HDFC Bank Home Loan in Kochi

About HDFC Bank Home Loan in Kochi

HDFC bank is one of the leading banks in India and has a very strong presence in Kochi. It has over 20 branches which are working hard to cater to the financial needs of the people. The bank offers a home loan product to all the applicants in the city who are eligible. The product can be used for any purpose, whether it is for the purchase of a new home, construction of a house, repair or improvement of the house or even extension.

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HDFC Bank Home Loan Kochi 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 Kochi

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 Kochi

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 information, please refer to Home Loan Kochi

Address of HDFC bank branches in Kochi

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
RavipuramGround Floor, Elmar Square, M G Road, Ravipuram, Kochi - 682016, KeralaHDFC00000206822400029895663333
KadavanthraMks Towers, Sahodaran Ayyappan Road, Kadavanthra, Kochi - 682020, KeralaHDFC00002956822400049895663333
Banerji RoadSudhas Building, Madhava Pharmacy Jn., Banerji Road, Kochi - 682018, KeralaHDFC00005106822400079895663333
PalarivattomBuilding No. 32, 1182, Palarivattom Junction, Palarivattom, Kochi - 682025, KeralaHDFC00005206822400029895663333
KalamasserySruthi Towers, , Near Nest, NH 47, South Kalamassery, Kochi - 682033, KeralaHDFC00007176822400089895663333
AluvaPoornima Bldg., Ground Floor, By Pass Junction, Aluva, Kochi - 683101, KeralaHDFC00003106822400059895663333
TripunithuraPindis Arcade, Market Jn. Hill Palace Road, , Tripunithura, Kochi - 682301, KeralaHDFC00004016822400069895663333
KakkanadK & T Towers, , Near Kakkanad Post office, Kakkanad, Kochi - 682030, KeralaHDFC00006846822400109895663333
ParavurFirst Floor, Adamplaza, Temple Road, N. Paravur, Kochi - 683513, KeralaHDFC00008236822400099895663333
Main Branch Choice TowersChoice Towers, Manorama Jn., Ernakulam, Kochi - 682016, KeralaHDFC00012186822400189895663333
EdapallyGround Floor, National Nandanam, , Palace Road, , Edapally, Kochi - 682024, KeralaHDFC00012866822400259895663333
ThoppumpadyCatholic Centre, St. Joseph College Building, Thoppumpady, Kochi - 682005, KeralaHDFC00012946822400239895663333

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Personal Loan Interest Rates December 2018
Bajaj Finserv10.99% - 16.00%
Fullerton India14.00% - 33.00%
HDFC Bank11.25% - 21.50%
ICICI Bank10.99% - 18.40%
IndusInd Bank10.99% - 16.00%
Kotak Bank10.99% - 20.99%
RBL13.00% - 18.00%
Standard Chartered Bank12.00% - 17.00%
Tata Capital10.99% - 18.00%
Home Loan Interest Rates December 2018
State Bank of India/SBI8.75% - 9.35%
HDFC8.80% - 9.70%
Bank of Baroda8.65% - 9.65%
LIC Housing8.85% - 9.05%
PNB Housing Finance9.00% - 13.00%
ICICI Bank9.10% - 9.35%
Axis Bank8.85% - 9.10%
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%