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उत्पाद विवरण
बैंक का नाम

HSBC

अधिकतम ऋण अवधि

Loans are available for tenures up to 25 years for salaried customers and up to 20 years for self employed customers up.

अधिकतम ऋण राशि

Loans ranging from INR 3,00,000 up to INR 40,00,00,000.

ब्याज दर

8.45% p.a. (Balance Transfer Loans), 8.75% p.a. (Salaried), 8.85% p.a. (Self-employed)

प्रकार

Floating

HSBC Home Loan
अग्रिम भुगतान

Not specified.

फीस और शुल्क

Processing fees- 1% of the loan amount sanctioned or INR10,000, whichever is higher (plus applicable taxes)
Pre payment charges: For floating rate Home Loan: No pre-payment charges.
Prepayment penalty: Nil for floating rate loans.
Legal Charges: At actuals.
Stamp Duty and Registration Charges: At actuals.

न्यूनतम CIBIL स्कोर

Not specified.

डाउन पेमेंट और शुल्क

HSBC Home Loan

विशेष लक्षण

No prepayment penalty in case of floating rate loans.

पात्रता मापदंड

HSBC home loan eligibility in India depends on several factors, but some key criteria include:

Income:

  • Salaried: Minimum net income of INR 5 lakh per annum.

  • Self-employed: Minimum net income of INR 7.5 lakh per annum.

Age:

  • Minimum age at application: 21 years.

  • Maximum age at loan maturity:58 years for salaried applicants.
    60 years for public limited/government employees.
    65 years for self-employed applicants.

Other important criteria:

  • Nationality and residency: Applicants must be Indian residents or citizens.

  • Employment: Applicants must be employed or self-employed with stable income.

  • Credit score: While not explicitly mentioned, a good CIBIL score (ideally above 700) generally improves your chances of approval and potentially secures better loan terms.

  • Loan amount and property value: Minimum loan amount is INR 3 lakh. Maximum loan amount varies based on factors like income, property type, and location. LTV (Loan-to-Value) ratio also plays a role, typically ranging from 75% to 90% of the property's appraised value.

Additional documents required:

  • Identity and address proof.

  • Income proof (salary slips, ITRs, etc.).

  • Bank statements.

  • Property documents.

विशेष रियायत

None.

होम सेवर विकल्प

Not available.

विशेषताएं, पात्रता और रियायत
पेशेवरों
  • Wide Range of Loan Amounts: Loans ranging from INR300,000 up to INR 400,000,000.

  • Flexible Property Types: Loans available to Resident Indians and Non-Resident Indians (NRIs) for ready properties, select under construction properties approved by HSBC.

  • NRI applicants must have a local co-applicant or a local contact person.

  • Long Loan Tenure: Loans available for tenures up to 25 years for salaried customers and up to 20 years for self employed customers. 

  • Competitive Interest Rates.

  • No Pre-payment Charges for Floating Rate Loans. 

  • Low thereshold for minimum salary. Minimum net income of INR500,000 p.a (salaried)4 or INR750,000 p.a (self-employed). 

दोष
  • High processing fee. 

  • No home saver option. 

पक्ष विपक्ष
Application Procedure

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