HDFC Bank Home Loan in Jammu

About HDFC Bank Home Loan in Jammu

Jammu is such a beautiful city that many people want to live here and enjoy the scenic beauty. People of the city can look forward to HDFC bank when it comes to the matter of finance. They can now build a home of their dreams through a HDFC bank home loan. The bank has a good presence in Jammu with nine branches in total.

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HDFC Bank Home Loan Jammu 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 Jammu

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 Jammu

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

Please refer to Home Loan Jammu for extra information.

Address of HDFC bank branches in Jammu

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
GandhinagarCB - 13, Rail Head Complex, Gandhinagar, ,Bahu Plaza Jammu, Jammu - 180012, Jammu and KashmirHDFC00002411802400021800221819
GumatBelow Gumat, Near Bus Stand, Gumat, Jammu - 180001, Jammu and KashmirHDFC00004131802400031800221819
Talab TilloShowroom No 9 And 10 , Karan Market, Tallab Tillo, Jammu - 180001, Jammu And KashmirHDFC00013561802400041800221819
GangyalGangyal Plot No.35, Main Road Gangyal Jammu Jammu And KashmirHDFC00019541802400051800221819
R S PoraNarain Singh Complex Main Bazar R.S Pora Jammu Jammu And KashmirHDFC00022291802400081800221819
JanipurAliy Excelsior Lane, Old Janipur, Jammu, Jammu And Kashmir 180007HDFC00025171802400121800221819
Bari BrahmnaBuilding No 5, Rajiv Colony, Bari Brahmna, Samba, Jammu, Jammu And Kashmir 181133HDFC00025581802400131800221819
NarwalPlot No 9, 1St Floor, Transport Nagar, Narwal, Jammu, Jammu & Kashmir 180012HDFC00027431802400111800221819
RehariH No. 87 Bc Road, Below Hot Billion, Rehari Chungi, Jammu Jammu And Kashmir 180005HDFC00027751802400101800221819

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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%