Home Loan
Home Loan Documents: The Complete Checklist
Save time on your home loan application by having every document ready before you apply.
BankLoanKart Team · 31 Oct 2026 · 1 min read · Home Loan
Lenders do not fund the full price of a home. The part you pay yourself is the down payment, and planning it early makes buying much smoother.
Based on RBI loan-to-value limits, lenders can fund up to 90% of the property value for loans up to ₹30 lakh, 80% for ₹30 to ₹75 lakh and 75% above ₹75 lakh. So the minimum down payment is roughly 10%, 20% or 25%. Lenders may ask for more depending on the property and your profile.
Keep a buffer for these – many buyers forget them and then fall short.
A larger down payment means a smaller loan, a lower EMI and less interest – but do not empty your emergency savings. Keep at least a few months of expenses aside.
Roughly 10% to 25% of the property value depending on the loan amount, as per RBI loan-to-value limits. Lenders can ask for more.
Usually not. Stamp duty and registration are generally paid by the buyer separately.
It is possible but not advised. The extra EMI reduces your home loan eligibility and increases risk.
Save time on your home loan application by having every document ready before you apply.
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