Lenders typically require identity and address proof, income documentation (salary slips or income tax returns depending on employment type), bank statements, and property-related documents including the sale agreement and title papers.
For under-construction properties, lenders may also require the developer's approvals and RERA registration details as part of their own due diligence before disbursing funds.
Organising these documents in advance, before formally applying, generally speeds up loan processing and reduces back-and-forth during what can otherwise be a lengthy approval process.
