HDFC Bank Home Loan in Guwahati

About HDFC Bank Home Loan in Guwahati

When it comes to building a house, people are ready to save every penny to realize the dream. After all, a home is an investment of a lifetime. Today the property rates have seen a substantial increase. This makes it difficult for the common man in Guwahati buy a home. HDFC bank provides finance in the form of a home loan to eligible loan seekers in the city. The bank has set up more than 15 branches here in Guwahati.

HDFC Bank Home Loan Guwahati at a glance

The important details about a home loan offered by HDFC bank in the city have been given below.

ParticularDetails
Interest rate8.70% - 9.40%
Loan amount₹ 75 Lakhs and above in selected cases
TenureUp to 30 years
Processing feeUp to 1.50 % of the amount sanctioned plus the service taxes
Pre-payment chargeNo prepayment is allowed for the starting six months
6 months- 5 years: 1.5% of the original amount
5- 10 years- 0.75% of the original amount
After 10 years- no closure fee as such

Eligibility criteria for HDFC Bank Home Loan Guwahati

The norms of eligibility for a personal loan offered by HDFC bank have been given below. An applicant has to ensure that he/she is able to meet the given criteria.

  • The bank decides the eligibility of the applicant from certain factors like Income, Educational qualifications, Age, CIBIL score, Income of the spouse, Number of dependents, Stability of employment, Saving history and Business, Liability & Assets.
  • The applicant should fall into the age group of 18 to 60 years.
  • Salaried employees need to be working with their current company for a period of at least one year.
  • In case of businessmen, the business should be stable for a minimum of three years.

Documents required for HDFC Bank Home Loan Guwahati

The list of all the essential documents required to avail a home loan from HDFC bank has been mentioned below. Do check them out.

Salaried employee

  • Fully filled application form along with photographs of passport size
  • Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license
  • Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement
  • Processing fee cheque
  • Bank statement of the past six months
  • Proof of Income- Form 16 and latest salary slip
  • Other property related documents- Buyer agreement/Allotment letter copy and a receipt of payment made to the developer

Self-employed (businessmen and professionals)

  • Fully filled application form along with photographs of passport size
  • Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement
  • Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license
  • Processing fee cheque
  • Proof of Income- Income Tax returns of the previous three years and Audited Balance Sheet & Profit and Loss account statement of the past three financial years
  • Proof of Business
  • Educational qualification certificates (For professionals)
  • Business profile
  • Other property related documents- Buyer agreement/Allotment letter copy and a receipt of payment made to the developer
  • Bank statement of the past six months

Agriculturists

  • Fully filled application form along with photographs of passport size
  • Proof of Identity- Passport/PAN card/Voter ID card/Aadhar card/Driving license
  • Proof of Address- PAN card/Passport/Electricity bill/Telephone bill/Rent agreement
  • Processing fee cheque
  • Copies of the Title documents of the agricultural land which can depict land holding
  • Statement of the loans availed in the past two years
  • Other property related documents-
  • Bank statement of the past six months
  • Copies of the Title documents of the agricultural land which can show that crops are being cultivated

For more details, refer to Home Loan Guwahati.

Address of HDFC bank branches in Guwahati

The complete list of HDFC bank branches in the city has been given below with the address, contact details and IFSC & MICR codes.

BranchAddressIFSCMICRContact details
G S Road126, G S Road, Bhangagarh, Guwahati - 781005, AssamHDFC00002647812400020361 2461074
Fancy BazarMishra complex, , Hem barua road, Fancy bazar, Guwahati - 781001, AssamHDFC00003997812400030361 2732670
ChandmariHotel alankar complex, Mrd road, chandmari, Guwahati, 781006, AssamHDFC00006317812400060631-2131158/0631-2131183,
KhanaparaPibco building, 1st floor, , G s road, rukmini gaon, Khanapara, Guwahati - 781022, AssamHDFC00007577812400040361-2229011/ 12/ 13
NoonmatiMani ram dewan road, Opposite brahmaputra flour mills, , Noonmati, Guwahati - 781020, AssamHDFC00007587812400050361-2650226
Nezone PlazaNear sohum shoppe, Christian basti, G.s.road, Guwahati - 781005, AssamHDFC0001474781240007
North Guwahati branchAmingaon-Hajo Barpeta Road, Near SBI Amingaon Branch, Amingaon, Guwahati, Assam 781039HDFC00020456202400049957193333
MaligaonMaligaon Chariali, Word Number - 7, A. T. Road, Opp. N. F. Railway Head Quarter, Maligaon, Assam 781011HDFC0002282781240009022-30751912/ 2041 / 2042
KalapaharHouse No.435, Lokhra Road,A.K. Azad Road, Kalapahar, Gopinath Nagar, Ulubari, Guwahati, Assam 781016HDFC00027217812400109957193333
Zoo RoadBuildwell Compound, Ground, First & 2Nd Floor, Zoo Road Between Darwin School & Neepco Bhawan Guwahati Assam 781005HDFC00045247812400019957193333
RG RoadFirst Floor, R G Baruah Road, Guwahati Assam 781024HDFC00029167812400119957193333
Beltola1st Floor, Beltola Bazar Road, Beltola Dispur Basistha Road, Saurabh Nagar, Beltola, Guwahati, Assam 781028HDFC00029307812400149957193333

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Home Loan Interest Rates August 2018
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