20 Lakh HSBC Bank Home Loan

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With interest rates starting as low as 8.50% per annum, HSBC Bank's home loan offers an excellent solution for your financial needs. You can access loan amounts up to ₹60 crores, allowing applicants to secure the funds they need and repay the EMI over a tenure of up to 25 years. Discover your HSBC Bank housing loan EMI for ₹20 lakhs, whether for 10 or 20 years. With HSBC Bank, securing a ₹20 lakh home loan is easy and straightforward, making your journey to homeownership smooth and affordable. Calculate your EMI and get started today!

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Table of Content

1. 20 Lakhs HSBC Bank Home Loan Highlights

2. 5 Years EMI HSBC Bank For 20 Lakhs Home Loan

3. 10 Years EMI HSBC Bank For 20 Lakhs Home Loan

4. 15 Years EMI HSBC Bank For 20 Lakhs Home Loan

5. 20 Years EMI HSBC Bank For 20 Lakhs Home Loan

6. 25 Years EMI HSBC Bank For 20 Lakhs Home Loan

7. 20 Lakhs HSBC Bank Home Loan Fees & Charges

8. Documents Required for a 20 Lakh HSBC Bank Home Loan

9. Eligibility Criteria HSBC Bank 20 Lakhs Home Loan

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Written By
Satyam Sachdeva
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
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.

20 Lakhs HSBC Bank Home Loan – Highlights

Refer to the table below to understand the key highlights of the 20 lakh HSBC Bank home loan:

Key Highlights Details
Interest Rates Starting from 8.50% per annum (floating rate).
Loan Amount Range ₹3 lakhs to ₹60 crores, depending on customer relationship, city, and property type.
Loan Tenure Up to 25 years for salaried customers and up to 20 years for self-employed customers.
Property Types Available for ready properties and select under-construction properties approved by HSBC.
Processing Fees 1% of the loan amount or ₹10,000 (whichever is higher), with applicable taxes.
Insurance Requirement Property must be insured against fire, earthquake, floods, and other damages, with HSBC Bank as the beneficiary.
Flexible Repayment Options Offers options to adjust the loan tenure or EMI based on the borrower’s financial situation and preferences.

5 Years EMI HSBC Bank For 20 Lakhs Home Loan

Check the table below to know the EMI on a 20 lakh HSBC Bank home loan over a tenure of 5 years:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 20 lakhs 8.90% p.a. 5 years ₹41,420 ₹4,85,183 ₹24,85,183

10 Years EMI HSBC Bank For 20 Lakhs Home Loan

Over a 10-year tenure, the applicable EMI on the 20 lakh HSBC Bank home loan is given in the table below:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 20 lakhs 8.90% p.a. 10 years ₹25,227 ₹10,27,245 ₹30,27,245

15 Years EMI HSBC Bank For 20 Lakhs Home Loan

Refer to the table below to check the calculated EMI on a 20 lakh HSBC Bank home loan over a 15-year period:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 20 lakhs 8.90% p.a. 15 years ₹20,167 ₹16,29,975 ₹36,29,975

20 Years EMI HSBC Bank For 20 Lakhs Home Loan

If the applicable interest rate on the 20 lakh HSBC Bank home loan is 8.90%, the EMI over 20 years will be as follows:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 20 lakhs 8.90% p.a. 20 years ₹17,866 ₹22,87,862 ₹42,87,862

25 Years EMI HSBC Bank For 20 Lakhs Home Loan

Study the table below to check the calculated EMI on a 20 lakh HSBC Bank home loan over a 25-year tenure:

Loan Amount Interest Rate Loan Tenure EMI Amount Total Interest Payable Total amount Payment
Rs 20 lakhs 8.90% p.a. 25 years ₹16,647 ₹29,94,155 ₹49,94,155

20 Lakhs HSBC Bank Home Loan Fees & Charges

The fees and charges on a 20 lakh HSBC Bank home loan are given in the table below:

Fees & Charges Details
Processing Fee 1% of the approved loan amount or ₹10,000, whichever is higher. This fee is non-refundable and includes any applicable taxes.
Initial Payment ₹5,000 plus applicable taxes, required when submitting the loan application.
Remaining Processing Fee The balance of the processing fee, along with applicable taxes, must be paid before the loan is disbursed.
Prepayment/Foreclosure Charges (Floating Rate Loans) No charges are applied for pre-payment or foreclosure on floating-rate home loans and loans against property.
Prepayment/Foreclosure Charges (Fixed Rate Loans) For fixed-rate loans, a fee of ₹5,000 plus 5% of the outstanding principal or amount prepaid, along with applicable taxes, is charged. Prepayment fees apply in certain cases, such as large payments beyond the EMI, mid-term rate changes (e.g., switching to a floating rate), or full repayment before the fixed period ends.
Late Payment Charges Late payments incur interest on the overdue amount, calculated at a specified rate outlined in the loan agreement.
Loan Statement Issuance Generally, loan account statements are provided free of charge.
Stamp Duty on Security Documents Stamp duty is charged according to local laws.
Rate Switching Fee A one-time fee of up to ₹2,500 plus applicable taxes is charged for switching to a different benchmark rate (such as moving from MCLR to RLLR).

Documents Required for a 20 Lakh HSBC Bank Home Loan

Refer to the points below to know which documents are required to avail of a 20 lakh HSBC Bank home loan:

  • Proof of Identity documents
  • Proof of Address documents
  • Property documents (for loans against property)
  • Income verification documents

Eligibility Criteria – HSBC Bank 20 Lakhs Home Loan

The eligibility criteria for the 20 lakh HSBC Bank home loan are as follows:

Eligibility Criteria Details
Minimum Net Income ₹5,00,000 per annum for salaried individuals; ₹7,50,000 per annum for self-employed individuals.
Minimum Age 21 years
Maximum Age at Loan Maturity 58 years for salaried individuals, 60 years for public sector/government employees, and 65 years for self-employed individuals.
Minimum Loan Amount ₹3,00,000
Maximum Loan Tenure Up to 25 years for salaried individuals and 20 years for self-employed individuals.

Frequently Asked Questions (FAQs)

What is the EMI for a 20 lakh HSBC Bank home loan over a 20-year period?

The applicable EMI over a 20-year tenure if a 20 lakh HSBC Bank home loan is taken out at an interest rate of 8.90% per annum will be ₹17,866.

Who is eligible for a 20 lakh HSBC Bank home loan?

Individuals with a minimum net income of ₹5,00,000 per annum (salaried) or ₹7,50,000 per annum (self-employed), aged 21 or older, are eligible for a ₹20 lakh HSBC Bank home loan.

What is the monthly interest rate of a 20 lakh HSBC Bank home loan?

HSBC Bank offers a minimum interest rate of 8.50% per annum, which is approximately 0.71% per month.

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