HDFC HOME LOAN: Interest Rate, Documents Required..!

HOME LOAN HDFC LTD

Details	Up to 30 Lacs	Above 30 Lacs	Above 75 Lacs
Interest Rate	10.25 % p.a.	10.50 %p.a.	10.50 % p.a.
Processing fee	0.5 % or Max.            Rs.11,236	Rs 11,236	Rs 11,236
Mortgage charges	0. 2% of loan amount	0.2 % of loan amount	0. 2% of loan amount

             

                                         

DOCUMENTS REQUIRED FOR HOME LOAN SANCTIONING..!:

** Credit Documents

**  Passport size Photograph of Applicant. & Co.- applicant.( Across sign.)

**  Photo-ID proof (Pan card / Passport / Driving license) of both applicant & co-appl.

**  Residence Proof (MSEB / Telephone bill / Company letter.)

**  3 month’s salary slip / Salary Certificate. (Original or Attested by HR)

**  Latest 6 month’s Original Bank Statement of salary account  &  all other a/c (if any)

**  Form no. 16 (previous financial year)

**  Appointment / Confirmation Or Salary increment letter.

**  VOE letter (Verification Of Employment) provided from HDFC ltd. Please find attachment pls take print of it and get fill up from HR.

**  Previous Employer’s details:

Experience or Relevant letter

**  Qualification proof (degree certificate photocopy)

**  Fees cheque favoring  HDFC LTD

**  Loan closer Letter / Loan Outstanding letter with RTR (if any)

**  Margin money proof.(investment details) 15 %

      Agreement cost (minus) - Loan Amount = Own Contribution

             

Documents to be submitted at the time of disbursement

**  Original agreement with registration receipt and index 2

**  Receipts of payment to builder (OCR )

(Agreement cost + M.S.E.B + parking+ Govt. charges)  - Loan amount = OCR

** Bank statement reflecting all OCR debit (OCR clearance )

** NOC from builder in HDFC format

** Demand note from builder

** Disbursement request form

** Sanction plan( if needed )

Very Important note: ,

On the day of home loan disbursement its mandatory on part of applicant and co-applicant to come down to HDFC office to sign the loan agreements and to collect cheque.

While coming both should carry originals of,

-       Photo ID proof, Residence proof Cheque book ( Minimum 13 cheque)

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