*Disclaimer: All contents mentioned on this page, including but not limited to documents, eligibility may vary for each borrower and are subject to the discretion of the lender. The content is subject to change without prior notice.

Documents Required for Affordable Housing Loan

Here’s a category-wise breakdown of the documents you need to submit when applying for an Affordable Housing Loan with Godrej Capital:

KYC Documents

Address & Identity Proof

Pan Card or Form 60 is mandatory. For Proof of Address & Identification, any one of the following documents is acceptable:

  • Proof of possession of Aadhaar number
  • Valid Driving License
  • Valid Passport

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Income Documents

Income Declaration

To submit proof of income, following documents are acceptable:

  • Latest 1-month salary slip or salary certificate on company letterhead, signed by an authorized signatory
  • Proof of employment for 2 years (Form 16, salary slip with joining date, employer letter, or appointment letter)
  • Last 6 months' bank statements showing salary credits
  • Work experience proof is not required for salaried Indian residents above 35 years

Property Documents

For Property Purchased Through Builder

  • Agreement to sell
  • Payment Receipts
  • Mortgage NOC
  • Cost Sheet

For Purchase of Resale Property

  • All Chain of Agreement
  • Society / Builder NOC
  • Share Certificate
Document-category
Indian Resident Salaried

KYC Documents

Address & Identity Proof

Pan Card or Form 60 is mandatory. For Proof of Address & Identification, any one of the following documents is acceptable:

  • Proof of possession of Aadhaar number
  • Valid Driving License
  • Valid Passport
  • Voter’s Identity Card
  • Letter issued by National Population Register Containing Details of Name and Address

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Income Documents

Income Declaration

To submit proof of income, following documents are acceptable:

  • Last filed ITR, P&L statement, and Balance Sheet (audited/CA-certified)
  • Tax Audit Report (if applicable)
  • Bank statements (6-12 months)
  • Rental credits and registered rent agreement (if applicable)
  • Income verification documents (Bills, Day Book, Working Sheet, etc.)
  • Income Affidavit
  • Latest salary credits (6 months) and salary certificate
  • Current year GST return
  • ITR and financial statements (last 2 years, CA-certified)
  • Business continuity proof (3-5 years)
  • GST challans (last 1-3 quarters)

Property Documents

For Property Purchased Through Builder

  • Agreement to sell
  • Payment Receipts
  • Mortgage NOC
  • Cost Sheet

For Purchase of Resale Property

  • All Chain of Agreement
  • Society / Builder NOC
  • Share Certificate
Document-category
Business Self-Employed

KYC Documents

Address & Identity Proof

Pan Card or Form 60 is mandatory. For Proof of Address & Identification, any one of the following documents is acceptable:

  • Proof of possession of Aadhaar number
  • Valid Driving License
  • Valid Passport
  • Voter’s Identity Card
  • Letter issued by National Population Register Containing Details of Name and Address

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Income Documents

Income Declaration

To submit proof of income, following documents are acceptable:

  • Last filed ITR, P&L statement, and Balance Sheet (audited/CA-certified)
  • Bank statement showing rental credits & registered rent agreement (if applicable)
  • Latest bank statements (12-18 months)
  • Customer Profile (GHF format)
  • Latest salary credits (6 months) and salary certificate
  • GST returns (last financial year & current year)
  • Provisional financials for current FY
  • ITR and financial statements (last 2 years, CA-certified)
  • Practice continuity proof (3 years)
  • Tax Audit Report (if applicable)
  • Qualification certificate (if required)

Property Documents

For Property Purchased Through Builder

  • Agreement to sell
  • Payment Receipts
  • Mortgage NOC
  • Cost Sheet

For Purchase of Resale Property

  • All Chain of Agreement
  • Society / Builder NOC
  • Share Certificate
Document-category
Professional Self-Employed

KYC Documents

Address & Identity Proof

Pan Card or Form 60 is mandatory. For Proof of Address & Identification, any one of the following documents is acceptable:

  • In case of Indian Passport Holder- Certified copy of Valid Indian Passport along with copy of valid visa copy or work or residence permit copy of other non important password
  • In case of Foreign Passport holder- copy of valid Foreign Passport along with OCI (Overseas Citizen of India) card or PIO (Person of Indian Origin) card

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Income Documents

Income Declaration

To submit proof of income, following documents are acceptable:

  • Latest 3-month salary slip or a Salary Certificate authorized by the signatory of the company on the letterhead
  • Proof of employment for 5 years (Tax returns or Employment contract or Joining date on salary slip or employer letter or appointment letter etc.)
  • Last 6 months statement of bank account where salary is credited and last 6 months NRE or NRO bank statement
  • Latest valid Contract Copy and or appointment letter
  • Complete Continuous Discharge Certificate (CDC) for employees working on Ships
  • Overseas Credit Bureau report not older than 30 days

Property Documents

For Under construction Home Loans – Non Approved Projects

  • Allotment Letter or Stamped Agreement for Sale and other Non sale department
  • Payment Receipts or bank account statement showing all payments made to the Builder

For Resale Home

Current Registered or Draft Agreement for Sale (only for Maharashtra) or Allotment Letter or Stamped Agreement for Sale

Prior Chain Link title documents

Occupancy Certificate (in case property is ready) or Approved Plan copy (photocopy of the blueprint)

Share Certificate (only for Maharashtra) Maintenance Bill Property Tax Receipt

Payment Receipts or bank account statement showing all the payments made to Seller and non seller

Document-category
Non-Resident Indian Salaried