HDFC Bank Home Loan in Gurgaon

About HDFC Bank Home Loan in Gurgaon

Gurgaon is one of the top cities to live in India. The city has the third highest per capita income in the entire country and has great employment opportunities. Who wouldn’t want to live in the Millennium city? Purchasing a house in Gurgaon is not a cakewalk. HDFC bank offers a home loan to the people of the city. A person can apply for the product, irrespective of whether he is salaried employee working in a reputed company or a self-employed person engaged in any activity or profession. HDFC bank has opened more than 60 branches here so as to smoothly disburse all the loan products.

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HDFC Bank Home Loan Gurgaon at a glance

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

ParticularDetails
Interest rate8.80% - 9.70%
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 Gurgaon

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 Gurgaon

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

In case of more information, please refer to Home Loan Gurugram

Address of HDFC bank branches in Gurgaon

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
Gurugram DLFA - 12, The Shopping Mall, Dlf Qutab Enclave, Phase - 1, Gurugram - 122002, HaryanaHDFC000004411024000695124-4301474
Sector 14 GurugramSco - 15, Sector - 14, Gurugram - 122001, HaryanaHDFC00000901102400120124 - 4574332 / 4082513 / 4088526
Central Processing UnitCPU, Gurugram (Bank House), Vatika Atrium, 4Th Floor, Golf Course Road, Gurugram Sec 53 HaryanaHDFC00001971102400151800-425-4332
M G RoadVatika Building, M G Road, Gurugram - 122002, HaryanaHDFC00002801102400370124-4083009
Udyog ViharB - 1, Enkay Towers, Vanijya Kunj, Udyog Vihar Phase V, Gurugram - 122016, HaryanaHDFC00004851102400770124-4142240/41/42
Sector- 53 GurugramVatika Atrium, Block - A, Sector - 53, Gurugram - 122002, HaryanaHDFC000057211024009395124-4664102
Sadar BazarEp 17 Old Railway Road, Near Sadar Bazar, Gurugram - 122001, HaryanaHDFC00005831102401100124-4066760
Palam ViharSector 22, Palam Vihar, Gurugram - 122001, HaryanaHDFC000061611024010901244300365-367
South CitySCO - 7, Sector - 31 - 32 A, Huda Main Market, Near OM Sweets, Gurugram - 122001, HaryanaHDFC00006221102401110124-4301627/28
Sector- 29 GurugramSCO 321, Sector 29, Gurugram - 122002, HaryanaHDFC0001720110240215011-61606161
DLF Cyber cityBuilding No 10, Upper Ground Floor, Tower A, DLF Cyber City, Gurugram - 122002, HaryanaHDFC00009291102401200124-4379412
Sector- 10 AKhandsa Road, , Opposite Sector - 10 A, Gurugram - 122001, HaryanaHDFC00010021102401390124-3938175

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Home Loan Interest Rates December 2018
State Bank of India/SBI8.70% - 9.25%
HDFC8.80% - 9.70%
Bank of Baroda8.65% - 9.65%
LIC Housing8.70% - 9.05%
PNB Housing Finance9.00% - 13.00%
ICICI Bank9.00% - 9.25%
Axis Bank8.80% - 9.05%
Citibank9.00% - 9.85%
Indiabulls Housing Finance Limited8.80% - 11.05%
Kotak Bank8.90% - 8.75%
DHFL9.05% - 9.95%
Reliance Home Finance8.75% - 14.00%