Table of Content
If you don’t get a satisfactory response from any the above-mentioned channels within a turnaround time of 30 working days of registering a complaint then you may approach the Banking Ombudsmen. When you press 3 your call will be directed to the loan department and you can directly talk to a loan expert about your home loan queries. How long have you been living in a rented house in the city? Home Loans are generally extended for purposes such as the purchase of houses, construct... Please make sure you only take serious and prioritised grievances or concerns while approaching these officers.
Till now, I am highly satisfied with the services provided by HDFC. Definitely I will recommend HDFC for home loan requirement. For people like us with a busy schedule hassle-free service online without visiting the bank was really a lifesaver. Housing Development Finance Corporation Limited (“HDFC”) & HDFC Sales is not an Investment Advisor and does not provide any investment or financial planning advice.
Home Loan Customer Care
Additional Information know Personal loan Customer Care Details For Different Banks. Easily generate your invoice or other bills due for payments. The above list is indicative in nature and additional documents can be asked for.
Post the fixed rate tenure, the loan switches to an adjustable rate. You may be eligible for tax benefits on repayment of the principal and interest components of your Home Loan as per sections 80C, 24 and 80EEA of the Income Tax Act, 1961. Since the benefits may vary each year, please do consult your chartered accountant/ tax expert for the latest information.
Home Loan Application Process
With minimal documentation, applying for a HDFC home loan is quick and hassle free. Our home loan experts are available to help you in your loan application process and offer you assistance every step of the way. You can find the home loan lender’s PAN number online on various platforms, You can also check the list given above. If your lending institution is not mentioned in the list mentioned above, you can call the customer care number of the bank to know its PAN number. Also, the PAN number is mentioned in the home loan payment certificate.
The maximum period of repayment of a loan shall be up to 30 years for the Telescopic Repayment Option under the Adjustable Rate Home Loan. For all other Home Loan products, the maximum repayment period shall be up to 20 years. Ensure that the documentation of your home loan application is in order as per the requirement of the lender. PAN number for a specific bank is common for all borrowers. You can find the PAN number of your bank in your home loan payment certificate.
Will interest rate change during home loan tenure?
Transferring your outstanding home loan availed from another Bank / Financial Institution to HDFC is known as a balance transfer loan. This option provides you the flexibility to increase the EMIs every year in proportion to the increase in your income which will result in you repaying the loan much faster. Fees on account of external opinion from advocates/technical valuers, as the case may be, is payable on an actual basis as applicable to a given case. Such fees is payable directly to the concerned advocate / technical valuer for the nature of assistance so rendered. Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across.
Improve your credit score by creating a reasonable track record of timely repayments so that you achieve a high credit score which would improve your prospects of getting a home loan. Check your loan eligibility before starting your home loan application. Our chat service on our website and WhatsApp are available 24X7 to assist you with your housing loan related queries. You need to mention bank PAN number to get tax exemption of your housing loan. The contribution can be made by you upon opening an account with HDFC. The account opening process can be completed by submitting the application form along with the list of documents.
Existing Loan
Incase you are located in a country where we are not present, please share your details here and we will get in touch with you. Online system for approval is good with no time losses and with less travel with due verification. In this challenging situation, the entire process was carried out in a smooth way. Even the query raised was sorted out in a very short time with no hurdle.
Other important factors include your age, qualification, number of dependants, your spouse's income , assets & liabilities, savings history and the stability & continuity of occupation. Home loan providers usually charge a processing fee around 0.5% of the loan amount to be availed. Choose a home loan provider who is transparent w.r.t. processing fee and other related charges.
With this option you get a longer repayment tenure of up to 30 years. This means an enhanced loan amount eligibility and smaller EMIs. Working Capital, Debt Consolidation, Repayment of Business Loan, Expansion of business, Acquisition of Business asset or any similar end usage of funds. The customer shall pay the premium amounts directly to the insurance provider, promptly and regularly so as to keep the policy / policies alive at all times during the pendency of the loan.
Availing a housing loan has become very affordable today. Read the FAQs before starting your loan application process. You can now apply for a home loan online in 4 simple steps with HDFC’s quick and easy apply online module. You can download account statements, interest certificates, request for home loan disbursement and do much more. HDFC’s online home loans provide you the facility to apply for a home loan online from the safety and convenience of your home or office. TaxDarpan.com is not a Government website, it is only committed to informing our customers of the best information and services for customer benefits without effect any person, company, trust, or organization's brand value.
You can take disbursement of your home loan once the property has been technically appraised, all legal documentation has been completed, and you have made your down payment. Loans against property / Home Equity Loan for Business Purpose i.e. Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. A copy of the policy can be obtained by customers from the concerned branch on request.
National Pension System is administered and regulated by Pension Fund Regulatory and Development Authority created by an Act of Parliament. The information provided on our website is for informational purposes only and it should not be considered as financial advice. Please consider your specific investment requirements before choosing any investment or designing a portfolio that suits your needs. HDFC & HDFC Sales are merely acting as a Point of Presence & Point of Presence (sub-entity) respectively for the purpose of the NPS. HDFC may, at its sole discretion, amend its arrangement with CIBIL, either wholly or partially, at any point in time and without the requirement of any prior notice to or consent of the user. We'll ensure you're the very first to know the moment rates change.
Call, email, chat, SMS, or give a missed call; HDFC Bank home loan customer care is accessible through all routes. You can prepay your home loan before the completion of your actual loan tenure. Please note that while there are no prepayment charges on floating rate home loans unless the same availed for business purposes. Choose a home loan provider who offers doorstep assistance or gives you the facility to apply online for a home loan by uploading the required documents from the comfort and safety of your home or office.
A Permanent Retirement Account Number will be allotted to you through which you can start contributing to the NPS scheme to accumulate the corpus for retirement during working life. On retirement a portion of the accumulated corpus needs to be invested in the Annuity to get monthly pension. You can get in touch with HDFC Bank customer care service for all your Banking needs on their toll-free helpline numbers made available regionally as well as of the official branch. Once you avail a HDFC home loan, you can access your home loan account online on our website. You can download account statements, interest certificates, request for disbursement and do much more.
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