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Why Choose IIFL Home Loan?
At IIFL Home Loan, we go beyond providing just loans—we ensure the entire process is seamless and customer-friendly. Here’s what sets us apart:
Documents Required for Home Loan
To start your home loan journey with IIFL Home Loan, here are the basic documents you will need to submit
Identification/Address Proof
Aadhaar card, passport, Voter id card or driver's license
Income Proof
Salary slips, bank statements, and income tax returns
Employment Proof
Employment letter, Salary Slips (for salaried individual) or business registration (for self-employed)
Property Documents
Sale deed, property tax receipts, and ownership papers
Documents based on Applicant Type
Different applicants need to submit different sets of documents. Here's what you'll need based on your employment profile.
Documents for Salaried Individuals
If you are a salaried individual applying for a home loan, you'll need to provide the following
- Recent salary slips
- Form 16 issued by your employer
- Recent bank statements
- Proof of current employment
- Additional residential proof, if requested
Documents for Self-Employed Individuals
Self-employed applicants must demonstrate business stability and income consistency through these documents:
- Business registration proof (such as Certificate of Incorporation, GST registration certificate, MSME Udyam registration)
- Recent income tax returns
- Balance sheet and Profit and loss statements
- Business establishment proof (partnership deed, MOA, etc.)
- Proof of business address
Documents for NRI Applicants
If you are an NRI, you need to submit additional documents to verify your overseas status and financial position:
- Passport and visa copies
- Proof of employment abroad (work permit or contract)
- NRE/NRO bank statements
- Power of Attorney (if you're applying remotely)
- Overseas address proof
Essential Property Documents
The property you intend to buy must also have clear legal documentation. Below are the key property documents you need to submit:
Sale Deed
Proof of property ownership and transfer
No Objection Certificate (NOC)
From the builder or housing society, if applicable
Property Tax Receipts
Latest payment confirmations
Encumbrance Certificate
Ensures the property is free from legal or financial dues
Site Plan and Layout Approval
Confirms property layout and regulatory approvals
Why Submitting Complete Documents is Important
Submitting complete and accurate documents is essential for a smooth home loan process. Here's how it helps
