society or building for resale properties

​

​

Regulatory Compliance Documents

 

RERA & Approval Documents:

• RERA registration certificate (for new projects)

• Building plan approval from the local authority

• Completion certificate (for ready properties)

• Occupancy certificate where applicable

​

Insurance & Compliance:

• Property insurance documents (if existing)

• Society registration documents

• Building compliance certificates

​

​

 

Special Category Documentation

 

NRI Home Loan Documents

 

Additional Requirements:

• Valid work permit or visa from your country of residence

• Employment letter from your overseas employer

• Overseas bank statements for the last six months

• NRE/NRO account statements

• FEMA compliance declaration

​

​

Joint Application Documents

 

Co-Applicant Requirements:

• All documents listed above for each co-applicant

• Proof of relationship (marriage certificate, birth certificate)

• Joint bank account statements (if applicable)

• Individual and combined income calculations

​

 

Document Preparation Guidelines

 

Attestation & Verification Requirements

 

Self-Attestation Process:

• Sign on each page of the document copies

• Statement "True copy of original" on each document

• Date and full signature on the attestation

• Match the signature with bank records

​

Bank Verification Process:

• Verification of original documents at the bank branch

• Digital submission through online portals

• Physical submission for final approval

• Advocate verification for property documents

​

​

Common Documentation Mistakes to Avoid

 

Preparation Errors:

• Incomplete bank statements or missing pages

• Expired identity documents or outdated address proof

• Unsigned or improperly attested copies

• Mismatched names across documents

​

Submission Errors:

• Missing required documents from the checklist

• Poor quality photocopies or illegible scans

• Delayed updates for changed circumstances

• Incomplete property documentation

 

Documentation Support Services

 

Professional Assistance Available

 

Our Documentation Services:

• Complete checklist based on your profile

• Document review and verification before submitting to the bank

• Help in identifying missing documents

• Attestation and notarization support

​

Legal & Technical Support:

• Property document verification by qualified advocates

• Title clearance and due diligence

• RERA compliance check for new projects

• Builder agreement review and negotiation support

​

​

Digital Documentation Solutions

 

Online Submission Support:

• Digital document scanning and optimization

• Secure upload assistance

• Application tracking and status updates

• Real-time communication with bank representatives

 

Expert Documentation Assistance

 

Ensure 100% compliance with our professional documentation services.
Our experienced team helps you prepare, verify, and submit all required documents for the fastest loan approval.

Why Choose Our Services:

• 20+ years of experience in home loan documentation

• 99.2% approval rate with proper documentation

• Same-day document review and feedback

• Direct bank relationships for expedited processing