HDFC Bank Home Loan in Patna

About HDFC Bank Home Loan in Patna

Patna is the capital of Bihar and therefore many people across the state want to settle here. A home is a place where you can relax at any point of time and create memories. HDFC bank offers all the loan seekers in Patna a home loan at good interest rates. The applicant has to meet the eligibility criteria set by the bank. The bank has more than 20 branches in Patna. A home loan product is in demand because it offers the loan seeker an option to secure finance and later repay it as EMI every month.

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HDFC Bank Home Loan Patna 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 Patna

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 Patna

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 Patna.

Address of HDFC bank branches in Patna

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
Exhibition Road Bimla Sadan, Holding No # 801 / 432, Ward No # 37, Exhibition Road, Patna - 800001, BiharHDFC000018680024000218602666161
Boring RoadAmba Plaza, , Near Lakshmi Complex, , Boring Road, , Patna - 800001, BiharHDFC000023580024000318602666161
Sabzi BazarMaa Shakambari Complex, , Ashok Raj Path, Sabzi Bazar, Patna City, , Patna - 800008, BiharHDFC000033280024000418602666161
Kankar BaghB / 33, BiNodini Sadan, , Patrakar Nagar, , Kankarbagh, Patna - 800020, BiharHDFC000047780024000518602666161
Raja BazarShop No 4, Kesav Place, Khajpura, Bailey Road, Rajabazar, Patna - 800014, BiharHDFC000164980024000618602666161
Barh1st Floor, Sisodiya Complex, Station Road, Barh, Patna - 803213, BiharHDFC000224880324010218602666161
Ashok Rajpath RoadDeep Ganga Complex, Ashok Rajpath Road, Patna Bihar 800002HDFC000253280024000818602666161
AnisabadRadhika Complex, Balami Chak More, Anisabad, Balami Chak More, Anisabad, Patna Bihar 800002HDFC000251480024001118602666161
Rajendra NagarSri Ram Enclave 15 A, Arya Kumar Road, Rajendra Nagar, Patna Bihar 800016HDFC000285180024001018602666161
RamKrishna NagarRamkrishna Nagar, 3C, Bypass Road, Patna, Bihar 800020HDFC000423380024001218602666161
Ashiyana NagarShipra plaza, Ashiyana Nagar Digha road opposite ICICI bank training center Patna Bihar 800025HDFC000423480024001418602666161

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Home Loan Interest Rates October 2018
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HDFC8.80% - 9.60%
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