45 Lakh HDFC Bank Home Loan

Owning a home is a dream for many in today's fast-paced world. HDFC's Home Loan for 45 Lakh aims to make this dream a reality by providing a path to comfortable homeownership. This loan package is designed for a diverse range of borrowers, including first-time buyers and those looking to upgrade. It offers an attractive interest rate, and EMI plan, making it an ideal option for anyone requiring a significant loan amount without excessive costs. With flexible repayment choices and a simple application process, HDFC ensures a seamless journey from application to approval. Whether your heart is set on a modern city apartment or a cosy suburban house, the HDFC 45 Lakh Home Loan is here to help you build a secure and beautiful future in the home of your dreams. Urban Money helps you to discover the specific reasons why this loan is a wise choice for aspiring homeowners.

45 Lakh Home Loan From HDFC Bank – Highlights

You can get 45 Lakh HDFC bank home loan under the following conditions:

45 Lakh HDFC Bank Home Loan EMI for 10 years

To calculate the EMI for a home loan of 45 lakh taken for 10 years, you can use the starting annual interest rate of 8.50%.

45 Lakh HDFC Bank Home Loan EMI for 20 years

To calculate the EMI for a home loan of 45 lakh taken for 20 years, you can use the starting annual interest rate of 8.50%.

45 Lakh HDFC Bank Home Loan – Fees and Charges

In addition to the interest rate on a 40 Lakh HDFC Bank home loan, there are several expenses to consider. These costs include a processing fee of up to 0.50% of the loan amount, plus applicable taxes. There are also additional charges for stamp duty, MOD, MOE, registration fees, and other fees imposed by organisations like CERSAI, as well as third-party charges from mortgage guarantee companies. Additionally, GST will also be applied.

Documents Required for 45 Lakh Home Loan from HDFC Bank

To get your HDFC bank home loan approved for 45 Lakh, make sure you provide the necessary documents alongside the filled and signed application form.

• KYC Documents
• Proof of Date of Birth (Passport/ Permanent Account Number Card/ Birth Certificate/ Driver’s License)
• Proof of identification (such as a passport, PAN card, or banker’s verification) that includes a signature.
• Please provide documentation that verifies your income. This can include your most recent pay slip, your most recent bank statement, or proof of employment for the past year.
• Documents about your property will be required.
• Additional paperwork for a home loan

Eligibility Criteria for 45 Lakh HDFC Bank Home Loan

For a ₹45 Lakh HDFC Bank Home Loan, the eligibility criteria include:

• Age Range: 21-65 years.
• Nationality: Indian Resident.
• Minimum Income: For salaried individuals, ₹10,000 per month; for self-employed individuals, ₹200,000 per annum.