65 Lakh HSBC Bank Home Loan

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The HSBC Bank housing loan scheme of 65 lakh can be used by dream home enthusiasts who want to obtain instant funds at a lower interest rate to begin their dream homeownership journey. With interest rates starting at 8.50% per annum and a loan tenure of up to 25 years, EMI payments are flexible and budget-friendly. The home loan applicant can benefit from a lower processing fee and use the loan amount for ready-to-purchase or under-construction properties. Continue scrolling through to understand the applicable EMI on a 65 lakh HSBC Bank home loan for a tenure of 10 or 20 years, and begin your home ownership journey today!

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Table of Content

1. Key Highlights of 65 Lakh HSBC Bank Home Loan

2. 65 Lakh HSBC Bank Home Loan 5 Years EMI

3. 65 Lakh HSBC Bank Home Loan 10 Years EMI

4. 65 Lakh HSBC Bank Home Loan 15 Years EMI

5. 65 Lakh HSBC Bank Home Loan 20 Years EMI

6. 65 Lakh HSBC Bank Home Loan 25 Years EMI

7. 65 Lakh HSBC Bank Home Loan Fees & Charges

8. Documents Required for a 65 Lakh HSBC Bank Home Loan

9. Eligibility Criteria 65 Lakhs HSBC Bank Home Loan

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.

Key Highlights of 65 Lakh HSBC Bank Home Loan

The following table mentions the key highlights of a 65 lakh HSBC Bank housing loan:

Feature	Details
Loan Amount	From ₹3 lakh to ₹60 crore
Interest Rate	Starting at an annual floating rate of 8.50%
Eligible Properties	Ready properties and select under-construction properties for Resident Indians and NRIs
Loan Tenure	Up to 25 years for salaried customers, up to 20 years for self-employed customers
Interest Rates	Floating rates starting at 8.50% p.a., fixed rates available upon request
Processing Fee	1% of the loan amount or ₹10,000 (whichever is higher), paid in two parts
Pre-payment Charges	No charges for floating-rate loans; fixed-rate loans may incur charges under specific conditions

65 Lakh HSBC Bank Home Loan – 5 Years EMI

The EMI for a tenure of 5 years of an HSBC Bank 65 lakh home loan at an interest rate of 9.60% per annum is given below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 65 lakhs	9.60%	5 years	₹1,36,830	₹17,09,798	₹82,09,798

65 Lakh HSBC Bank Home Loan – 10 Years EMI

Below is the EMI on a 65 lakh home loan from HSBC Bank over 10 years at an interest rate of 9.60% per annum.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 65 lakhs	9.60%	10 years	₹84,465	₹36,35,764	₹1,01,35,764

65 Lakh HSBC Bank Home Loan – 15 Years EMI

The monthly instalment on a 65 lakh HSBC Bank home loan with a 15-year term and 9.60% annual interest is shown below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 65 lakhs	9.60%	15 years	₹68,267	₹57,88,127	₹1,22,88,127

65 Lakh HSBC Bank Home Loan – 20 Years EMI

Here is the EMI on a 65 lakh HSBC home loan with a 20-year tenure at an annual interest rate of 9.60%.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 65 lakhs	9.60%	20 years	₹61,014	₹81,43,268	₹1,46,43,268

65 Lakh HSBC Bank Home Loan – 25 Years EMI

Below is the EMI for a 25-year term on a 65 lakh home loan from HSBC Bank at a 9.60% yearly interest rate.

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 65 lakhs	9.60%	25 years	₹57,243	₹1,06,72,832	₹1,71,72,832

65 Lakh HSBC Bank Home Loan – Fees & Charges

The table below mentions the HSBC Bank 65 lakh housing loan applicable fees and charges:

Details	Charges
Processing Fee	1% of the loan amount sanctioned or INR 10,000 (whichever is higher) + applicable taxes.
Payment Breakdown	– INR 5,000 + taxes to be paid with the loan application. – Remaining fee + taxes to be paid before loan disbursal.
Refundability	The processing fee is non-refundable.
Pre-payment/Foreclosure Charges	For Floating Rate Home Loan/Loan Against Property: No pre-payment or foreclosure charges.
	For Fixed Rate Home Loan/Loan Against Property: INR 5,000 + 5% of the outstanding principal or amount prepaid + applicable taxes.
When Prepayment Charges Apply	– Making a large payment that reduces the account limit. – Making mid-term changes to a fixed-rate loan (e.g., switching to a floating rate). – Paying off the entire fixed-rate loan before the fixed period ends.

Documents Required for a 65 Lakh HSBC Bank Home Loan

The necessary documents to avail of a 65 lakh HSBC Bank home loan are given below:

Documents to confirm identity
Documents to verify the address
Property-related documents (for loans secured by property)
Documents to verify income

Eligibility Criteria – 65 Lakhs HSBC Bank Home Loan

Ensure you meet the following eligibility criteria for a 65 lakh HSBC Bank home loan before applying for the same:

Minimum annual income: INR 500,000 (for salaried individuals) or INR 750,000 (for self-employed individuals)
Minimum age: 21 years
Maximum age at loan maturity: 58 years (salaried), 60 years (public limited/government employees), 65 years (self-employed)
Minimum loan amount: INR 300,000
Maximum loan amount: INR 600,000,000
Maximum loan term: 20 years (self-employed), 25 years (salaried applicants)

Frequently Asked Questions (FAQs)

What is the EMI for a 65 lakh HSBC Bank home loan for 20 years?

For example, if a 65 lakh HSBC Bank home loan is taken out at an interest rate of 9.60% per annum for a tenure of 20 years, the applicable EMI will be ₹61,014.

Who is eligible for a 65 lakh HSBC Bank home loan?

You are eligible for a 65 lakh home loan from HSBC Bank if you earn at least 5,00,000 per year as a salaried individual or 7,50,000 per year if you are self-employed and are 21 years old or older.

What is the monthly interest rate of a 65 lakh HSBC Bank home loan?

The minimum monthly interest rate on the HSBC Bank 65 lakh home loan is 0.71%.

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