Zero hassle, transparent service and an exhaustive list of products which enables every individual to apply for a hosuing loan through us with HDFC Ltd.
IndusInd bank
offers doorstep service & home loan specialists who help you in the home
loan process with timely intervention to make your home purchase a delight!
Features &
Benefits
* Attractive Interest Rates
* Easy Documentation
* Fast Processing
* Transparent Dealings
* Door step
service
Housing loan is
extended for the purpose of Purchase of
land and construction of a residential property
Purchase of New
Flat / House
Purchase of old
house / flat along with undivided share of land
Extension/
modification of existing house / flat
Loan against
property (Residential property)
Balance takeover
from banks/HFC
Home Loans at
the sole discretion of HDFC Ltd.
Maximum loan: 80 % of the cost of the property (including
the cost of the land) and based on the repayment capacity of the customer.
Maximum Term:
20 years subject
to your retirement age.
Applicant and
Co- Applicant to the loan
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.
Adjustable Rate
Home Loan
Loan under Adjustable
Rate is linked to HDFC's Retail Prime Lending Rate (RPLR). The rate on your
loan will be revised every 3 months from the date of first disbursement, if
there is a change in RPLR, the interest rate on your loan may change. However,
the EMI on the housing loan disbursed will not change*.
If the interest
rate increases, the interest component in an EMI will increase and the
principal component will reduce resulting in an extension of term of the loan,
and vice versa when the interest rate decreases.
* Conditions
Apply
Documentation..!
Salaried
Individual
Personal
Documents in all cases
* One photo each
for applicant and the co-applicant.
* ID proof: Copy of Passport, PAN card, driving
License, Voter’s ID.
* Current address proof: Copy of Passport,
Driving License, Electricity/telephone bill, *
Bank a/c statement.
* Copy of PAN card.
* 3 months salary slip
* Latest Form-16
* Latest IT
returns
* Appointment
letter/increment letter
* Bank statement
from salary account showing salary credits for last 6 months.
* Other bank a/c
statements for last 6 months
* Details of EMI for any other loan
Self Employed
Proprietorship firms:
* IT returns for last three years with P&L
a/c and balance sheet.
* Audit report
if the firm is subject to audit
* 6 months bank A/C statement for firm
* 6 months bank A/C statement of the
proprietor.
Business profile .
Partnership
firm:
IT returns for
last three years with P&L a/c and balance sheet in the name of firm.
IT returns of
the partners for last three years.
Partnership
deed.
Audit report if
the firm is subject to audit
6 months bank
a/c statement for firm
6 months bank
a/c statement of the partners.
Business profile
on firm’s letterhead .
Private Limited
Firm:
IT returns for
last three years with P&L A/C and balance sheet in the name of firm.
IT returns and
Form -16 of the individual directors for last three years.
Memorandum and
the articles of association of the firm.
Audit report if
the firm is subject to audit
6 months bank
A/C statement for firm
6 months bank
A/C statement of the individual directors.
Business profile
on firm’s letterhead
Copy of firm’s
PAN card
Additional
personal docs in case of NRIs:
Copy of Passport
and Visa.
Copy of valid
work permit (if applicable).
Copy of
appointment contract.
Credit report
from recognized credit agency of that country,
Copy of NRE /
NRO bank statements for last 6 months.
For further
details Email:
reachus@indusind.com
Call: BSNL &
MTNL subscribers: 1800 22 0061 Other
subscribers: 1800 209 0061 / 022 - 4406
6666
Chennai - Adyar
Sreela Terrace, Old No. 48, New No.105, 1st Main Road, Gandhi Nagar - 600 020
Chennai -
Aminjikarai No 1 & 2, Lakshmi Ammal, St.Ayyavoo Naidu Colony, Aminjikarai,
Chennai - 600 029
Contact Details
for Premium Banking
Exclusive Phone
Banking
Available 24 x 7
All Subscribers
:1860 267 7777, 022 - 4220 7777.
E -Mail at
exclusive@indusind.com
Contact Details
for Banking
Available 24 x 7
All subscribers:
1800 209 0061, 1860 500 5004.
Other customers:
1800 22 0061, 022 - 4406 6666
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