Past sale deeds reqd for home loan

It depends upon the Financial Institution/Bank from whom you wish to avail the Housing Loan. Each organization has its own set of rules to safeguard their own interest. In any case, the title shall be traced for the last 13 years. Therefore, if the documents stated by you are covering how the title passed on person to person in the last 13 years, it would be enough.

The sale deeds, link documents must convince the Bank's Counsel as he alone is having a say on studying documents.

It all depends on Bank's Counsel and in general last twelve years' possession and enjoyment with such original title deeds and other certified copies of link documents, EC, Revenue records, tax paid receipts are sufficient.  (DEVIL-TFormalities-Documents, Encumbrance certificate, Valuation certificate, Insurance, Legal opinion, Tax paid receipts)

In order to register a document with the Registrar of Stamps, you do not require a chain of previous documents. Only the last ownership registered document will suffice.

The ultimate purpose of the query is: From a home loan perspective, is it sufficient to just provide these two deeds (release deed & sale deed). Will the absence of previous sale deeds pose any challenge in securing a home loan or even registering the property?"

 

Yes, registration does not require any such documents. As to requirements of financial institutions, the best course is to ascertain from the institution concerned.