30 Lakh HSBC Bank Home Loan

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The HSBC Bank’s 30 lakhs home loan is designed to make your dream of homeownership a reality. Whether you are a first-time homebuyer or wish to upgrade your current home, the bank offers competitive interest rates and personalised repayment plans. Eligible applicants can further expect simple documentation, transparent processes, and quick fund disbursement, turning it into a more borrower-friendly credit option. However, before initiating your loan application, estimating 30 lakhs home loan EMI with HSBC Bank is advisable. To help you make a more informed decision, Urban Money presents a detailed overview of the HSBC Bank’s housing loan EMI for 30 lakhs. Moreover, we cover details such as the HSBC Bank home loan interest rate of 30 lakh, applicable eligibility, documentation, and associated fees. Let’s get started!

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Table of Content

1. 30 Lakh Home Loan HSBC Bank Highlights

2. 30 Lakh Home Loan EMI for 5 Years HSBC Bank

3. 30 Lakh Home Loan EMI for 10 Years HSBC Bank

4. 30 Lakh Home Loan EMI for 15 Years HSBC Bank

5. 30 Lakh Home Loan EMI for 20 Years HSBC Bank

6. 30 Lakh Home Loan EMI for 25 Years HSBC Bank

7. 30 Lakh HSBC Bank Home Loan Fees and Charges

8. 30 Lakh HSBC Bank Home Loan Documents Required

9. 30 Lakh HSBC Bank Home Loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

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.

30 Lakh Home Loan HSBC Bank – Highlights

Following are the HSBC Bank’s home loan interest rate for 30 lakhs and other key features:

Interest Rates	8.75% p.a. onwards
Loan Amount	Up to 75 – 90% of the property value
Loan Tenure	25 years
Eligibility	Salaried or self-employed individuals

30 Lakh Home Loan EMI for 5 Years HSBC Bank

Here is the interest rate for a 30 lakh home loan EMI in HSBC Bank with a tenure of 5 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹30 Lakhs	8.75% p.a.	5 years	₹61,912	₹7,14,720	₹37,14,720

30 Lakh Home Loan EMI for 10 Years HSBC Bank

Below-mentioned is the 30 lakh home loan EMI for 10 years from HSBC Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹30 Lakhs	8.75% p.a.	10 years	₹37,598	₹15,11,760	₹45,11,760

30 Lakh Home Loan EMI for 15 Years HSBC Bank

Let’s examine the HSBC Bank’s home loan 30 lakh EMI amount for a tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹30 Lakhs	8.75% p.a.	15 years	₹29,983	₹23,96,940	₹53,96,940

30 Lakh Home Loan EMI for 20 Years HSBC Bank

Here is the 30 lakh home loan EMI for 20 years from the HSBC Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹30 Lakhs	8.75% p.a.	20 years	₹26,511	₹33,62,640	₹63,62,640

30 Lakh Home Loan EMI for 25 Years HSBC Bank

The table below details the interest rates for a 30 lakh home loan EMI in HSBC Bank with a tenure of 25 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹30 Lakhs	8.75% p.a.	25 years	₹24,664	₹43,99,200	₹73,99,200

30 Lakh HSBC Bank Home Loan – Fees and Charges

Have a close look at the applicable fees and charges in addition to the HSBC Bank’s home loan interest rate of 30 lakhs:

Fee/Charge	Amount
Processing Fee	1% of the loan amount
Prepayment Charges	5% of principal outstanding + ₹5,000
Late Payment Panality	2%* of the default EMIs
Legal Charges	Applicable
Stamp Duty and Registration	As per the state law

30 Lakh HSBC Bank Home Loan – Documents Required

Below are the required documents for the HSBC Bank’s 30 lakh home loan:

Identity Proof	Aadhaar card, passport, election ID, driving licence, or PAN card
Address Proof	Utility bill, society outgoing bill, property tax bill, passport, election ID, or driving licence.
Salary Proof	Last 3-month salary slips and bank statement
Business Proof	Last 2-year income tax returns, P&L account, balance sheet, 6-month bank statement, etc.

30 Lakh HSBC Bank Home Loan – Eligibility Criteria

Let’s examine the 30 lakh home loan eligibility in HSBC Bank:

Parameters	Salaried Individuals	Non-salaried Individuals
Age	21 – 58 years old	21 – 65 years old
Income	₹5,00,000 per annum	₹7,50,000 per annum
Credit Score	Preferably 700 or higher	Preferably 700 or higher
Nationality	Indian	Indian

Frequently Asked Questions (FAQs)

What is the EMI for a 30 lakh home loan for 20 years in HSBC Bank?

The expected EMI for a ₹30 lakh home loan over 20 years at HSBC Bank, with an annual interest rate of 8.75%, is ₹26,511.

Who is eligible for a 30 lakh home loan in HSBC Bank?

Both salaried and self-employed individuals are eligible for a 30 lakh home loan at HSBC Bank.

What is the monthly interest rate of a 30 lakh home loan in HSBC Bank?

The monthly interest rate for a 30 lakh home loan in HSBC Bank starts at 0.73%.

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