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Getting your documents right before applying for a home loan can save time and reduce the chance of delays. Lenders verify four things: your identity, your income or business, your banking activity, and the property you plan to finance. The exact list differs depending on whether you are salaried or self-employed. With Bajaj Finance, you can apply for a home loan of up to Rs. 15 crore* with interest rates starting from 7.25%* p.a. for salaried applicants. The loan tenure can extend up to 32 years*, and applications can be approved within 48 hours* of submission. Preparing your documents in advance, especially your KYC records, six months of bank statements, and property paperwork, can make the process more straightforward. Before a lender approves your application, they need to confirm four things. Each one links directly to the documents you will be asked to submit. The documents supporting these checks differ between salaried and self-employed applicants. Your occupation is the first filter to apply when preparing your checklist. If you are salaried, your main task is to establish your identity, current income and banking history. Note that this is an indicative list. The final requirement can vary based on your specific application and the lender's assessment process. Self-employed applicants need to establish identity and address, but also demonstrate the legitimacy and financial health of their business. This makes the document list broader than the salaried checklist. Depending on the nature and registration of your business, some of the following may also apply: Not every self-employed applicant needs to submit every document above. The applicable records depend on how your business is structured and registered. Consider the example of Priya,a 38-year-old chartered accountant based in Pune, who runs a small independent practice. Her income proof is a CA-audited P&L statement. She also submits her GST registration certificate and six months of bank statements from her current account. Her CIBIL Score of 760 supports her application for a Rs. 80 lakh home loan with a 20-year tenure, resulting in an EMI of approximately Rs. 790/lakh* at the starting rate of 7.70%* p.a. for self-employed applicants from Bajaj Finance. Your property introduces a separate set ofdocuments required for home loan. The lender needs to verify the transaction, ownership and applicable approvals, independent of who you are as an applicant. The applicable documents depend on the type of property or transaction involved. Beyond the transaction type, the following supporting documents can apply across different scenarios: Property-specific documents are not a universal checklist. Only the records relevant to your transaction will apply. Document quality and completeness affect verification timelines. Missing or inconsistent records are among the most common reasons for delays. One more thing worth knowing: submitting all available documents does not guarantee approval. Th