Pre- Payment Charges :
1 No pre – payment charges
2 No Penalty for Pre – closing of entire loan
3 No Balance transfer charges for floating interest rate
4. Accelerated EMI is available with HDFC , Need to contact branch manager for activation of this facility.
5. If profile is satisfactory guarantor is not compulsion.
6. Insurance is not mandatory
7. No mortgage fee
6. No extra charges Except Processing fee 0.5%of loan amount+ service tax (12.36% on 0.5%) or 11236/- which ever is less .
PAYMENT OPTIONS :
Pre Emi : Paying only interest for released amount.
Part Tranching : Paying EMI for just released for amount
CHECKLIST OF DOCUMENTS REQUIRED:
1. Latest Four months pay slips
2. Latest Six months bank statements of salary Account
3. Latest Form-16 from Income Tax Department
4. Pan card & Passport copy for ID proof and signature proof
5. CV with educational details and past Employment history
6. Present Address proof (BSNL bill or ration card or HR letter or Original bank statement) both
7. Processing fee cheque for 11,236/- OR 0.5% + service tax which ever is low (This cheque should be payable at par Or payable at local city).
8. 1 latest photograph
9. Visiting Card
10. If you have any existing loans (personal loan,home loan or Vehicle loans etc…..) needed RTR- Repayment Track Records and EMI paying bank statements of 6 months
11.Increment letter (if applicable).
12.Present offer letter and previous re leaving letter (If employer is less then 1 year)
13. Agreement of sale/ Booking receipt.
