Home Loans FAQ Home

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 .

Rental Property

Hilton Head Rentals-Vacation, Home, Condo & Villa Rental in Hilton Head Island, SC The Premier Vacation Rental Company in Hilton Head Island, SC - Hilton Head Rentals We would first like to thank you for your consideration in selecting the professionals at Hiltonheadrentals.com to satisfy your vacation expectations on Hilton Head Island. We are proud to offer an array of guest services that will anticipate your every desire here in this beach paradise. Hiltonheadrentals.com is committed to first-rate visitor service and owner satisfaction. We take pride in the extra effort we make to insure that our owners' properties are taken care of and that our vacation guests enjoy their accommodations. Hilton Head Rentals .Com is your online portal to resort paradise! Hilton Head Island, South Carolina is the largest barrier island on the southern Atlantic seacoast, a beautiful and friendly community located in the Lowcountry between Beaufort SC and Savannah GA.Whether you dream of a romantic wedding and honeymoon, the perfect getaway for peaceful relaxation, or an action packed adventure for family members of all ages, Hilton Head Island offers unique activities. Golf, tennis, boating, kayaking, fishing, sailing, swimming, horseback riding and walking along the sandy beaches are justa few ways to experience the local climate. If you are planning your next vacation in a private home or villa:Hilton Head Rentals .Com is the exclusive rental agent for many of the finest properties in Sea Pines Plantation, Palmetto Dunes Resort, Forest Beach, Singleton Beach, and other unique locations throughout Hilton Head Island, South Carolina. If you are an resort property owner and would like to list your home or villa for rental with us at Hilton Head Rentals .Com, you will find we have numerous high class repeat guests and our support staff is unparalleled by any other property management company. From the beginning, we have committed a lot of thought and energy to make Hiltonheadrentals.com successful. We have designed a new website along with smarter, more cost-effective ways of renting our properties. Come to Hilton Head Island, SC and enjoy the year-round first class vacation resort. We welcome your inquiries and look forward to helping you enjoy a wonderful vacation here on Hilton Head Island. We hope to see you soon. Hilton Head Island Vacation Rentals Search 1 2 3 4 5 6 7 8 9 10 11 12 13 14 7 Check-In Date Sleeps Nights 1 Bedroom 2 Bedroom 3 Bedroom 4 Bedroom 5 Bedroom 6 Bedroom Other Please Call Sea Pines Folly Field Palmetto Dunes Forest Beach Shipyard Shelter Cove Number of Bedrooms Preffered Location Save HUNDREDS!!! | Last Minute Hilton Head Vacation Rental! Bookmark This Page | Sitemap .. Thursday, December 29, 2005 | Call 1.800.368.5975 NEW! - Hilton Head Pet Friendly Rentals Hilton Head Rentals By Location > Sea Pines > Folly Field > Palmetto Dunes > Forest Beach > Shipyard > Shelter Cove Hilton Head Rentals By View > Oceanfront > Oceanside > Oceanview > Marsh view > Lagoon > Wooded > Golf/Fairway > Harbour Hilton Head Rentals By Bedrooms > 1 Bedroom > 2 Bedrooms > 3 Bedrooms > 4 Bedrooms > 5 Bedrooms > 6 Bedrooms FEATURED VACATION RENTAL 62 North Sea Pines Drive in Sea Pines This six bedroom home is located in Sea Pines Plantation and has all the amenities for an enjoyable vacation on Hilton H... >>more Click here for Our Luxury Rentals 10 Columbine Lane - Sea Pines Surrounded by Sea Pines best beaches and 3 golf courses, this one level 3 bedroom pet friendly renta... >> More The Opal - Sea Pines This 4 bedroom luxury home is located in Sea Pines on the deep water side of Calibogue Cay. Floor p... >> More 64 Mooring Buoy - Palmetto Dunes This beautiful 5 bedroom 2nd-row-to-the-ocean rental home is what vacationing in paradise on Hilton ... >> More The Pearl - Forest Beach This beautiful 4 bedroom oceanfront home is located just outside the back gate of Sea Pines Plantati... >> More LIST YOUR VACATION RENTAL TODAY WITH HILTON HEAD RENTALS . COM ... CLICK HERE! Hilton Head Vacation Rentals | Hilton Head Villa Rentals | Hilton Head Home Rentals | Vacation Discounts About Hilton Head Rentals Dot Com | Contact Us | Terms & Conditions | Privacy Policy | List Your Property | Owner's Login Villamare Villas | Shipyard Condo Rentals | Plantation Club - Sea Pines Hilton Head Real Estate | Hilton Head Rental Guide | Hilton Head Accommodation Vacation Rental Resources ©2005 Performance Development Corporation, Inc. All rights reserved. Designed & Produced by: Performance Development Corporation 14 New Orleans Road | Hilton Head Island, SC |29928 843.671.4700

