#1
7th April 2016, 10:29 AM
| |||
| |||
HDFC Personal Loan
I want some information about personal loan of HDFC bank for that will you please help me here to get the information?
|
#2
7th April 2016, 10:30 AM
| |||
| |||
Re: HDFC Personal Loan
I will help you here to get the information about the personal loan of HDFC bank so that you can have idea about it. Features of the loan Highly competitive personal loan interest rates Special offers, interest rates and charges for HDFC Bank account holders Personal loan eligibility in 1 minute available online and across all branches Special personal loan offers* for women employees Walk in Loan: Walk in to the branch with your documents and get Personal Loan in a day Convenience of contacting us through SMS, Webchat, Click2Talk, PhoneBanking and across all branches Eligibility criteria 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 required 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 Interest rates and charges 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 Address:- HDFC Bank HDFC Bank House, Senapati Bapat Marg Lower Parel (W), Mumbai - 400 013. Phone:- 91 - 22 - 6652 1000 |