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HSBC Home Loan in India

After achieving great heights of success in the international market, HSBC Bank has now established its recognition and worth in India as well. Situated in almost all parts of India namely Delhi, Mumbai, Pune, Bangalore, Kolkata, Chennai and many more places this bank provides home loans for a number of reasons. Right from loan for a ready property, construction of a property, renovation of our house or self construction; loans can be easily availed. The HSBC India home loan rates start from Rs 5 lacs Rs 3 crores and the maximum time given for repayment of this amount is 25 years. Along with it, the bank also gives out options of flexible repayment of the loan. These borrowers can choose whether to opt for a fixed rate or a floating rate of home loan. They can also avail the option of switching over from fixed rate of home loan to a floating rate without any extra cost. Once the bank approves the home loan rate, the customers are given a free 'Gold credit card'. This credit card waives off the first year's annual charges.

HSBC Housing Loan

  • In order to qualify for the HSBC Home Loan, a minimum of Rs 150,000 per annum should be the net income of the applicant of the loan
  • 21 years is the minimum age limit for loan's application
  • The maximum age limit for government employees and public limited company employees is 65 years and 60 years whereas, the maximum age limit for a salaried person is 58 years respectively
  • Loan is given starting from a minimum amount of Rs 500,000 and a maximum of Rs 3 crores

Detailed HSBC India home loan rates are given after submission of following documents:

In case of salaried individuals:

  1. A complete loan application form along with one passport size photograph
  2. Age, Identity and residence proof
  3. Latest salary slip, bank statements, acknowledged IT returns for the last 3 months

In case of self employed individuals:

  1. Loan application form duly filled in with one passport size photograph
  2. Identity, Age and residence proof
  3. Balance sheet for the last 2 years after certifying by a Chartered Accountant
  4. Last 2 years copies IT returns duly acknowledged
  5. Bank statements for previous 6 months
HSBC India also offers a home loan calculator which acts as a very useful tool in making heavy calculations on the loan applied. The user would have to mention the amount of loan needed, the tenure and the rate of interest. The home loan calculator would then calculate the EMI falling on that particular amount.

Read about more on HSBC Home Loan India on the link www.hsbc.co.in



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