How to take HDFC Bank Home Loan?
HDFC Bank Se Home Loan Kaise Le - Friends, how can you take HDFC Bank home loan both online and offline, do you know that even if you are a farmer, you can take home loan from HDFC and know how to take it.
What documents do you need to get a home loan and by following what terms and conditions you can be eligible for a home loan from HDFC Bank. And if you are eligible then how much amount you can get home loan and for how many months you will get to pay back that loan amount and most important thing after taking the loan, what percentage of interest will you have to pay on the loan amount and who We will also know which extra charge will have to be paid, let us know.
इसे भी पढ़े – How to apply for loan from Aadhaar Card
What are HDFC Bank Home Loan Benefits?
First of all let us talk about why take a home loan from HDFC, what are the benefits
• Age should be minimum 21 years and maximum 60 years
• Home loan is provided from HDFC to both the salaried and self-employed, also those who are farmers can also take home loan from HDFC
• If you are a salaried person then your income should be minimum 10000 per month
• Same if you are a self-employed businessman, then your income should be minimum 2 lakh per annum, then you can be eligible for home loan
# income document
In which the farmer, the salaried person and the self-employed self-employed will have to give separate documents.
If you are a salaried person then you have to provide latest salary slip and fill and submit Form 16.
If you are self-employed then you have to hold teacher qualification certificate and do business here i.e. you have to provide proof that you do business and you have to give education certificate.
Here you have to give copy of Income Tax Return of last 3 years and give Profit and Loss Account of last 3 years with Profit and Loss Account for last 3 years and Profit and Loss Account for last 3 years and the same If you are a farmer, then you have to give a copy of whatever land you have. Second, you will need to provide a copy of the land documents showing the amount of land you are currently cultivating. Third, if you already have a loan, you will need to provide a copy of the details of how you will repay it. are doing.
Maximum loan amount
Friends, the amount of home loan you can get from HDFC, it depends on how much is your salary if you look at the example, if your salary is 25000 per month then you can take a loan of up to Rs 1315160 here and here Your monthly EMI will be 10000.
Click here - Hdfc loan Calculator
This loan amount also depends on your CIBIL score. If your CIBIL score is bad then you will get this loan amount sanctioned here and if you are in worse position, you may not even get the loan.
How to get online home loan from HDFC?
Click here - Online Apply
How to Apply HDFC Offline Home Loan?
To take offline HDFC Home Loan, you have to visit the nearest HDFC Bank.
There is a counter in the bank which only helps you regarding the loan and there you have to go and meet him and talk about the home loan. And by going there you will get a form and after filling that form you will have to submit the photo copy of all the documents which I have told you along with the form. Whatever document you need will be mentioned in your form. After the last thing is completed, from where you have taken the form, the counter from which you will have to submit the form and in that counter you will be asked for original documents for document verification and then he has asked you to go home and 1 to 2 Will call you again after a day and then tell you how much amount you can get hdfc home loan. When you take hdfc loan then your loan agreement will have to be done and after the agreement is done and in no time your loan amount will be transferred to your given bank account. And in this way you can take home loan by applying offline.
How much interest will be charged for taking home loan from HDFC Bank?
With HDFC Bank, Friends offers an introductory interest rate of 6.7% and you can get a maximum tenure of 30 years to repay the loan amount.
Here if you want to know that the maximum percentage of interest you will be changed then friends let me tell you that this interest rate change keeps on changing.
HDFC Bank Home Loan Extra Charge
HDFC Bank Se Home Loan Kaise Le - First of all you have to pay processing fee in addition if you are a salaried or self-employed person then hair you have to pay 0.5% of the loan amount which is at least 3000 more then 3000 even if it is less than 3000 Just have to give.
Same if you are a self-employed professional, when you have to pay 1.5% of the loan amount as processing fee and it is 1.5% if more than 4500 then you have to pay, less than 4500 you have to pay in the processing field As only 4500 has to be paid, similarly the prepayment fee is the list of documents, photocopies of documents, and many more
Also read -Sbi Se Home Loan Kaise Le In Hindi
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