When applying for a home loan from JK Bank (Jammu & Kashmir Bank), you need to submit several documents for verification. Below is a checklist of the required documents:
1. Identity & Address Proof
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Aadhaar Card (Copy)
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PAN Card (Copy)
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Voter ID / Passport / Driving License (Copy)
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Recent Passport-size Photographs
2. Income Proof (Salaried Individuals)
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Last 3-6 months’ Salary Slips
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Form 16 / ITR (Last 2-3 years)
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Bank Statements (Last 6 months) (Salary Account)
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Employment Certificate / Appointment Letter
3. Income Proof (Self-Employed/Businessmen)
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ITR (Last 3 years) with Computation of Income
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Profit & Loss Statement & Balance Sheet (Last 3 years, CA Certified)
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Bank Statements (Last 12 months)
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Business Proof (GST Registration, Shop Act License, etc.)
4. Property Documents
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Sale Agreement / Builder-Buyer Agreement
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Allotment Letter (if applicable)
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Property Tax Receipts
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Approved Building Plan & NOC from Authorities
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Encumbrance Certificate (Last 13-30 years)
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Khata Certificate & Extract
5. Additional Documents (If Applicable)
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Post-Dated Cheques (PDCs) for EMI Payments
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Processing Fee Payment Receipt
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Existing Loan Details (if any)
Important Notes:
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Documents may vary based on loan type (e.g., plot loan, under-construction property, resale property).
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JK Bank may request additional documents during processing.
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Ensure all documents are self-attested.
Would you like assistance with the JK Bank home loan application process or EMI calculations? Let me know!