Real Estate Listing

Real Estate for Sale from Government Surplus & Foreclosures on FirstGov.gov Skip to Main Content Skip to Government Search Skip to Bottom Nav Skip to Top Nav Bar-Right Aligned Skip to By Organization Skip to Contact Your Government Skip to Top Nav bar Skip to Reference Center Skip to Commercial Buildings and Land Skip to Farms and Ranches Skip to Single Family Homes Skip to State and Local Government Sales Search Government Websites Advanced Search Search Tips Home About Us Site Index Frequent Questions Help Español Other Languages By Organization » A-Z Agency Index Federal Executive Federal Legislative Federal Judicial Cross-Agency Portals State Government Local Government Tribal Government Contact Your Government » E-mail Phone In-Person Frequently Asked Questions more Reference Center » Data & Statistics Forms Graphics and Photos Laws & Regulations Libraries more Home > Shopping > Surplus & Foreclosed Real Estate Real Estate for Sale from Government Buy real estate that the government has seized or no longer needs, through public auction or other methods. Includes commercial buildings, investment properties, land, multifamily and single family homes, condominiums, mobile homes, farms, ranches and agricultural properties. On This Page Commercial Buildings and Land Farms and Ranches Single Family Homes State and Local Government Sales More Shopping Cars and Vehicles for Sale Government & Nonprofit Buyers Government Securities & Investments Sales by Agency Souvenirs, Books & Gifts for Sale Supplies & Equipment for Sale Commercial Buildings and Land Buy Commercial Real Estate and Land from the Federal Government Click on map to view properties for sale from the U.S. General Services Administration (GSA), U.S. Department of Agriculture (USDA), Department of Housing and Urban Development (HUD), and the Department of Veterans Affairs. Also links to other agencies' commercial real estate sales. Farms and Ranches USDA Farms and Ranches for Sale Search by state for farms, ranches, structures and agricultural properties for sale from U.S. Department of Agriculture's Farm Loan Program. Single Family Homes Buy Single Family Homes from the U.S. Government Click on a state to find homes for sale from the U.S. Departments of Housing and Urban Development (HUD), Agriculture (USDA/Rural Development), and Veterans Affairs. Includes residential homes, condominiums and mobile homes. Single Family Home Sale Links to Various Federal Agencies Links to federal agencies selling homes: HUD, Veterans Affairs, Federal Deposit Insurance Corporation, General Services Administration, Internal Revenue Service, Small Business Administration, Army Corps of Engineers, Customs, U.S. Marshals and USDA. Back to Top State and Local Government Sales State and Local Surplus Property Sales Find state and local government surplus auctions. Important Notices Privacy Contact Us Suggest-A-Link Link to Us FirstGov.gov TM is the U.S. government's official web portal: Federal Citizen Information Center Office of Citizen Services and Communications , U.S. General Services Administration 1800 F Street, NW, Washington, DC 20405 Questions about the federal government? Check our frequently asked questions , e-mail FirstGov or call 1 (800) FED INFO (1-800-333-4636)