Home loan documents for a Bangalore purchase

For a ready apartment, expect the registered sale deed (or agreement to sell), latest tax paid receipt, and an encumbrance certificate.

Khata (e-khata / A-khata where applicable) and an occupancy certificate reduce legal queries. B-khata files need extra scrutiny.

Builder-buyer agreements should match RERA details. We check the project’s RERA number before you pay a large token.

If you are buying a resale, the previous chain of title and society NOC matter as much as your income papers.

Salaried buyers: 3 slips, Form 16, 6-month salary credits. Self-employed: 2-year ITR, GST, and current-account statements.