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Continue reading to learn more about HDFC Home Loan Customer Care. Up to 1.50% of the loan amount or ₹4,500 whichever is higher, plus applicable taxes. Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc.
The Borrower will be required to submit such documents that HDFC may deem fit & proper to ascertain the source of funds at the time of prepayment of the loan. 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. Check with the lender if the property that you have shortlisted will be considered for a housing loan. Check your loan eligibility before starting your home loan application. Applying for loans and credit cards through MyMoneyMantra is 100% safe & secure.
HDFC Home Loan Benefits
Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. You could use the online chat facility if you have any queries. It can take years to accumulate sufficient funds for buying a house. You can simply take a home loan to purchase your dream house. Whenever you file a complaint with the bank regarding any of your requirements, you are immediately given a unique Complaint reference number that can be tracked for updates regarding that specific query.
Nothing contained in the articles should be construed as business, legal, tax, accounting, investment or other advice or as an advertisement or promotion of any project or developer or locality. Various Builder/Developer who have advertised their products. Magicbricks is only communicating the offers and not selling or rendering any of those products or services. It neither warrants nor is it making any representations with respect to offer made on the site. Security of the loan would generally be security interest on the property being financed and / or any other collateral / interim security as may be required by HDFC. You can submit a request for the disbursement of your loan online or by visiting any of our offices.
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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 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.
Sometimes it is possible that you may need to address your specific queries or concerns to the Nodal Officer or the Zonal officer of your branch. Here’s a detailed city-wise list made available to you for the same. One of the easiest ways to reach HDFC Home Loan Customer Care is by calling the customer care helpline number of the bank. The phone banking executives would answer all your questions regarding your HDFC home loan.
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You can also raise a complaint online by keeping in touch with the Bank's compliance official at for all your loan related queries. 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. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. In the event that there is no response, applicants may escalate the matter to the Chief Grievance Redressal Officer by specifying the file number, loan account number, mobile number, email address, and serial number. HDFC House Loan customer service assists potential and existing home loan clients with new loan inquiries as well as servicing/grievance issues.
Customers having availed home loans from HDFC can have their queries resolved through various ways such as phone, email, or visit the bank branch in person. A home loan provisional certificate is a summary of the interest and the principal amounts repaid by you towards your home loan during a financial year. It is provided to you by HDFC and is required for claiming tax deductions. If you are an existing customer, you can easily download your provisional home loan provisional certificate from our online portal . In an adjustable or floating rate loan, the interest rate on your loan is linked to your lender’s benchmark rate. Any movement in the benchmark rate will effectuate a proportionate change in your applicable interest rate.
You can get details of the nearest branch by logging into the website of HDFC bank and going to the branch locator page. For home loans and balance transfer loans, the maximum tenure is 30 years or till the age of retirement, whichever is lower. Loans against property / Home Equity Loan for Business Purpose i.e.
I hereby authorize HDFC Ltd. and its affiliates to call, email, send a text through the Short messaging Service and/or Whatsapp me in relation to any of their products. The consent herein shall override any registration for DNC/NDNC. 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. HDFC Life will send an acknowledgement letter within 10 days of receiving the documents. Recent times are a testament to the fact that, life is uncertain and preparation against life's uncertainties are necessary.
From toll-free numbers to missed call services, get information at your convenience. Dedicated city-wise helpline numbers cater to the pan India customer base. Call, email, chat, SMS, or give a missed call; HDFC Bank home loan customer care is accessible through all routes. You are required to pay 10-25% of the total property cost as ‘own contribution depending upon the loan amount. 75 to 90% of the property cost is what can be availed as a housing loan. In case of construction, home improvement and home extension loans, 75 to 90% of the construction/improvement/extension estimate can be funded.
Our systems ensure complete data security and privacy for each applicant. 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. All the information contained herein above is for awareness and customer convenience and is intended to only act as an indicative guide about HDFC’s products and services. For detailed information about HDFC’s products and services kindly visit the nearest HDFC branch. Post the fixed rate tenure, the loan switches to an adjustable rate.
The maximum repayment tenure depends on the type of housing loans you are availing, your profile, age, maturity of loan etc. However, the approval of your loan depends on your repayment capacity. It is up to HDFC to assess your eligibility and ability to repay the EMIs for two home loans. Repayment of home loans is done through Equated Monthly Installments , which is a combination of interest and principal. In the case of loans for resale homes, EMI begins from the month subsequent to the month in which disbursement of the loan is done. In the case of loans for under-construction properties, EMI usually begins once the construction is complete and the house loan is fully disbursed.
Customers can however also choose to begin their EMIs sooner. The EMIs will proportionately increase with every partial disbursement made as per the progress of construction. The prepayment charges are subject to change as per prevailing policies of HDFC and accordingly may vary from time to time which shall be notified on . Our chat service on our website and WhatsApp are available 24X7 to assist you with your housing loan related queries.
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