#1
9th March 2016, 11:56 AM
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HDFC Personal Loan Interest Rate
Hey buddy can you please tell me what is the interest rate charged by HDFC Bank for Personal Loan so that I can also apply for it?
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#2
9th March 2016, 11:57 AM
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Re: HDFC Personal Loan Interest Rate
I will tell you the interest charges of HDFC Bank for Personal Loan offer to there customer so that you can apply for it easily. Here are the interest rates charged by the Bank Rack interest rate Salaried - 15.75% to 20% Loan processing charges Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 25000/- for Salaried Customers. Prepayment Salaried - No pre-payment permitted until repayment of 12 EMIs Pre-payment charges Salaried - 13-24 Months - 4% of Principal Outstanding, 25-36 Months - 3% of Principal Outstanding >36 Months - 2% of Principal Outstanding No Due Certificate/No Objection Certificate (NOC) NIL Duplicate of No Dues Certificate/NOC NIL Solvency Certificate Not applicable Charges for late payment of EMI 24% per annum on amount outstanding from date of default Charges for changing from fixed to floating rate of interest Not applicable Charges for changing from floating to fixed rate of interest Not applicable Stamp duty & other statutory charges As per applicable laws of the state Credit assessment charges Not applicable Non standard repayment charges Not applicable Cheque swapping charges Rs 500/- Amortization Schedule charges Rs 200/- Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.) Cheque bounce charges Rs. 550/- per cheque bounce Legal/incidental charges At actual CIBIL Report Copy Charges Rs.50 per copy Here is the eligibility criteria and documents required for loan You should: Be 21-60 years of age. Have had a job for at least 2 years, and a minimum of 1 year with your current employer Be earning at least Rs. 12,000/- per month net income (Rs. 15,000/- in Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Calcutta, Ahmedabad, Cochin) Documents to be submitted: Proof of identity: Copy of passport/voter ID card/driving license Proof of address: Copy of ration card/telephone or electricity bill/rental agreement/passport Last 3 months bank statement/6 months bank passbook Latest salary slip/ current dated salary certificate with the latest Form 16 Address:- HDFC Bank HDFC Bank House, Senapati Bapat Marg Lower Parel (W), Mumbai - 400 013. Phone:- 91 - 22 - 6652 1000 |