Relax..! Transfer
your home loan to DHFL (Dewan Housing Finance
Corporation Limited) at a lower interest
rate with a Balance Transfer home loan.
Further, you also
have the option of a Top-Up loan over and above the balance you transfer.
Purpose
Balance Transfer of
the existing Home loan from another lending institution.
Are You Eligible?
For the salaried
class, any Indian, of age 18 years minimum and up to the maximum age
of retirement or 60 years, whichever is earlier
For the self employed
category, the maximum age is 65 years.
Amount of Loan:
100 % of Principal
outstanding and other charges based on the loan SOA / Foreclosure statement or
80 % of Market Value whichever is lower
The actual loan amount
is determined taking into various account factors such as:
Repayment
capacity:
Age :
Educational
qualifications :
Stability
and continuity of income :
Number of
dependents :
Co-applicant’s
income
Assets :
Liabilities
:
Saving
habits, and more :
Maximum Tenure of
Loan
DHFL understands the
value of your hard earned money. With a tenure upto 20 years, you can reduce
the EMI amount, so that your outgoings every month do not come in the way of
your lifestyle and living standards.
The tenure of your Home
Construct loan ranges from 1 to 20 years maximum. The term however does not
extend beyond the retirement age or 60 years whichever is earlier (65 years for
self employed individuals).
Interest Rate
DHFL offers one of
most competitive rates in the market. As per the guidelines set by NHB (a
subsidiary of RBI) the Interest rate applicable is based on the Retail Prime
Lending Rate (RPLR) which varies from time to time. DHFL offers interest rates
at discounted rate on the RPLR. Depending on the loan amount, the interest rate
varies.
Nominal Processing
Fees
The dream home you
want to construct must be free of any legal & techinical encumbrances. DHFL
charges a fee for a thorough legal and technical evaluation of the property to
ascertain and make sure that it is as per norms and legal procedure. This
safeguards and secures your property.
At the time of
processing your loan, a one-time fee is chargeable: 1% of loan amount (SAL) and
1.5 % of loan amount (SEP / SENP). Service tax extra as per government rules.
Easy Repayments..!
To make repayments
easier, we offer customers two simple
options of repayments.
You have 2 options for repayment of the loan
based on the EMIs payable:
1) Through ECS
(Electronic Clearing Service) based on standing instructions to your bank
2) PDCs (Post Dated
Cheques) drawn on your Savings/Salary account
Simple Security..!
Balance Transfer and
Balance Transfer + Top-Up Loans are secured loans. We are governed by the
National Housing Bank (NHB) guidelines
- a subsidiary of RBI and as a
security, the property is mortgaged by depositing the registered sale deed of
the property in question and ONLY DHFL will have FIRST CHARGE on the property.
Easy Documentation..!
As per government
rules and regulations, we’re required to adhere to certain procedures on
documentation. Therefore to enable us to speedily process your home loan
application, we will require the following:
1. KYC (Know Your
Customer) documents
2. Proof of Income documents
and bank statements as per log-in checklist
3. Property related
documents as per log-in checklist.
Income Tax Benefits
As per IT Rules, the
current applicable exemption u/s 24 is Rs. 1.5 lacs for the interest amount
paid in a financial year and up to Rs.1 lac for the Principal amount repaid in
the same year. Thus up to Rs. 2.5 lacs is tax exempt, helping you save up to
Rs. 70,000 tax annually.
Do not succumb to the
high interest burden on your existing home loan. Fill in the Enquiry Form
alongside. Our Representative will get in touch with you to help you through
the entire loan process. Enjoy a better life with the money you save!
Dewan Housing Finance
Corporation Limited -
DHFL - Customer Care
HDIL towers, Ground
Floor,
Anant Kanekar Marg, Bandra
East, Mumbai -400051
E-mail:
response@dhfl.com
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