For preapproval only (property yet to be located) :
For all applicants/co-applicants :
Loan application
Copy of tax documents for the last two years . (i.e. Income Tax and Wealth Tax returns, statement of wealth if not a Wealth Tax assessee, assessment orders).
Copy of latest statement of credit cards and car loans.
Copy of overdraft / cash credit account statements for the last 1 year.
Two passport sized photographs
Copy of two positive identifications (passport, driving license, ration card, credit card).
Signature verification from your banker
Copy of insurance policies with latest premium receipt .
Statement of repayment plan with documentary proof of wealth .
Statement of bank a/c for the last one year .
If you are employed :
Salary and TDS certificates .
Latest Pay slip .
Letter from Employer (as per format) .
If job is transferable, proof of permanent residence .
If you are self-employed :
A note on your business (track record for professionals) .
Copy of audited financial statements for the last two years .
List including address and contact person of top five clients .
For approval and disbursal (property already located) :
All documents mentioned under preapproval above .
If you are also taking financial assistance for the property from any source other than the bank, then details of that facility .
Allotment letters and / or Bye-laws of the co-operative society / association of apartment owners .
Photocopies of title deeds, Agreement to sell, Encumberance certificate etc. with a title search certificate from an approved lawyer .
For self construction, approved plans and clearance certificates along with estimates .