80 Lakh HSBC Bank Home Loan

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The HSBC Bank 80 lakh home loan is an appealing credit option. The interest rate starts as low as 8.75% per annum, which is among the best in the market. This ideally helps you save thousands of your hard-earned money in the long run, making it a more cost-effective finance. However, before finalising your decision, it is crucial to calculate the expected 80 lakhs home loan EMI from HSBC Bank. Ideally, this enables you to understand the financial commitment you will incur and further empowers you to plan your finances accordingly. For more detailed insight, continue to scroll down. We present a thorough overview of the HSBC Bank’s housing loan EMI for 80 lakhs. Moreover, we will cover details such as the HSBC Bank’s home loan interest rate of 80 lakh, applicable eligibility criteria, required documents, and associated fees. All this information ultimately helps you to make a more informed decision.

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Table of Content

1. 80 Lakh Home Loan HSBC Bank Highlights

2. 80 Lakh Home Loan EMI for 5 Years HSBC Bank

3. 80 Lakh Home Loan EMI for 10 Years HSBC Bank

4. 80 Lakh Home Loan EMI for 15 Years HSBC Bank

5. 80 Lakh Home Loan EMI for 20 Years HSBC Bank

6. 80 Lakh Home Loan EMI for 25 Years HSBC Bank

7. 80 Lakh HSBC Bank Home Loan Fees and Charges

8. 80 Lakh HSBC Bank Home Loan Documents Required

9. 80 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.

80 Lakh Home Loan HSBC Bank – Highlights

Have a close look at the HSBC Bank’s home loan interest rate for 80 lakhs and other key parameters:

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

80 Lakh Home Loan EMI for 5 Years HSBC Bank

Below-mentioned is the 80 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
₹80 Lakhs	8.75% p.a.	5 years	₹1,65,098	₹19,05,880	₹99,05,880

80 Lakh Home Loan EMI for 10 Years HSBC Bank

Here is the 80 lakh home loan EMI for 10 years from the HSBC Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹80 Lakhs	8.75% p.a.	10 years	₹1,00,261	₹40,31,320	₹1,20,31,320

80 Lakh Home Loan EMI for 15 Years HSBC Bank

Below mentioned is the HSBC Bank’s home loan of 80 lakhs EMI amount for a tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹80 Lakhs	8.75% p.a.	15 years	₹79,956	₹63,92,080	₹1,43,92,080

80 Lakh Home Loan EMI for 20 Years HSBC Bank

Let’s examine the 80 lakhs home loan EMI for 20 years from the HSBC Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹80 Lakhs	8.75% p.a.	20 years	₹70,697	₹89,67,280	₹1,69,67,280

80 Lakh Home Loan EMI for 25 Years HSBC Bank

Have a look at the 80 lakh home loan EMI in the HSBC Bank with a tenure of 25 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹80 Lakhs	8.75% p.a.	25 years	₹65,771	₹1,17,31,300	₹1,97,31,300

80 Lakh HSBC Bank Home Loan – Fees and Charges

Let’s examine the fees and charges you must know beyond the HSBC Bank home loan interest rate of 80 lakh:

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

80 Lakh HSBC Bank Home Loan – Documents Required

Following are the applicable documents required for the HSBC Bank’s 80 lakhs home loan:

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

80 Lakh HSBC Bank Home Loan – Eligibility Criteria

Here are the criterias required for 80 lakhs home loan eligibility in HSBC Bank:

Parameters	Salaried Individuals	Non-salaried Individuals
Age Requirement	21 – 58 years old	21 – 65 years old
Financial Limit	₹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 an 80 lakh home loan for 20 years in the HSBC Bank?

For a ₹80 lakh home loan from the HSBC Bank with a 20-year tenure and an 8.75% annual interest rate, the estimated monthly EMI is ₹70,697.

Who is eligible for an 80 lakh home loan in the HSBC Bank?

Both salaried and self-employed individuals are eligible for an 80 lakh home loan at the HSBC Bank.

What is the monthly interest rate of an 80 lakh home loan in HSBC Bank?

The monthly interest rate for an 80 lakh home loan in HSBC Bank starts at 0.73%.

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