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HDFC : Home Loan FAQs - Your Complaint - Your Questions - FAQs - Sitemap Search : Newsroom Home Page FAQs Home Loans FAQ Home Loans FAQs Non-Resident Indian FAQs Variable Rate Deposits FAQs HDFC Home Loans FAQs -- How will HDFC decide my home loan eligibility? We assess the customers repayment capacity while deciding on the home loan eligibility. Repayment capacity is based on factors such as income, age, qualifications, number of dependants, spouse's income, assets, liabilities, stability and continuity of occupation and savings history. And, of course, our main concern is to make sure that you can comfortably repay the loan amount. To get an indicative eligibility please click here: Loan Calculator Back to top --What are the different interest rate options you offer? We offer the following loan options Adjustable Rate Home Loans Fixed Rate without money market conditions with money market conditions 2-in-1 Home Loans Back to top --How do I apply for the loan? HDFC Home Line HDFC Office Locator Apply Online SMS HDFCHOME to 6767 Back to top --Can HDFC assist me in selecting accommodation of my choice? We can assist you in finding the property of your choice. For information on this service, do contact our Property Services . Back to top --What Documents do you need for a loan approval ? Click here for List of Documents . Back to top --What is an EMI? You repay the loan in Equated Monthly Instalments (EMIs) comprising principal and interest. Repayment by way of EMI commences from the month following the month in which you take full disbursement. EMI Calculator Back to top --What is pre-EMI interest? Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement upto the date of commencement of EMI. Back to top --What is Tranche Based EMI repayment option ? To help customers save pre-EMI interest, we have introduced a special facility of Tranche Based EMI. For under construction properties customers can choose the instalments they wish to pay, till the time the property is ready for possession. Anything paid over and above the interest by the customer goes towards Principal repayment. The customer benefits by starting EMI and hence repays the loan faster. Back to top --Can I repay my loan ahead of schedule? Yes, you can repay the loan ahead of schedule by making Lumpsum payments or choose our accelerated repayment scheme . There are NO charges for choosing an accelerated repayment scheme and for lumpsum payments under Adjustable Rate Home Loan. There are no prepayment charges under fixed rate loans for prepayments less than 25% of the opening loan amount outstanding in a financial year. Prepayment charges are applicable under Fixed and Adjustable Rate Home Loan for prepayment through a refinance from other bank or institution. For further details please contact our Loan Counsellor. Back to top --Do I get a tax benefit on the loan? Yes. Resident Indians are eligible for certain tax benefits on principal and interest components of a loan under the Income Tax Act, 1961. Interest repayment of Rs. 1,50,000 p.a. can get you a tax saving upto about Rs. 47,250 p.a. Moreover, you can get added tax benefits under Sec 80 C on repayment of principal amount upto Rs. 1,00,000 p.a. that can further reduce your tax liability by about Rs. 30,000 p.a. Back to top --What security will I have to provide? The security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be additionally required, if the property is under construction. Collateral or interim security could be assignment to HDFC of life insurance policies, the surrender value of which is at least equal to the loan amount, guarantees from sound and solvent guarantors, pledge of shares and such other investments that are acceptable to HDFC. Please do ensure that the title to the property is clear, marketable and free from encumbrance. To elaborate, there should not be any existing mortgage, loan or litigation, which is likely to affect the title to the property adversely. Back to top --Does the Agreement for Sale have to be registered? In many states in India, the Agreement for Sale between the builder and purchaser is required by law to be registered. You are advised, in your own interest to lodge the Agreement for registration within four months of the date of the Agreement at the office of the Sub-Registrar appointed by the State Government, under the Indian Registration Act, 1908. Back to top --Are there any restrictions on transfer of immovable properties? In terms of Chapter XX C of the Income Tax Act, 1961, the Central Government has the first option to purchase certain immovable properties exceeding certain value and as such transactions covered by this Chapter can be proceeded with only after complying with the requirements prescribed therein. Back to top --Will HDFC finance persons of Indian origin holding foreign passports? As per current guidelines of the Reserve Bank of India persons of Indian origin holding foreign passports are eligible for loans with HDFC. Back to top --How is my loan reassessed if there is a change in status from Non-Resident Indian to Resident Indian? The repayment capacity of the applicant(s) based on Resident status is reassessed and a revised repayment schedule worked out. The new rate of interest will be as per the currently applicable rate of Resident Indian loans (for that specific loan product). This revised rate of interest would be applicable on the outstanding balance being converted. A letter is given to the customer confirming the change of status. Back to top --Are these policies subject to change? Yes. These policies will be reviewed periodically. Back to top Suggestions Tell a Friend Print this Page -- Frequently Asked Questions HDFC Bank | HDFC Mutual Fund | HDFC Standard Life | HDFC Securities | HDFC Realty | HDFC Chubb | Intelenet Global | CIBIL Disclaimer 1999 Housing Development Finance Corporation Limited. Site Designed & Developed by IL&FS Infotech Limited .
