HDFC Bank Home Loan in Lucknow

About HDFC Bank Home Loan in Lucknow

Lucknow is proudly called as the city of Nawabs. The city is known all the over world for its tehzeeb, culture and food. Lucknow is now developing very fast and is already listed in the smart cities mission. All these things are enough to make a person want to live in the city. HDFC bank provides a home loan to every eligible loan seeker at the most convenient rate. The bank is serving the people of Lucknow with more 20 branches located at key locations in the city.

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HDFC Bank Home Loan Lucknow 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 Lucknow

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 Lucknow

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

Check out Home Loan Lucknow for more information.

Address of HDFC bank branches in Lucknow

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
Hazratganj31 / 31 Mg Marg, Hazratganj, Lucknow - 226001, Uttar PradeshHDFC00000782262400029935903333
Faizabad Road11, Raised Ground Floor, Lekhraj Khazana, Faizabad Road, Lucknow - 226016, Uttar PradeshHDFC00002962262400039935903333
AliganjA1 / 15, Sector H, Main Purania Chauraha, Aliganj, Lucknow - 226024, Uttar PradeshHDFC00004122262400049935903333
Alambagh56 & 57 Chander Nagar, Alambagh, Lucknow - 226005, Uttar PradeshHDFC00007222262400089935903333
AminabadA. R. Centre, Opposite Gulmarg Hotel - Aminabad, Lucknow - 226018, Uttar PradeshHDFC00007232262400079935903333
Gomti Nagar5 / 19 Vishal Khand, Gomti Nagar, Lucknow - 226010, Uttar PradeshHDFC00011122262400099935903333
Rajajipuram2Cp 213 - 216 E Block, Main Road, Rajajipuram, Lucknow - 226017, Uttar PradeshHDFC00011362262400119935903333
Tekari Chambers17 / 3 Tekari Chambers, Ashok Marg, Lucknow - 226001, Uttar PradeshHDFC00012672262400109935903333
Usman Road72/2, Usman Road, Near Command Canteen, Cantt Lucknow Uttar PradeshHDFC00019072262400139935903333
JankipuramB - 1 / 294, Jankipuram, Lucknow - 226021, Uttar PradeshHDFC00019082262400129935903333
AashianaA - 849, Sector I, Aashiana, Lucknow - 226012, Uttar PradeshHDFC00019432262400149935903333

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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 Bank8.80% - 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%