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Applicant document checklist
These documents are commonly requested for the situation selected. Your lender may ask for more or fewer items.
HOME LOAN PREPARATION ASSISTANT
Free Home Loan Preparation Checklist for Indian Homebuyers
Create a personalised home-loan document checklist, lender-question list and comparison worksheet based on your applicant profile and property type.
✓ No document uploads
✓ No credit check
✓ No lender ranking
✓ No data sent to a server
Takes about 3 minutes. No signup required.
DESIGNED FOR LOW-RISK EDUCATION
Useful without pretending to make the decision for you
Outputs come from controlled checklist rules, not an AI guessing a financial answer.
No PAN, Aadhaar, salary slip, bank statement or property document is requested.
No “best lender” ranking, approval claim or sponsored placement appears in the tool.
HOME-LOAN PREPARATION GUIDE
What this free checklist creates
REWS Home Loan Prep turns eight simple selections into a practical meeting pack. The output contains a situation-based applicant checklist, property-information checklist, questions to ask lenders, a three-lender information worksheet and a preparation timeline.
Applicant preparation
Common information for salaried, self-employed and NRI applicants, with additional prompts for joint applications and first-time borrowers.
Property preparation
Different prompts for under-construction, ready developer, resale and plot or self-construction transactions.
Lender meeting
Questions covering rate, benchmark, spread, KFS, APR, charges, reset treatment, disbursement, part-payment and closure.
Who can use the tool?
Salaried applicants
Prepare salary, employment and banking information before requesting the lender’s official document list.
Self-employed applicants
Organise tax returns, financial statements, business banking and registration information where applicable.
NRI applicants
Prepare passport, residence status, overseas income, banking and power-of-attorney questions.
Under-construction buyers
Collect the cost sheet, payment schedule, project information and stage-wise disbursement requirements.
Resale buyers
Prepare seller ownership, transfer, society, tax, maintenance and existing-loan information.
Plot and self-construction buyers
Ask about land, plan, estimate and construction-stage funding requirements.
Questions every borrower should take to the lender
- What rate applies to my case and how long is the quotation valid?
- Is the rate fixed, floating or a combination?
- What benchmark and spread are used?
- What APR or all-in cost appears in the Key Facts Statement?
- Which lender, legal, valuation and third-party charges apply?
- Which charges are refundable if sanction or disbursement does not happen?
- Is insurance optional and separately priced?
- How can EMI or tenure change after a floating-rate reset?
- How will rate and tenure changes be communicated?
- What conditions must be met before each disbursement?
- How do part-payments affect EMI or tenure?
- What documents and closure confirmation will be returned at the end?
Read the complete lender-question guide →
Independent and private by design
- No lender is ranked or promoted.
- No eligibility or approval prediction is produced.
- No PAN, Aadhaar, salary slip, bank statement or property document is requested.
- Questionnaire answers remain inside the browser tab.
- Calculations or lender policy claims are not generated by an AI model.
Prepared and reviewed by REWS
Prepared by Sahil Tiwari, founder of REWS — Real Estate With Sahil. The tool is designed to help Indian homebuyers organise information and prepare questions before speaking with lenders and qualified professionals.
Last reviewed: 23 July 2026. Regulatory concepts are checked against RBI material; lender-specific requirements must be verified directly.
Read the REWS editorial policy · Explore all home-loan guides