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List of Documents Required for Home Loan To Apply

Documents Salaried Self employed professional Self employed non professional
Application form with photograph duly signed
Identity, address and age proof
Bank statements of last 6 months
Salary slips of last 3 months     
Processing fee cheque
Form 16/ Income Tax Returns
Proof of Business existence  
Business profile    
Education qualification certificate and Proof of Business existence    
Income Tax Returns (ITR) of last 3 years with computation of income  
Last 3 years CA certified/audited Balance Sheets and Profit & Loss Statements  

Home Loan Documents by Employment Type:

1. For Salaried Individuals:

  1. Aadhaar Card, Passport, Voter ID or any other government issued ID for identity proof
  2. Utility bills, Passport, Aadhaar Card or Voter ID for address proof
  3. Form 16, Salary slips of last 3 months and Bank statements of last 6 months
  4. Sale deed, Title deed, approved building plan and other occupancy documents
  5. Recent passport size photographs
  6. Duly filled and signed loan application form

2. For Self-Employed Individuals:

  1. Aadhaar Card, Passport, Voter ID or any other government issued ID for identity proof
  2. Utility bills, Passport, Aadhaar Card or Voter ID for address proof
  3. Audited financial statements of last 2 years including Balance Sheets and Profit & Loss Statements. ITR documents will also be required
  4. GST registration, trade licence, partnership deed, Articles of Association, SEBI registration certificate and ROC registration certificate
  5. Bank statements of last 6 months
  6. Recent passport size photographs
  7. Duly filled and signed loan application form.

Post Loan Closure: Documents for Property Handover

  • Power of Attorney format for collection of original property documents
  • In case of death of Loan Account holder:
    • Request letter from the Legal Heir/ Claimant/ Nominee(s) for handover of property documents
    • Letter of relinquishment for relinquishing right (Nominee/ Legal heir) in favour of Legal Heirs/ Nominees/ surviving owners for handover of property documents.

Home Loan Fees & Service Charges

ICICI Bank offers higher home loan eligibility and lower EMIs at attractive interest rates in india. Please click here to know more about fees and service charges applicable for ICICI Bank Home Loan.

Missed call number 9022499400

FAQs on Documents Required for Home Loan

Which documents are required for availing a Home Loan?

KYC documents like Aadhaar Card, PAN Card and Passport along with proof of age and signature are required for availing a Home Loan. Salaried applicants should provide Salary slips and Bank statements while Self-employed individuals need to submit Business stability proof and a Business profile. Passport size photographs are required for all applicants, ensuring a comprehensive documentation process for a Home Loan application. A few essential documents are required for handover of original property documents post loan closure. 

Which documents are required to avail a Home Loan without ITR?

Only pre-approved customers can apply for a Home Loan without ITR. Apart from this, applicants need to provide KYC documents like Aadhaar Card, PAN Card, age and signature proofs, salary slips (for salaried individuals) and Bank statements. Self-employed applicants should provide Business stability proof and a Business profile. These documents could play a vital role in facilitating a Home Loan application process even without ITR. It is best to get in touch with the Bank representatives directly if you don’t have a Pre-approved offer. 

Can I get a Home Loan without any documents?

No. There are certain home loan documents which are required to process your application. However, existing ICICI Bank customers can enjoy the benefit of reduced documentation

How much can I borrow through a Home Loan?

The amount you can borrow through a Home Loan depends on various factors like your income, credit score, property value and financial stability. Typically, lenders offer loans of up to 80-90% of the property's value. So, if your desired property costs ₹1 crore, you may be eligible for a Home Loan ranging from ₹80 lakh to ₹90 lakh. It is crucial to maintain a good credit history and provide accurate financial details for a higher borrowing capacity. There is no stipulated limit on the amount you can avail through an ICICI Bank Home Loan.

What are the interest rates charged on Home Loans?

Qualified candidates are entitled to appealing interest rates for variable and fixed-rate loans, lower EMIs, and no penalties for prepayment on floating rates. The home loan interest rate offered are determined by the applicant's credit score, loan amount, and the type of Home Loan applied for. These factors are helpful in determining the interest rates tailored to each individual's financial profile and loan requirements. 

What are the types of Home Loans available with ICICI Bank?

The following Home Loans are available with ICICI Bank:

What are the Home Loan application modes at ICICI Bank?

Securing a Home Loan from ICICI Bank offers flexible application modes. Online, applicants can visit ICICI Bank website or use the iMobile Pay app for a user friendly digital journey. All they need to do is upload soft copies of required home loan documents and the Bank will verify them.