2 Crore HSBC Bank Home Loan

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If you are considering a 2 crore home loan from HSBC Bank, here’s what you need to know. The loan comes with a starting interest rate of 8.50% per annum and offers flexible repayment options—up to 25 years for salaried individuals and 20 years for self-employed applicants. The loan amount can range from INR 300,000 to INR 600,000,000, making it a good fit for various property purchases. With specific income and age requirements, HSBC’s home loan helps make your dream of homeownership more achievable.

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Table of Content

1. HSBC Bank 2 Crore Home Loan Highlights

2. 5 Years EMI HSBC Bank 2 Crore Home Loan

3. 10 Years EMI HSBC Bank 2 Crore Home Loan

4. 15 Years EMI HSBC Bank 2 Crore Home Loan

5. 20 Years EMI HSBC Bank 2 Crore Home Loan

6. 25 Years EMI HSBC Bank 2 Crore Home Loan

7. Fees & Charges 2 Crore HSBC Bank Housing Loan

8. 2 Crore HSBC Bank Home Loan Documents Required

9. 2 Crore HSBC Bank Home Loan Eligibility Criteria

Written By

Satyam Sachdeva

Satyam has always been interested in saving money and realising its worth. He created a Demat account when he turned 18 and has been a keen equity and mutual fund investor. Currently, a writer for Urban Money, he uses his skills to guide his readers in the right direction. Satyam strives to make financial complexities easy for everyone to understand with a pinch of creative salt.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

HSBC Bank 2 Crore Home Loan – Highlights

The key highlights of a 2 crore HSBC Bank home loan are mentioned below:

Feature	Details
Available Loan Amount	INR 300,000 to INR 600,000,000
Property Types	Available for Resident Indians & NRIs for ready and select under-construction properties
Loan Tenure	Up to 25 years (salaried) and 20 years (self-employed)
Interest Rates	Floating: Starting at 8.50% p.a. Fixed: 13.25% p.a.
Processing Fee	1% of the loan amount or INR 10,000, whichever is higher
Prepayment/Foreclosure	No charges for floating rate; Fixed rate: 5% of principal + INR 5,000

5 Years EMI – HSBC Bank 2 Crore Home Loan

On a 2 crore HSBC Bank home loan availed at an interest rate of 9.90% per annum for a tenure of 5 years, the applicable EMI is calculated in the table below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 2 crore	9.90%	5 years	₹4,23,957	₹54,37,449	₹2,54,37,449

10 Years EMI – HSBC Bank 2 Crore Home Loan

The EMI is detailed below for a 2 crore home loan from HSBC Bank with a 9.90% annual interest rate over 10 years.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 2 crore	9.90%	10 years	₹2,63,195	₹1,15,83,425	₹3,15,83,425

15 Years EMI – HSBC Bank 2 Crore Home Loan

The table below shows the EMI for a 2 crore home loan from HSBC Bank, taken at a 9.90% interest rate per year over a 15-year term.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 2 crore	9.90%	15 years	₹2,13,699	₹1,84,65,844	₹3,84,65,844

20 Years EMI – HSBC Bank 2 Crore Home Loan

Below is the EMI calculation for a 2 crore HSBC Bank home loan with an annual interest rate of 9.90% and a tenure of 20 years.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 2 crore	9.90%	20 years	₹1,91,681	₹2,60,03,467	₹4,60,03,467

25 Years EMI – HSBC Bank 2 Crore Home Loan

The EMI for a 2 crore home loan from HSBC Bank with a 9.90% yearly interest rate and a 25-year term is shown in the table below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 2 crore	9.90%	25 years	₹1,80,332	₹3,40,99,655	₹5,40,99,655

Fees & Charges – 2 Crore HSBC Bank Housing Loan

The related fees & charges for a 2 crore HSBC Bank home loan are given in the table below:

Category	Details
Processing Fees	1% of the loan amount or INR 10,000 (whichever is higher). Paid in two parts: INR 5,000 upfront and the remaining amount before disbursal. Non-refundable.
Floating Rate Loan Prepayment	No charges for pre-payment or foreclosure.
Fixed Rate Loan Prepayment	INR 5,000 + 5% of the principal outstanding/prepaid amount.
Prepayment Conditions	Charges apply if a bulk payment reduces the account limit, if the account is switched to a floating rate, or if the loan is closed early.
Prepayment Process	Written instruction is required; default action is to reduce loan tenure unless specified otherwise.
Stamp Duty	Stamped as per local laws

2 Crore HSBC Bank Home Loan – Documents Required

If you want to know the documents required and are interested in the 2 crore HSBC Bank home loan, then you must go through the table below:

Document Type	Details
Identity Proof	Passport, Voter’s ID, Driving License, PAN Card, Aadhaar (Self-attested)
Residential Address	Passport, Voter’s ID, Driving License, Utility Bills, Property Tax Bill, Domicile Certificate (Self-attested)
Age Proof	Passport, Driving License, PAN Card (Self-attested)
Financial Documents	Salaried: Last 3 months’ payslips, 3 months’ bank statements. Self-employed: IT returns, P&L, Balance Sheet, 6 months’ bank statements
NRI Applicants	Passport with Visa, Work Permit, Salary slips, Overseas Bank Statements, NRE/NRO Account Statements, Local Bureau Report
Merchant Navy	Contract copy, Continuous Discharge Certificate (CDC), Passport, 3 months’ bank statements, Local Bureau Report

2 Crore HSBC Bank Home Loan – Eligibility Criteria

Applicants need to meet specific requirements to qualify for a 2 crore HSBC home loan. The minimum net annual income is INR 500,000 for salaried individuals and INR 750,000 for self-employed. Applicants must be at least 21 years old, with the loan maturing by age 58 for salaried workers, 60 for government employees, or 65 for the self-employed. The loan amount ranges from INR 300,000 to INR 600,000,000; the maximum tenure is 25 years for salaried individuals and 20 years for others.

Frequently Asked Questions (FAQs)

What is the EMI on a 2 crore HSBC Bank home loan for 20 years?

At an interest rate of 9.90% per annum, the applicable EMI on a 2 crore HSBC Bank housing loan for a tenure of 20 years will be ₹1,91,681.

Who is eligible for a 2 crore HSBC Bank home loan?

To qualify for a 2 crore HSBC Home Loan, applicants need a minimum income of INR 500,000 (salaried) or INR 750,000 (self-employed). The maximum loan tenure is 25 years.

What is the monthly interest rate on a 2 crore HSBC Bank home loan?

The monthly interest rate on a 2 crore HSBC Bank home loan starts at 0.71%.

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