DOCUMENTATION
| DOCUMENT |
DETAILS |
| Identity Proof (Any one) |
Pan Card
Passport
Voter Id Card
Driving License
Identity Card issued by Employer |
| Address Proof (Any one) |
Passport
Electricity Bill
Telephone Bill
Ration Card
Lease Agreement |
| Photographs |
1 passport size photograph |
| Income Proof |
Salaried:
- Latest 3 months salary slips
- Form 16 (latest year)
- ITR (latest year)
Self-Employed:
- ITR, P&L and Balance sheet for latest 3 years OR Proof of business (3 years)
|
| Bank Statements |
Latest 6 months |
|
|
INTEREST RATE, FEES AND CHARGES
| Housing Loans |
| Category |
Loan Amount Slab |
Fixed |
Floating |
One Time
Processing Fees
|
| Min |
Max |
Min |
Max |
| Salaried |
Upto Rs. 5 lakhs |
15.50% |
16.00% |
12.90% |
14.00% |
| Rs. 6500 + Service Tax* |
| Rs. 8500 + Service Tax* |
|
| |
Above Rs. 5 lakhs |
15.50% |
16.00% |
12.90% |
14.00% |
| Self-Employed |
Upto Rs. 5 lakhs |
16.50% |
17.50% |
12.90% |
15.00% |
| Rs. 7500 + Service Tax* |
| Rs. 10000 + Service Tax* |
|
| |
Above Rs. 5 lakhs |
16.50% |
17.50% |
12.90% |
15.00% |
| |
| Home-Equity/Loan Against Property |
| Salaried |
|
|
|
16.50% |
18.50% |
Rs. 10000 + Service Tax* |
| Self-Employed |
|
|
|
16.50% |
18.50% |
Rs. 12500 + Service Tax* |
*Service Tax @ 12.36% HFFC PLR - 14.5% Wef: 1st Feb' 2013
Note:
- For Home-Equity/Loan Against Property cases, legal and technical charges will be charged in addition to above fees
- Stamp duty applicable for Memorandum of Equitable Mortgage will vary depending on location and will be charged for all cases in addition to above fees
- Other Charges |
