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Product Details
Bank Name

HSBC

Maximum Loan Tenure

Not specified.

Maximum Loan Amount

40,00,00,000

Interest Rate

8.5%

Type

Floating.

Sustainable Mortgage.
Down Payment

Not specified.

Fees and Charges

Processing fees- 0%
Prepayment penalty: Nil for floating rate loans.
Legal Charges: At actuals.
Stamp Duty and Registration Charges: At actuals.

Minimum CIBIL Score

Not specified.

Down Payment and Fees
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Sustainable Mortgage.

Special Features
Eligibility Criteria

Here is the eligibility criteria for HSBC Sustainable Mortgage Loan:

  • Income:Minimum net income of INR 5 lakh per annum for salaried individuals.
    Minimum net income of INR 7.5 lakh per annum for self-employed individuals.

  • 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:Applicants must be Indian residents or citizens.
    Applicants must be employed or self-employed with stable income.
    A good CIBIL score (ideally above 700) is generally required.
    Maximum loan amount varies based on factors like income, property type, and location.
    LTV (Loan-to-Value) ratio typically ranges from 75% to 90% of the property's appraised value.

Properties are certified as 'sustainable' by the following authorities:

  • Green Rating for Integrated Habitat Assessment (GRIHA)- 4 STAR and 5 STAR

  • Indian Green Building Council (IGBC)- IGBC Platinum and IGBC Gold


Additional documents required:

  • Identity and address proof.

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

  • Bank statements.

  • Property documents

Special Concession

Processing fee is waived off completely. 

Home Saver Option

No.

Features, Eligibility and Concession
Pros
Cons
Pros & Cons
Application Procedure

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