Home Loan from HDFC Ltd - IndusInd Bank Ltd

Revised ROI
PRODUCT SAL / SEP SENP
HL / HIL / HEL / BT APPLICABLE ROI
UPTO 30 LAKHS % %
WOMEN 8.35 8.50
OTHERS 8.40 8.55
30.01 -75 LAKHS % %
ALL CATEGORIES 8.50 8.55 - 8.75
ABOVE 75 LAKHS % %
ALL CATEGORIES 8.55 8.60 - 8.80
PLOT LOANS APPLICABLE ROI
UPTO 30 LAKHS % %
WOMEN 8.60 8.75
OTHERS 8.65 8.80

PROCESSING FEES

1. Salaried/Professionals - 10,000 or 0.5% of the loan amount (whichever is lower) plus S.T.
2. Self-employed – As per below GRID under *Special campaign till 30thJun’17*

Loan Amount Applicable Fee

Upto Rs 2.00 crs 0.25% or Rs 35,000/- whichever is lower , plus taxes
Over Rs 2.00 crs to Rs 5.00 crs Rs 50,000/- plus taxes
Above Rs 5.00 crs Rs 1,00,000/- plus taxes

*** Legal charges as per HDFC policy upto 5000/- ***

LOAN TO VALUE RATIO

Home Loans
Home Loans (Refinance with Top Up/ HEQ)
(Primary & Resale) If HL is 60% and more If HL is below 60% in
in the total loan the total loan*
Loan Loan Loan
amount amount amount
LTV/LCR LTV LTV
( Rs in ( Rs in ( Rs in
Lakhs) Lakhs) Lakhs)
0-30 85% 0-30 80% 0-30 70%
30.01-75 75% 30.01-75 75% 30.01-75 70%
75.01-300 75% 75.01-300 75% 75.01-300 70%
>300 70% >300 70% >300 60%
Properties:-
1. All HDFC approved builder projects/societies
2. Free hold/lease hold property with proper registry and approved authority maps
3. Plots approved by authority or any reputed builder
4. No agricultural lands & unauthorized/unapproved colonies
5. Commercial property (ready-to-move-in only) by authority or approved builders - Office space and shops
6. No property to be funded if it doesn’t have approved authority map

Home Loan Products:-

1. New purchase/Direct Allotment - from builder & authority
2. Resale Transactions
3. Land/Plot Loan
4. Construction/Renovation/Home Improvement Loan
5. Balance Transfer from other banks
6. Top-up

Documents for Home Loan from HDFC Ltd

Salaried Case:-
1. One photo, pan card copy, residence address proof
2. Last 3 months salary slip
3. Last 6 months salary bank statement
4. Last 2 years form 16
5. Loan schedule of any existing loan
Self-Employed Case:- (Proprietor)
1. Pan Card, one photo, residence address proof, Office address proof
2. Last 3 years complete financial including ITR, computation, balance sheet, P&L statement, auditor report, etc.
3. Form 26AS for last 3 AY, Business profile
4. Last 6 months bank statement - savings, current, OD/CC (all bank accounts)
5. Loan schedule of any loan running from bank statement
For Pvt Ltd Co:-
1. Company Pan card, MoA/AoA, CA attested Shareholding and Director List
2. Director 3 years ITR and computation
3. Director Form 26AS for last 2 years
4. Director Pan Card, one photo, residence address proof
5. Company Last 3 years complete financial including ITR, computation, balance sheet, P&L statement, auditor report,
etc.
6. Company Form 26AS for last 3 AY
7. Company Business profile
8. Last 6 months bank statement - savings, current, OD/CC (all bank accounts)
9. Loan schedule of any loan running from bank statement
For Partnership Firm:-
1. Firm Pan card Partnership Deed
2. Partner 3 years ITR and computation
3. Partner Form 26AS for last 2 years
4. Partner Pan Card, one photo, residence address proof
5. Firm Last 3 years complete financial including ITR, computation, balance sheet, P&L statement, auditor report, etc.
6. Firm Form 26AS for last 3 years
7. Firm Business profile
8. Last 6 months bank statement - savings, current, OD/CC (all bank accounts) (Firm and Partners)
9. Loan schedule of any loan running from bank statement (Firm and Partners)
10. Photocopy of complete chain of property documents plus approved maps

For Balance Transfer Cases –

List of Documents,
Foreclosure Letter
Property Documents –
Complete chain , Tax receipt and Sanction plan / Occupancy Certificate / Completion Certificate