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Amazon.com: House of Sand and Fog [SOUNDTRACK]: Music Your Store Music See All 32 Product Categories Your Account | Cart | Wish List | Help | advanced search | browse styles | classical | top sellers | new & future releases | music you should hear | blowout music | used music | free downloads Search Amazon.com Popular Music - Artist Name - Album Title - Song Title Used Music Classical Music Music Downloads Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . MUSIC INFORMATION Explore this album buying info see track listings editorial reviews customer reviews RATE THIS ALBUM I dislike it I love it! 1 2 3 4 5 Edit your ratings Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . 62 used & new from $10.89 Have one to sell? House of Sand and Fog [SOUNDTRACK] James Horner List Price: $17.98 Price: $17.98 & eligible for FREE Super Saver Shipping on orders over $25. See details . Availability: Usually ships within 24 hours 62 used & new from $10.89 See more product details Better Together Buy this album with Angels in America [Soundtrack] ~ Thomas Newman (Performer)today! Buy Together Today: $36.96 Customers who bought this title also bought: The Village (Score) [Soundtrack] ~ James Newton Howard (Composer), et al Road to Perdition [Soundtrack] ~ Thomas Newman (Performer), et al Iris (2001 film) [Soundtrack] ~ James Horner, Joshua Bell (Performer) The Horse Whisperer: Original Score [Soundtrack] ~ Thomas Newman Message In A Bottle: Original Motion Picture Score (1999 Film) [Soundtrack] ~ Gabriel Yared (Composer), et al Finding Neverland [Soundtrack] ~ Jan A.P. Kaczmarek (Composer), et al Far from Heaven (Score) [Soundtrack] ~ Elmer Bernstein (Composer) A Beautiful Mind: Original Motion Picture Score [Enhanced] [Soundtrack] ~ James Horner Explore Similar Items : 20 in Music What similar items do customers ultimately buy after viewing this item? 20% buy Searching For Bobby Fischer (1993 Film) ~ James Horner (Composer), James Horner (Conductor) 19% buy The Missing (Score) ~ James Horner (Composer), James Horner (Conductor) 17% buy Beyond Borders ~ James Horner (Composer), et al 12% buy this item(House of Sand and Fog~ James Horner (Composer) 6% buy The Last Castle ~ Jerry Goldsmith (Composer), et al 5% buy The Cell (2000 Film) ~ Howard Shore 3% buy The Game ~ Howard Shore Explore Similar Items : 9 in Music Product Details Essential recordings: James Horner Audio CD (December 9, 2003) Number of Discs: 1 Label: Varese Records Format: Soundtrack ASIN: B0000YEF20 Average Customer Review: Based on 5 reviews. Write a review . Amazon.com Sales Rank: Today: #15,390 in Music Yesterday: #103,294 in Music Customers interested in James Horner (Composer) may also be interested in Sponsored Links ( What's this? ) Feedback James Horner Sheet Music Titanic, Legends of the Fall and more. 387,000 titles. Fast. Go now! www.SheetMusicPlus.com Track Listings 1. An Older Life 2. The Waves of the Caspian Sea 3. Old Photos, New Memories 4. This Is No Longer Your House 5. Two People 6. Kathy's Night 7. Parallel Lives, Parallel Loves 8. Behrani's Thoughts - Long Ago 9. Break-In 10. The Dreams of Kings 11. The Shooting, A Payment for Our Sins 12. We Have Travelled So Far, It Is Time to Return to Our Path 13. A Return to the Caspian, And to the Iran of Old Editorial Reviews Amazon.com A California real estate dispute may hardly seem the foundation for riveting drama, but in director Vadim Perelman's adaptation of Andre Dubus II's novel it becomes an unflinching, yet crucially non-judgmental study of disparate characters caught up in a spiraling conflict where home is considerably more than a place to live. Composer James Horner takes the medium-budget project as an opportunity to break with much of the melodic expectations of his Hollywood fare, coloring the film's more personally-scaled drama with an introspective score that turns on masterful musical evocations of mood and emotion. Horner begins with a deft electronic/orchestral synthesis ("An Older Life") that both recalls some of T-Dream's more evocative cinematic moments and subtly sets up the score's melancholy emotional tone. From there he relies heavily on autumnal, string writing (reminiscent of Copland and Barber) and spare piano flourishes, seasoned with inventive rhythmic touches, to carry its moody tone forward. While it may draw on some of the same minimalist and post-modern influences as A Beautiful Mind , it has a wholly different emotional cast; a dark, but deeply rewarding musical journey. --Jerry McCulley Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 10 of 10 people found the following review helpful: Great return to form for Horner , January 8, 2004 Reviewer: James Luckard (Los Angeles, CA)- See all my reviews I agree with the previous reviewer. I used to be a huge Horner fan and picked up most of his new albums until about five years ago, when I felt he lost his magic. Most of his recent scores have sounded like they were on autopilot, and I still remember my horror at seeing Enemy at the Gates and hearing his main theme, also known as the main theme from Schindler's List. Now, I know, there are a thousand arguments about why film music is not always meant to sound totally original, and that Williams may have even borrowed some of his Schindler's melodies from elsewhere. It's all a matter of personal taste and I just haven't been moved by a Horner score for a while. When I saw this beautifully crafted film, however, I was struck by the simplicity and emotional depth of Horner's work. It reminds me a great deal of his beautiful score for Deep Impact. I was also glad to not hear tunes he'd used previously elsewhere. Although this doesn't have any of