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HSBC Home Loan for Women & Housewife

HSBC Home Loan for Women & Housewife

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Financially independent women are on the rise in India. The number of home loan schemes available for women has also increased, along with exclusive offers and benefits. Thus, many women seeking to own homes are turning to home loans to finance their dreams. HSBC home loan for women is one such loan, as it features competitive interest rates, moderate eligibility criteria, minimal documentation, a higher loan amount, and fast fund disbursement. To bring your dream to life, Urban Money presents a detailed overview of HSBC home loans for a housewife. We cover the applicable benefits, associated fees, eligibility criteria, and required documentation. Let’s scroll down to learn more.

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Table of Content

1. HSBC Home Loan for Housewife / Women Highlights

2. HSBC Home Loan Benefits for Ladies

3. HSBC Home Loan for Housewife / Women Fees and Charges

4. HSBC Home Loan for Housewife / Women Documents Required

5. HSBC Home Loan for Housewife / Women Eligibility Criteria

6. Types of HSBC Home Loans for Women

Written By

Thejus KS

A mechanical engineer turned history buff with a sprinkle of financial brilliance. Thejus’s expertise comes with a unique blend of engineering precision, timelines, and the power of numerals. He knows that numbers are the pulse of our globe. Attention to detail and extensive research are the key elements of his writing.

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 Home Loan for Housewife / Women – Highlights

Following are the expected HSBC home loan interest rate female and other key parameters:

Floating Interest Rates	8.45% p.a. onwards
Fixed Interest Rates	13.25% p.a. onwards
Loan Amount	Up to ₹10 Crore.
Loan Tenure	25 years
Eligibility	Both salaried and self-employed women

HSBC Home Loan Benefits for Ladies

Below are the applicable benefits of an HSBC home loan for women:

Higher loan amount
Attractive interest rates
Longer repayment tenure
Lower processing fees
Zero Pre-payment charges
Applicable for a top-up loan
Available balance transfer facility
0.05%-1% special rates concessions for women

HSBC Home Loan for Housewife / Women – Fees and Charges

Let’s examine the applicable fees and charges of a Bank of India home loan for women:

Fee/Charge	Amount
Processing fee	Up to 1% of the loan amount
Prepayment charges	Nil for fixed rate; ₹5,000 plus 5% of the prepaid amount
Conversion fees	₹5,000 plus applicable taxes
Late payment penalty	Applicable

HSBC Home Loan for Housewife / Women – Documents Required

Following are the required documents regarding the HSBC home loan for ladies:

Identity Proof	Aadhaar card, PAN card, driver’s license, or voter ID card.
Address Proof	Driver’s license, voter ID card, utility bill, or Property tax bill.
Salaried Individuals	Last 3-month bank statement and salary slip.
Self-Employed Individuals	Last 6-month bank statement, 2-year balance sheet, profit & loss account, and business proof.

HSBC Home Loan for Housewife / Women – Eligibility Criteria

HSBC home loan for women eligibility criteria are as follows:

Age Limit	21 – 65 years old
Employment Type	Either salaried or self-employed individuals
Income Requirement	5 lakh per annum for salaried individuals; 7.5 lakh per annum for self-employed individuals
Loan Amount	Between 3 lakh and 10 Crore
Credit Score	700 or above is considered ideal
Residential Status	Both Resident Indians (RI) and Non-resident Indians (NRI)

Types of HSBC Home Loans for Women

The following are the available types of HSBC home loans for women:

Basic Home Loan
Smart Home Loan
Loan Against Property
Smart Loan Against Property
NRI Home Loans
NRI Loan Against Property
Sustainable Mortgages

Frequently Asked Question (FAQs)

What is the repayment term for HSBC home loans for women?

The repayment term for HSBC home loans for women is 25 years.

What is the minimum and maximum age for HSBC home loans for women?

The applicant must be aged between 21 and 65 years old.

What is the minimum and maximum HSBC home loan amount for women?

The minimum HSBC home loan amount for women is 3 lakh, while the maximum is 10 Crore.

Can a single woman get a home loan from HSBC?

A single woman can get a home loan from HSBC.

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