When applying for a home loan, you will need to provide a number of documents to the lender to prove your eligibility and to secure the loan. Some of the property-related documents that are typically required for a home loan are:
Sale agreement: This is the document that details the terms and conditions of the property sale. It includes information such as the sale price, the names of the buyer and seller, and the date of the sale.
Title deed: This is the legal document that proves ownership of the property. It includes information such as the property's location, size, and boundaries.
Property tax receipt: This is a document that shows that the property taxes have been paid up to date.
NOC (No Objection Certificate): If the property is located in a society or a gated community, you will need to obtain an NOC from the society or the management committee. This is a document that states that the society has no objections to you taking a home loan on the property.
Encumbrance certificate: This is a document that shows that the property is free of any legal liabilities or encumbrances, such as outstanding loans or legal disputes.
Building plans: If you are applying for a home loan to construct a new property, you will need to provide the building plans and other relevant documents to the lender.
Approval from local authorities: If the property is located in an area that requires approval from local authorities, such as a notified area or a coastal zone, you will need to provide evidence of the approval.
It is important to provide all the required documents to the lender to ensure a smooth and hassle-free home loan application process.
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