Documents required - Pre Sanction

When you apply for your home loan, please make sure you keep the following documents handy:

Personal details documents
- 1 photograph of each applicant (applicant & co-applicant) (All photographs attached to the application form should be signed across)
- Valid passport copies for all the applicants
- Valid visa copies for all the applicants
- Cheque / Draft in INR for fees (as per applicable rate) and the date must be in dd/mm/yyyy format*
- Power of Attorney document as per our format duly signed by all the applicants (POA execution process)
- Authority letter duly signed by all the applicants as per our specified format
- Company details as per our format
- Copy of current overseas residential verification proof of all the applicants to the loan. (Driving license or bank statement showing overseas address or latest insurance premium receipt or utility bill).
- Copy of PAN Card for the Ist applicant OR Form 60 as per our format attached here with.

Financial details documents: for salaried individuals
- Copy of current appointment letter OR Copy of salary certificate clearly mentioning the date of joining, current salary earned and designation held in the company
- Copy of previous appointment letters (in case the no. of years in current employment is less than 2)
- Last 1month salary slip for Fixed salary and last 4 months for Variable salary
- Last 3 months bank statements clearly mentioning salary credits in the account

Financial details documents: for self employed individuals
- Copy of incorporation of business
- Copy of the last 2 years audited profit and loss a/c of the company
- Copy of the last 2 years audited balance sheet of the company
- Copy of partnership deed (incase of a partnership firm)
- Copy of MOA & AOA of the company (incase of a private ltd. company)
- Copy of last 3 months bank statements in the company's name
- Copy of last 3 months bank statements in individual's name

NRI Personal Guarantor documents
In case you have opted for a NRI Personal Guarantor on your loan, kindly arrange to send the following documents.
- Passport & VISA copies of the NRI Guarantor.
- Current overseas address verification proof of the NRI Guarantor. (Driving license or bank statement showing overseas address or latest insurance premium receipt or utility bill)

Please Note:
Co-applicant's income can be considered for enhancing your loan eligibility or increasing your loan amount. Please ensure that all financial documents of co-applicant(s) are attached with your India Home Loan Application. In case, you have opted to not consider your co-applicant's income for loan eligibility, you may send across the declaration form for your blood relative(s) / spouse coming in as co-applicant(s).

In case there is no co-applicant, an NRI Guarantor is required compulsorily along with his / her Identity and Address proof.

Applicant/s should sign on passport and visa copies, pan card copy, residence verification proofs, income documents and bank statements.

*Please also ensure that you send us the processing fee cheque of 1.1236% of the loan amount applied for, from a NRE / NRO account in favour of "ICICI Bank Ltd. AF for HL - A/c of <name of customer>" by courier.

Note: Processing Fees and Admin Fees are for processing of home loan application and are non-refundable.

Disclaimer for Products and Services in India for NRIs in USA