HDFC HOME LOAN
HDFC Home Loan (Home Loan)
        
It is important to choose a good housing finance company which can handhold the customer right through his home buying process. Since a home loan is a long term commitment of 15-20 years, several factors like expertise, quality of service, in-depth domain knowledge and the company’s level of commitment and transparency right through, the loan procedures, the fine print, quality of services offered and safe retrieval of the title deed are critical. HDFC have shared new hopes, joys and emotions with over 4.02 million customers.
Location: India
Lender/Broker: Lender
Advantages:
1. Counselling and advisory services for acquiring a property
2. Instant Home Loan Approval
3. Widest range of home loan products & services like Home Loans, Home Improvement Loans, Home Extension Loans, Loans to professionals for office or clinic, Home Equity Loans (Loan against Property), Short Term Bridging Loan etc.
4. Loan from any office for purchase of home anywhere in India
5. Loan approval even before a property is selected
6 Flexible loan repayment options like Step Up Repayment Facility, Flexible Loan installments Plan, Tranche Based EMI, Accelerated Repayment Scheme
7. Vast network of over 287 offices in India, offices in Singapore, London & Dubai and franchises in the Gulf Cooperation Council (GCC) region. Click here to find the nearest HDFC Office.
8. Most experienced and empowered personnel to ensure smooth & easy processing
9. Free & safe document storage
10. Online loan application facility
Disadvantages:
1. Fees - 0.5% of the loan amount applied plus applicable service taxes and cess.
Services:
Counselling and advisory services for acquiring a property

APR: Up to 12%Interest Type: Fixed Rate
Min Tenure: 1 YearMax Tenure: 20 years
Loan Amount: Up to Rs. 2,000,0000Processing Fee: 0.5% (Loan)
Min Annual Income: Ask on application
EMI Equated Monthly Instalment: From Rs.16, 731

Home Loan Type: Home Loan

Secured Loan: NoUnsecured Loan: No

Terms and Conditions:
Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be coowners.
Identification:
Application form with photograph
Suitable:
Purchase of Flat, row house, bungalow from developers
Restrictions:
Maximum loan is 80% of the cost of the property (including the cost of the land) and based on the repayment capacity of the customer.
        

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