उत्पाद विवरण
बैंक का नाम
HDFC Bank
अधिकतम ऋण अवधि
Up to 30 years.
अधिकतम ऋण राशि
Not specified by the bank.
ब्याज दर
9.40% to 10.75% per annum.
प्रकार
Floating
अग्रिम भुगतान
Loans up to and including ₹30 lacs: 90% of the property cost.
Loans from ₹30.01 lacs to ₹75 lacs: 80% of the property cost.
Loans above ₹75 lacs: 75% of the property cost.
फीस और शुल्क
Processing fees- For salaried, self-employed professionals: Upto 0.50% of the loan amount or Rs. 3000 whichever is higher, For self-employed non-professionals: Upto 1.50 % of the Loan amount or Rs. 4500 whichever is higher.
Pre-payment charges: NIL for floating interest rate.
Late payment charges: A maximum of 18% per annum on overdue instalment amounts.
Legal charges: At actuals.
Stamp Duty and registration charges: At actuals.
न्यूनतम CIBIL स्कोर
Not specified by the bank.
डाउन पेमेंट और शुल्क
Rural Housing Loan
विशेष लक्षण
No requirements for Income Tax Returns for Agriculturists.
पात्रता मापदंड
Age: 18-70 years.
Profession: Salaried/Self-Employed/Agriculturists(Farmers, Horticulturists, Planters, Dairy Farmers, Fish Farmers etc.)
Nationality: Resident Indian.
विशेष रियायत
No
होम सेवर विकल्प
No
विशेषताएं, पात्रता और रियायत
पेशेवरों
Available for Agriculturists.
Loan tenure of up to 30 years.
दोष
Low LTV ratio.
No Home Saver option.
पक्ष विपक्ष
Application Procedure
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