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      Home Business

      All about HDFC Home Loan

      by admin
      2023-06-14
      0 0
      BEST BAD DEBT LOANS WITH NO CREDIT

      Home tax deduction

      Last Updated on 2023-06-14 by admin

      HDFC offers a wide range of Home loans to buy or construct a house, purchase a house, build or renovate a house, and repair a house. It offers all these services at very attractive interest rates along with a hassle-free loan application process, easy loan repayment options, and flexible tenures.

      Also, it offers a huge variety of Home loans that includes Top up Loans, Home Improvement Loans, and Home Extension Loans. Also, the customers can opt to transfer the existing home loan from other lenders to HDFC.

      HDFC Home Loan- A Snapshot 
      Interest Rate 8.50% p.a. onwards
      Loan Amount (LTV Ratio) Up to 90% of property cost
      Tenure Up to 30 years
      Processing Fee ·        For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or INR 3,000, whichever is higher

      ·        For Self-employed Non-Professionals: Up to 1.50% of the loan amount or INR 4,500, whichever is higher

      Just like HDFC, SBI Home Loan can also be availed at an interest rate starting from 8.5% onwards for a period of up to 30 years and for a loan amount of up to 90% of the property cost. Also, it is the largest mortgage provider in the country. It allows its customers to purchase ready-built property, purchase under-construction property, purchase pre-owned homes, construct a house, extension of the house, and repair/renovate.

      Processing Fees & Charges

      Processing Fees For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or INR 3,000, whichever is higher

      For Self-employed Non-Professionals: Up to 1.50% of the loan amount or INR 4,500, whichever is higher

      For HDFC Reach Loan:
      For Salaried/Self-employed: Up to 2% of loan amount + taxes

      (Discounted processing fee of INR 3,000)

      Check Dishonour Charges  INR 300
      List Of Documents Up to INR 500
      Photo Copy Of Documents Up to INR 500
      PDC Swap Up to INR 500
      Disbursement Cheque Cancellation Charge Post Disbursement Up to INR 500
      Re-Appraisal Of Loan After 6 Months From Sanction Up to INR 2,000 plus applicable taxes
      Reversal of Provisional Prepayment under HDFC Maxvantage Scheme INR 250
      Prepayment Charges Adjustable Rate Loans (ARHL) and Combination Rate Home Loans (“CRHL”) during the period of applicability of the Variable Rate of interest- NIL

      Fixed Rate Loans (“FRHL”) and Combination Rate Home Loans (“CRHL”) during the period of applicability of the Fixed Rate of interest- 2% + taxes

      Interest Rates

      Below mentioned are the interest rates for HDFC Home Loan:

      A.    Special Home Loan Rates​​​​​​​: 
      Loan Slab Salaried / SEP Self Employed
      Applicable Interest Rates
      % %
      For all Loans 8.45% – 8.95% 8.45% – 8.95%
      RPLR-18.30%
      B.     Standard Home Loan Rates​​​​​​​
      Loan Slab Salaried / SEP Self Employed
      Home/HIL/HEL/Refinance/Plot Loans Applicable Interest Rates
      Up to 30 Lacs % %
      Women 8.95% – 9.45% 8.95% – 9.45%
      Others 9.00% – 9.50% 9.00% – 9.50%
      30.01 Lacs – 75 Lacs % %
      Women 9.20% – 9.70% 9.20% – 9.70%
      Others 9.25% – 9.75% 9.25% – 9.75%
      75.01 Lacs & Above % %
      Women 9.30% – 9.80% 9.30% – 9.80%
      Others 9.35% – 9.85% 9.35% – 9.85%

       Eligibility Criteria

      Particulars Salaried Individuals Self-Employed Individuals
      Age 21 years to 65 years 21 years to 65 years
      Minimum Income Rs.10,000 p.m. Rs.2 lakh p.a.
      Nationality Resident Indian Resident Indian

      Documents Required

      Below mentioned are the documents required to apply for HDFC Home Loan:

      In the case of Agriculturists:

      • Application form with photograph
      • Identity & Residence Proof
      • Last 6 month’s Bank Statements
      • Processing Fees Cheque

      In the case of Salaried Customers:

      • Application form with photograph
      • Identity & Residence Proof
      • Last 6 month’s Bank Statements
      • Processing Fees Cheque

      In the case of Professionals:

      • Application form with photograph
      • Identity & Residence Proof
      • Last 6 month’s Bank Statements
      • Processing Fees Cheque

      Income Proof:

      • Copies of Title Documents of Agricultural Land depicting Landholding
      • Copies of Title Documents of Agricultural Land depicting crops being cultivated
      • Statement of previous 2 years of loans availed
      • Latest Salary Slip
      • Form 16
      • Educational Qualifications Certificate and Proof of Business
      • Previous 3 years Profit/Loss and Balance Sheet
      • Business Profile and Last 3 years ITR (Self and Business)

      Property Related Documents

      • For New Home
      • Allotment letter copy/Buyer Agreement
      • Payment receipt made to the developer
      • For Home Resale
      • Title deeds including the previous chain of property documents
      • Agreement to sell copy
      • Initial payment receipt made to the seller
      • For Construction
      • The title deed of the plot
      • Copy of the plan approved by Local Authorities
      • No encumbrance proof on the property
      • The total estimate of construction by a Civil Engineer/Architect

      Documents for Home Loan Balance Transfer

      • A letter from the existing lender on his letterhead mentioning the list of property documents held by them
      • Photocopy of property documents
      • A letter from the existing financial institution on their letterhead showing the latest outstanding balance

      Types of HDFC Home Loans

      Below mentioned are the different types of HDFC Home Loans:

      1. HDFC Housing Loan
      2. HDFC Home Loan Balance Transfer
      3. HDFC Reach Loans
      4. HDFC Rural Housing Loan
      5. HDFC Plot Loans
      6. HDFC House Renovation Loans
      7. HDFC Home Extension Loans
      8. HDFC Top-Up Loans
      9. HDFC Pradhan Mantri Awas Yojana
      10. HDFC NRI Home Loans

      Pradhan Mantri Awas Yojna (PMAY)

      Purpose: Purchase/ Construction/ Improvement/ Extension of a house for economically weaker section, lower income group, and middle-income groups along with interest subsidy of INR 2.67 lakhs.

      Household Income:

      • EWS and LIG- Up to INR 6 lakh
      • MIG 1- Above INR 6 lakh- INR 12 lakh
      • MIG 2- Above INR 12 lakh- INR 18 lakh

      Interest Subsidy:

      • EWS and LIG- 6.5%
      • MIG 1- 4.00%
      • MIG 2- 3.00%

      Loan Amount: No cap on the loan amount

      Steps to Apply for HDFC Home Loan Online

      Below mentioned are the steps to apply for HDFC Home Loan online:

      Step 1: Visit the website https://www.hdfc.com.

      Step 2: Click on “Apply for Home Loan”.

      Step 3: Select the type of loan under the “Basic Information” tab.

      Step 4: Click on “Check Eligibility” to see the eligible loan amount.

      Step 5: Click on “Yes’ in case the property has been shortlisted. Fill in the details like Applicant’s name, etc.

      Step 6: Under the tab “Applicants”, choose the residential status and provide all the required details.

      Step 7: Enter the DOB along with the password and click on “Submit”.

      Step 8: Upload the documents required and pay the processing fees to complete the online application.

      Tags: HDFC Home Loan
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