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Hero Housing Home loan
Hero Housing Home loan
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Hero Housing Home loan
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Hero Housing Home loanHere are a few factors
| Location | 50Km from Branch Location |
| CIBIL Score | 650+ |
| Applicant | Salaried & Self Employed Both |
| Applicant Age | Salaried-21 Year to 60 Year, Self Employed-21 Year to 70 Year |
| Loan Amount & Tenure | 20
Lac to 5 Cr (5 Year to 20 Year) |
| Login Fees | Loan<30 Lac-2950, Loan>30 Lac-5900 |
| Rate of Interest & Type | 10% to 11% (Reducing) |
| TAT | 15 Days |
| Processing Fees | 1% |
| Insurance & Other Charges | Insurance Charges:1%-4% |
| Foreclosure Charges | Nil for Individual, If Applicant is other than company-2% |
| Minimum Income | Which is fit to cover EMI |
| Lock In Period | 6 Month |
| Part Payment Allowed | Yes |
| Home Loan OD Product | No |
| LTV | 100% of Registry Value or 80% of Market Value which ever is lower |
| Product | New Purchase, Plot Purchase, Plot Purchase+Construction |
| Program | 1.
Banking Program-1 Cr 2. LIP Progra-50 Lac 3.Without ITR 30 Lac 4.BT+Topup-1 Cr 5. Normal Income -5 Cr |
| CO - Applicant | Yes |
| FOIR | If Salary<30K-45% of Net Salary,If Salary>30K-50-70% |
| Negative Profile | Any profile where collection is not comfortable |
| Funded Property Type | (i)
Residential Property (ii) Residential Plot Purchase (iii) Residential Plot Purchase & Construction |
| Negative Property | Basement, Bachha Flat, Khasra Khatauni Plot, Unapproved 4th Floor & above, Freehold unapproved Property, Home Renovation |
| Accepted Collateral | Approved Residential Property, Without Map Property, Dual Unit without MAP, Khasra Khatauni Property, Lal Dora Property, Lal Dora Plot, Sub-Divided Property, Demolition Property if entire property is coming |
| Business Vintage for Self Employed Person | 3 Year |
| Minimum Job Experience for Salaried Person | 2 Year |
| Experience with Current Employer | 3 Month |
| Any Specific Product for Professionals | Yes, For Chartered Accountant & Doctors : ROI is lower |
| USP | Seller BT, Funding to Cash Salary Applicant, Funding to NRI Applicant |
Hero Housing Home loan EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
| Loan Amount | ₹100,000 |
| Interest % | 10 % |
| Tenure (months) | 12 |
| Emi (monthly) | ₹ 8,792 |
| Total Interest | ₹ 5,499 |
| Loan Amount + Interest | ₹ 105,499 |
| Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ₹ 24,076 | ₹ 2,300 | ₹ 26,376 | ₹ 75,924 | 24.08 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ₹ 75,929 | ₹ 3,199 | ₹ 79,128 | ₹ 0 | 100.01 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Hero Housing Home loan
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