HDFC Housing Loan

1
HDFC Housing Loan

• With You Right Through

2
5 Facts about Housing Loan

• All fixed rates are not always fixed
• Pre EMIs can cost you dearly
• Banks offer loans for 30 years
• Banks Seek Interim Security
• Banks fix the property price as per their index

3
Do's and Don'ts of Home Loan Prepayment

• Repayment of home loan depends on many factors
  and theres no set of one fit rules for all. So
  ask few questions yourself before we go deep into
  it.
• How old is my home loan?
• How much tax I am saving with your home loan?
• Whats the rate of interest I am getting?
• Am I finding it difficult to manage my EMI?
• Whats the return I may get if I invest the
  surplus cash in a good instrument?
• Few Donts if in case you have decided to repay
• Dont prepay without calculating the benefits
• Dont overlook the tax benefits of the loan
• Dont look at prepaying of the entire loan
• Few Dos if you decided to prepay
• Keep the EMI steady
• The earlier you repay the better

4
5 question to ask banker before taking Loan

• Will you be considering statutory expenses?
• Would you consider my insurance policies as
  additional collateral?
• How will the changing interest rates affect my
  home loan?
• Do you allow home loan refinance?
• Do you offer mortgage as an overdraft facility?

5
Comparison

• Land Loan

• Home Loan

• Eligibility - Resident Indians and NRIs
• Interest Rate - Based on Base Rate
• Tax Deductions - No Tax Deductions, only
  available for the year of Construction
• Tenure - 10-15 Years
• LTV - Maximum limit of Up to 50 to 70 of plot
  cost

• Eligibility - Resident Indians an NRIs with
  preconditions
• Interest Rate - As per Base Rate
• Tax Deductions - Available for both
  repayment towards home loan
  interest and principal amount
• Tenure - Up to 30 Years
• LTV - Up to 80

6
If interest or seeking for home loan, we have a
best deals for you in HDFC Bank, kindly consult
our experts at below given details.

• Unified Capital Solutions Pvt Ltd
• A-17, second floor
• Sector 4, Noida
• 201301
• Phone [phone]
• Website - http//hdfc.unifiedloans.in/home-loan.ht
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