the driving, epic, thematic music Horner became a star for, like Titanic, it's a hauntingly beautiful work and is certainly worth picking up, especially for the wrenching final half-hour of the film, which is almost entirely scored. Was this review helpful to you? ( Report this ) 16 of 16 people found the following review helpful: James Horner's best work in a long time. , February 15, 2004 Reviewer: Richard Stoehr "Differed From" (Bremerton, WA USA)- See all my reviews Even a diehard James Horner fan (like me) has to admit that, for the past few years, Horner has been skating by. With the scores for "Enemy at the Gates", "Radio", and "A Beautiful Mind", among others, Horner borrows heavily from himself and regurgitates old themes and progressions. Even the score for which he's perhaps best-known -- the Oscar-winning "Titanic" -- is heavily derivative of his own previous work. Finally, with "House of Sand and Fog," Horner has given us something to treasure again: an original, moving score for a great film. Listening to this music, I am reminded why I started following Horner's work so long ago. His subtle touch and avoidance of a "catchy" theme is evident in every track. Among my favorite pieces are "Two People," "The Dreams of Kings," and "Old Photos, New Memories"... but really, every song is a good one, and the album as a whole can be numbered as one of Horner's true masterpieces. What I admired most about it was that Horner was able to abandon the style he has adopted for most of his recent work and just let the spirit of the film take over. Good film music is all about making music which evokes the right emotion for the film it accompanies, and the music for "House of Sand and Fog" does that perfectly, not only going along with but enhancing the feeling of each scene. The fact that the music is a joy to listen to on its own just makes it that much better. Listening to James Horner's score for "House of Sand and Fog" reminds me of when I first listened to "Glory" and "Field of Dreams" and "Sneakers"... not because these scores are similar, but because they are all unique. They all bear the mark of James Horner, but it is Horner at his original and emotional best, and James Horner at the top of his game makes for some wonderful music. Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 5 of 5 people found the following review helpful: Serves the Movie Well , July 16, 2004 Reviewer: Robert Stribley (The Deep South, United States)- See all my reviews I agree with many here who say that much of James Horner's music has sounded the same of late, but that this soundtrack is exceptional. Quiet, elegant, melancholy, moving: not words you'd use to describe a movie soundtrack, especially a wide-release flick like this, these days. I even agree that some of the pieces remind me of Gorecki. "The Waves of the Caspian Sea," for example, sounds remarkably like the Polish composer (one of my favorites, too), to the point that I almost expect to see his name in the credits. Overall, truly haunting and beautiful. Was this review helpful to you? ( Report this ) 6 of 6 people found the following review helpful: One of the best of 2003 , March 26, 2004 Reviewer: A music fan James Horner has never been my favorite composer. I think he borrows heavily from himself without ever stating anything new. This isn't always a problem if the composer takes his "internal themes" and transfers in an invigorating way to new material. But for me, Horner doesn't do that. With this score for THOSF, Horner really hits one home. I actually had to look at the cd just to make sure it really said "music composed by James Horner", this is so beautiful and different for him. As others have said, all of the tracks really are beautiful. This isn't the type of score you put on as background music nor something you listen to to Not think. This score is emotive and heavily melancholic. It reminds me of Gorecki's Symphony No.2, and if you know that piece of music, you know there's no a higher compliment I can pay this score. (BTW, if you're interested in a composer doing new and exciting things check out Danny Elfman's score for The Hulk, his score that should've been nominated over his mediocre one for Big Fish.) Was this review helpful to you? ( Report this ) 11 of 11 people found the following review helpful: OSCAR CONSTENDER!!!! , December 10, 2003 Reviewer: A music fan (somewheres) This soundtrack is deep in emotion, but extremely subtle and "underplayed"- a beautiful and very relaxing work. Listen to it in the dark! It is come of the most calming music! And for all you Horner fans out there - he does not borrow any real theme or even transitions (until the 15 minute track - "the Shooting, and Payment for our sins" where there is actually one statement from the missing score). Other than that his style is pretty much the same even though a lot less melodic and more like Lisa Gerrard's WHALERIDER, or DRAGONFLY by Debney. The instruments used are piano (there is wonderful piano solo in "TWO PEOPLE", string orchestra with synths and a tiny bit of oboe and flute. Also a neat touch for the tension motif is the plucking of strings along w/ timpani! If you like darker, ambient and personal scores get this today!!!! Was this review helpful to you? ( Report this ) See all 5 customer reviews... Customers who bought titles by James Horner also bought titles by these artists: Hans Zimmer John Williams Jerry Goldsmith Alan Silvestri Thomas Newman Explore similar artists So You'd Like To... See the 47th Grammy winners (Soundtracks, Children & Misc.) :by Peter Hilgendorf , Amazon.com Sr. Music Editor See the 2004 Oscar Winners and Nominees on DVD :by Doug Thomas , DVD Managing Editor, Amazon.com See the 2004 Academy Award Winners & Nominees :by Joe , Movie Lover Listmania! 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