HDFC Sales Home Loan
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Check HDFC Sales Home Loan Eligibility
Home Loan Banks | Interest Rate | Processing Fee | Rating | Loan Amount/Tenure | |
|---|---|---|---|---|---|
HDFC Sales Home Loan | 7.55% - 8.05% | Up to 0.5% | ₹5L - ₹10Cr Tenure(Up to 30 Years) | Details |
Features of HDFC Sales Home Loans
- Loans can be availed for the purchase of flats, bungalows and row-houses from private construction companies in approved projects.
- HDFC Sales provides loans on purchases from Development Authorities.
- Loans can be availed for the purchase of properties from existing Apartment Owners Association/Co-operative Housing Society/Development Authorities settlements or privately built-up homes.
- Loans are also provided for leasehold properties.
- Acts as a legal and technical expert for making the right property choice.
Benefits of HDFC Sales Home Loans
- Fully Digitized Process: With HDFC Sales, you can apply for a home loan from the comfort of your home. Once the loan is sanctioned, you can access your home loan account through the company’s website, request disbursement, check your account statement and retrieve your interest certificate.
- Flexible Repayment Plans: With tailor-made repayment plans, you can customize your home loans according to your requirements.
- Minimal Documentation: The hassle-free documentation process makes the HDFC Sales Home Loan application swift and easy.
- Round-the-Clock Assistance: With 24/7 assistance at every step, you can ask queries and get help through chat on the website and via WhatsApp.
Eligibility Criteria for HDFC Sales Home Loans
| PARTICULARS | CRITERIA |
| Applicant’s Age | 21 - 65 Years |
| CIBIL Score | 750 or above |
| ,Minimum Income |
|
| Maximum Tenure | 30 Years |
| Financial Position | The current and future financial standing of the applicant will determine the loan amount that will be sanctioned to you |
| Credit History | A positive credit history with no liabilities standing will create a positive impact |
Fees and Charges for HDFC Home Loans
| Processing Fees | 0.50% on the loan amount or INR 3,000 (whichever is higher) |
| Retention Amount | 50% of applicable fees + applicable taxes |
| External opinion fees |
|
| Property Insurance | Insurance is directly payable to the insurance provider |
| Late Repayments | Liable to pay additional interest upto 24% p.a. |
| Incidental Charges |
|
| Statutory and regulatory charges | All the applicable charges shall be paid by the customer |
| Cheque Dishonoured | INR 300 |
| PDC Swap | Upto INR 500 |
| Disbursement Cheque Cancellation Charge Post Disbursement | Upto INR 500 |
| Re-Appraisal Of Loan After 6 Months From Sanction | Upto INR 2,000+taxes |
| Reversal of Provisional Prepayment under HDFC Maxvantage Scheme | INR 250+ applicable taxes |
Documents Required for HDFC Sales Home Loan
| Identify and Residency |
|
| Income Proof |
|
| Property Proof | New Home
|
| Other Documents |
|
HDFC Sales Home Loan Customer Care
| Contact Number | 91-9289200017 |
| SMS Number | 56767 (SMS Format: HDFCHOME) |
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Financial Calculators
Mutual Fund Scheme
Mutual Fund Sector
Gold & Silver Rate
FAQs
From refinancing to reducing your interest, we have the answers right here.
What are the eligibility criteria for HDFC Sales Home Loans?
HDFC Sales determines your eligibility primarily by analysing your income and credit history. Other factors include your age, CIBIL score, financial history and the number of dependents.
Do I get tax benefits from home loans?
Under the Income Tax Act 1961, you can avail of tax benefits on the principal and interest amounts.
What does EMI mean? How is it calculated?
An EMI means an estimated monthly instalment. It is the amount you pay to the bank monthly till the loan is fully repaid. The formula used to calculate the EMI is EMI = [P x R x (1+R) ^N]/ [(1+R) ^N-1]. Here, P stands for principal, R is the rate of interest, and N is the number of years.
What are the benefits of a co-applicant?
By adding a co-applicant, you can maximise the loan amount. If the co-applicant is a woman, you can avail of lower interest rates.
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