HSBC Home Loan in Kolkata

About HSBC Bank Home Loan in Kolkata

Kolkata is the former capital of India and the city of joy. What can be greater than owning a home in the city of joy. The entire feeling of buying a house is so special. The city has a charm of its own and hence people want to live here. Buying a house at one go can turn out to be a costly affair. HSBC bank offers a home loan to the people based in the city. The loan amount will depend upon the eligibility of the loan seeker and his/her repayment capacity. HSBC bank has opened up a branch in the capital of West Bengal.

HSBC Bank Home Loan Kolkata at a glance

The important details of the product offered by HSBC bank have been given below.

ParticularDetails
Interest rate

8.50% - 9.00%

Loan amountMinimum amount- ₹ 3 Lakhs
Maximum amount- ₹ 10 Crore
TenureUp to 20 years
For salaried customers- up to 25 years
Processing fee1% of the sanctioned loan amount plus service tax
Pre-payment chargeNIL

Eligibility criteria for HSBC Bank Home Loan Kolkata

HSBC bank has set up certain norms of eligibility for the interested applicants. Any applicant is supposed to fulfill them if he/she wishes to avail a home loan from the bank.

  • The minimum age of the applicant should be 21. This means he/she should have attained the age of 21 when the loan is applied.
  • The maximum age at the time of maturity for a salaried employee, public limited or government employee and a self-employed individual is 58 years, 60 years and 65 years respectively.
  • The bank has set a minimum annual income requirement for every applicant. In case, the applicant is a salaried employee he/she must an annual income of at least ₹ 5 Lakhs. For self-employed individuals, the requirement is at least ₹ 7.5 Lakhs as annual income

Documents required for HSBC Bank Home Loan Kolkata

The applicant is required to submit some documents to the bank for successful disbursal of a home loan. The list of important documents for salaried customers, self-employed individuals and consultants / Self-employed Professionals have been given below. Have a look at them.

For salaried employees

  • Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
  • Proof of Age- PAN card/Driving license/Passport/School leaving certificate
  • Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation
  • Proof of Income- Latest salary slips of three months which shows statutory deductions
  • Bank statement of the past three months which shows last three salary credits

For self-employed individuals

  • Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card.
  • Proof of Age- PAN card/Driving license/Passport/School leaving certificate
  • Proof of Income- Income Tax returns of the previous two financial years
  • Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation
  • Audited Balance Sheet and Profit & Loss account
  • Partnership Deed in case of Partners of a partnership firm
  • For directors of a private limited company- Memorandum and Articles of Association or Share holding Pattern and List of directors
  • Bank statements of the past six months

For Consultant / Self-employed Professional

  • Bank account statement of the past six months
  • Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card
  • Proof of Age- PAN card/Driving license/Passport/School leaving certificate
  • Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation
  • Audited Balance Sheet and Profit & Loss account
  • Income Tax returns of the previous two financial years

For more information please refer to Home Loan Kolkata

Address of HSBC bank branches in Kolkata

The address of HSBC bank branch in the city has been given below along with its IFSC & MICR codes and contact details.

BranchAddressIFSCMICRContact details
Main Branch, Kolkata 31 Bbd Bagh, Dalhousie Square, Kolkata 700001, West BengalHSBC07000047000390049830675144

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