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HDFC Bank Home Loan Bangalore | Apply home loan online

Home Loan Bangalore is the perfect place for people seeking loan from HDFC Bank. At Home Loan Bangalore we provide excellent services right from the application of the loan to the disbursement of the loan amount.

HDFC Bank or Housing Development Finance Corporation is a leader in housing finance. Pioneered in 1977 HDFC LTD. has till now successfully given home loan to 4.9 million customers. This has been made possible due to the various facilities and benefits given by HDFC Bank to its customers. It charges competitive interest rates and has flexible loan repayment options. HDFC Bank also offers different loan schemes to suit everyone’s requirement.

Features and benefits of Home Loan

Interest Charges

The interest rates depend upon the home loan schemes chosen by the loan seeker and the amount of loan borrowed. Currently the interest rates range from 10.15% to 10.50%.

Other charges

Processing fees: HDFC LTD. charges up to 0.50% of the loan amount or Rs.2000/- whichever is higher, plus taxes as applicable. In case of self employed Non-professionals it charges processing fees up to 1.50% the loan amount or Rs.3000/- plus taxes as applicable

Prepayment Charges

The prepayment charges are generally NIL. But the bank charges up to 2% plus taxes as applicable as prepayment depending on the nature of loan availed.

Conversion Fees

HDFC Bank offers loan conversion facility to its customers in order to reduce the applicable rate of interest. It charges a nominal fee in the of 0.50% or 1.75% of the principal outstanding plus the undisbursed amount and taxes as applicable depending on the type of conversion.

Home Loan Eligibility

HDFC Bank decides the loan eligibility mainly on the basis of the income and the loan repayment capacity of the loan seeker. It also considers other important factors like age, qualification, number of dependents, assets & liabilities, savings history, stability of the occupation and income of the spouse.

Required Documents for Home Loan

Document Salaried Self Employed
Proof of Identity/residence (any one) Valid Passport, Voter ID Card, Aadhaar Card, Pan Card Valid Passport, Voter ID Card, Aadhaar Card, Pan Card/TAN Card
Proof of Income
  • Pan Card
  • Last 3 months Salary slip
  • Last 6 months Bank Statements with salary credits
  • Latest Form-16 and IT Returns
  • Pan Card/TAN Card
  • Income Tax Returns with computation of income for last 3 assessment years
  • Last 3 years Balance sheet and profit & Loss A/c statements
  • Last 6 months Current a/c statements of the business entity and savings A/c statements of the individuals
Other Documents
  • Employment Contract/ Appointment letter if current employment s less than 1 year
  • Last 6 months Bank Statement showing repayment of loans
  • Passport size photo of the applicant and the co applicant affixed on the form
  • Cheque for processing fees
  • Business Profile
  • Latest Form 26A
  • List of Directors and Shareholders with their individual shareholding certified by CA/CS if it is a company
  • MOA and AOA of the company
  • Details of the ongoing loans of the individual and the business entity with the details
  • Passport size photos of all applicants and co applicants affixed on the application form
  • Cheque for the processing fees
Property related documents
  • Copy of the allotment letter
  • Receipts of the payments made to the developer
  • Copy of the allotment letter
  • Receipts of the payments made to the developer
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