KYC Documents for proof of identity and address

• ID & Address Proof (Any One Required)
• Aadhaar card
• PAN card (Mandatory, if income is considered for loan eligibility calculation)
• Valid Passport
• Voter ID card
• Driving license

Residence Proof (Any One Required)

• Utility Bill: Electricity, Telephone, Postpaid mobile, water bill etc.
• Ration card
• Letter from employer
• Bank statement /copy of Pass book reflecting address
• Valid Rent Agreement
• Sale Deed

*National Housing Bank (NHB) had introduced Know Your Customer (KYC) guidelines for housing finance companies. We request you to co-operate with us in complying with these guidelines.

Income DocumentsFinancial documents declaring your income.

• Salaried Individuals
• Salary slips for the last 2 months or salary certificate*
• Cash Salary – Income details on Company Letterhead
• Copy of bank statements for the past 3 months (salary account)

*If variable components like over time and incentives are reflected, then salary slips for the past 6 months are required.

Self-Employed Professional

• Certificate of qualification for professionals : CA, Doctors or Architects
• Copy of last two years’ income tax returns, along with computation of income
• Copy of last two years’ P/L account with all schedules and audited balance sheet, wherever applicable.
• VAT or Service Tax returns or TDS Certificate
• Bank statement for the last 6 months (Savings account, current account and O/D account)

Self-Employed Non Professionals

• Copy of your last two years’ income tax returns, along with computation of income
• Copy of last two years’ P/L account with all schedules and audited balance sheet, wherever applicable
• VAT or Service Tax returns or TDS Certificate
• Bank statement for the last 6 months (Savings account, current account or an O/D account)

Property Documents Property related documents

• Allotment letter from builder
• Agreement of Sale
• Registration and stamp duty receipt
• Index- ii
• NOC from builder
• Own Contribution Receipt (OCR )
• All builder linked documents
• Development Agreement
• Tripartite Agreement
• Partnership Deed
• Sale Deed
• Title Search Report
• NA order
• Note: Original documents are required for verification purpose only

FAQ FOR HOME LOAN

• Are my property documents safe with BANK.?

Offers in-house scrutiny of property documents for your complete peace of mind. So be assured that your property documents are in safe hands.

• Can I give standing instructions to repay my Home Loan EMIs directly from my Savings Bank Account?

Yes, you can opt for Automated Repayment and your EMIs will be directly repaid from your HDFC Bank Savings Account, thus saving you the trouble of procuring, signing and tracking post-dated cheques.

• Do I have the option to structure my loan as partly fixed or partly floating?

Yes ,you can structure your HOME LOAN as partly Fixed or partly floating as per your needs

• How will decide my home loan eligibility?

Assess the customer's repayment capacity based on income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability and continuity of occupation, and savings history.

• What is pre-EMI interest?

Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest is called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI.