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HDFC Home Loan Kaise Le | Instant Loan Online |Eligibility Documents Fee and charges - YouTube
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HDFC Bank Home Loan
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Friends you are from HDFC Bank
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How to take home loan
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in both way online and offline
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do you know
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if you are a farmer
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Still, You Can Take Home Loan From HDFC
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How we will know this in the video
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What documents do you need to get a home loan
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And by following what terms and conditions
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You may be eligible to take a Home Loan from HDFC Bank
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if you are eligible
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So what is the maximum amount of home loan you can get
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to pay back that Home loan amount
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how many months will you get
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and the most important thing is
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After taking the loan,
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what percentage of interest will you have to pay on the loan amount?
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And what extra charges will have to be paid
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We will also know this in this video
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let's know
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before we talk
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Why did we take a home loan from HDFC Bank?
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What are its benefits?
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The benefits are first
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With HDFC you can get a home loan with low interest rate
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Starting Interest Rate in HDFC Home Loan
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is 6.75% per annum
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second benefits
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If you take a home loan in the name of a woman from HDFC
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So in that, you also get a discount of 0.05% in the interest rate
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Third benefits
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Army Group, ie Indian Army Employee
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AGIF facilities are given here
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Which is only for Indian Army Employee
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Fourth benefits
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Its EMI tenure is also flexible
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Here you can get up to 30 years for a maximum repayment
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That is, you get time up to 40 years to repay the loan amount
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Fifth benefits
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In Home Loan, There are many types of Home Loan
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Which are suite according to the customers
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Liek: Home Loan for Resident indian
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Home Loan for Buying a new plot
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Home Loan for indians earnning rs.10000/month
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There are other types of similar home loans in HDFC Bank
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Due to which
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Customers can avail loans according to their needs
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That is, if you want to buy a new plot
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Will he take a home loan with New plot?
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So that they will get some special facility here
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and together
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Here multiple options are also available for making repayment
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Which customers can choose according to their own
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There are many more similar benefits of HDFC Bank Home Loan
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If you want to know about all the benefits
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then you can check out the description
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There are almost all the benefits
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of taking home loan from HDFC are mentioned
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Now it comes to which people can get Home loan from HDFC Bank
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What are the eligibility creteria for home loan
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Friends first of all your age
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Minimum 21 years and maximum 60 years should be
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second thing
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Home loan is provided to both the salaried and self-employed from HDFC
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together who are agriculturalists
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i.e. who is Kishan
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They can also take home loan from HFD
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Here if you are a salaried person
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So your income minimum should be 10000/month
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same if you are a businessman
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i.e. self employed
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Then your income minimum should be 2 lakh per annum
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Then you can be eligible for a home loan
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Now documents are needed
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First of all you need 2 photographs in documents
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In other documents,
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you have to provide identity proof and address proof here
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Which documents can you give under these two documents?
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Its list has been given to you in the description
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3rd
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Here you have to give bank statement of last 6 months
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and fourth
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A cheque has to be given to get the processing fee
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Now let's talk about income documents
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In which agriculturists, Salaried person & Self-employed
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All three have to give different documents
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If you are a salaried person
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then you have to provide latest salary slip
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And form 16 has to be filed and given
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If you are a self employed
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So you have to give the Educators Qualification Certificate
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and Proof of Business here
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That is, you have to give proof that you do business
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And also you have to give educational certificate
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Second
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Here you have to give a copy of the Income Tax Return of the last 3 years
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with and
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Profit and Loss Account for the last 3 years
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and provide balance sheet
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same if you are an agriculturist
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Then, whatever land you have
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Reflecting it, a copy of it has to be given.
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Second, whatever farming are you doing now
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In how much land
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You have to give a copy of the land papers showing that
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Third
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If you already have a loan
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So you have to give a copy of the statement of how you are doing its repayment
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So all these documents will also be shown to you on the screen
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Apart from this, documents differ bank to bank wise
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If you live in rural area then more documents may be taken from you
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If you live in an urban area, then less documents should be taken there
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Now it comes to
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the maximum amount of home loan you can get from HDFC
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Friends, it depends how much your salary is
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Like if you look at the example
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If your salary is 25000 per month
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Then you can take loan up to Rs.13,15,160 here
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And here your Monthly Emmy will be of 10000
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if you want to calculate it
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How much is your income
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and according to that how much loan can you get
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So a link is given in the description
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You have to click on it then you will come to this page
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Here is given calculator
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In which Gross Income is asked first
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Here you have to fill your income according to this line
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And accordingly, you will know here
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What is the maximum loan amount you can get
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And also below you can select EMI Tenure
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that you need so many months
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when you select emi tenure
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So it will also be told to you here below
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That's how much amount of EMI
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In this way you can calculate according to your salary
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How much home loan can you get
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This loan amount also depends on your CIBIL score
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If your CIBIL score is bad
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Then you will be approved less loan amount here
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If you are worse off, you may not even get a loan
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So if you do not know about CIBIL Score
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or your cibil score is bad
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So in the description, there is a link to a dedicated video of CIBIL Score
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you see that video
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With this you will get all the information about CIBIL score
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Then you will be able to improve your CIBIL score very easily
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So now it comes that if you want to take a Home loan
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So how do you get a home loan
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There are 2 ways to take a Home loan
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first online and second offline
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If you want to take Home loan online
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So you will get a link for that in the description
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you have to click on it
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He will redirect you to that webpage of the official website of HDFC Bank
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From where you can apply for home loan directly
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Look here friends, you are seeing 3 options in the sidebar
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Sign up, User ID, & Loan account number
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If your account is already in HDFC Bank
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Then you can use account number here
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Same if you use netbanking
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So you will also have id and password
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you can use it here
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And if you are a new customer
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Not Existing Customer Of HDFC
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you can apply for a loan here using Signup
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Same if you only want to check that
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Are you eligible to take a loan or not?
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Then another link is given for that
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you have to click on that link
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then he will bring you to this webpage
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From where you can check eligibility
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Whether you are eligible to take Home loan from HDFC or not
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So from here, you have to apply online
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After applying your documents will be verified
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Then your eligibility will be checked
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on the basis of your pan card
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And then you will also be eligible for the loan amount
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You will get the message on your registered mobile number
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And from there you will know that you can take this much loan
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Then you will also get a call from HDFC Bank
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Which will tell you the whole process ahead
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How do you proceed,
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then the loan amount will come in your account immediately
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and friends like this
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You can get Home Loan from HDFC Bank by applying online
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Now let's talk about offline
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You do not have to do much to take an offline loan
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Normally wherever near you is the HDFC Bank
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you have to go there
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Tell them that you want to take HDFC Home Loan
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Rest you have to give your full details
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Then they will tell you almost everything about home loan
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After telling then if you want to apply
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then they will give you a form
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that you have to fill
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After filling the form,
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whatever documents
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we have mentioned in the action containing the documents
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You have to attach a copy of them with the FOPM
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Then at the same counter you have to submit that form
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They will check your form as soon as you submit the form
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And then whatever documents you have used there
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Will ask for original copy of all of them
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Then after verifying the original copy,
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they will return your original documents immediately
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after that in 1-2 days
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Your home loan will be approved
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And the loan amount will be dispensed in your given bank account
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So in this way you can get home loan from offline bank
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Now it comes that after taking home loan
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What percentage of interest will you have to pay here?
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And how many months will be available to repay the home loan amount
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Here friends from HDFC Bank
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Starting interest rate is 65%
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And you can get maximum time of 30 years to repay the loan amount
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here if you want to know
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You will be charged the maximum percentage of interest
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so guys let me tell you
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These interest rate charges keep on changing
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So whenever you are watching the video,
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once you must check it in the comment section
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Because from there you will get to know about the updated interest rate
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Now it comes that after taking home loan from HDFC Bank
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What extra charges do you have to pay
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First of all you have to pay processing fee in extra charges
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Which if you are a salaried or self employed individual
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So here you have to pay 0.5% of the loan amount
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Which should be minimum 3000 or more
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Even if there are less than 3000 you have to buy 3000 only
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Same if you are a self employed professional
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Then you have to pay 1.5% of the loan amount
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as processing fee
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And this 1.5% if 4500 or more
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then you have to pay
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If less than 4500
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Even then you have to pay only 4500 as processing fee.
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Similarly prepayment charges
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List of Documents
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Photocopy of Documents
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There are many more such charges
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Whose list you will find in the description
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and in the top comment section of the comment section
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From there you can know about all the charges
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Now comes that if you liked this video
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then you can like this video
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And if you find anything bad in this video
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So you comment in the comment section of this video
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so that we can improve our upcoming videos
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Thank you for watching the video till the last
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