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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 .

Real Estate Board: Abitibi

CREA Privacy | Legal | Contact Us | Français 344 Slater Street, Suite 1600, Ottawa, ON K1R 7Y3 Tel: (613) 237-7111 Fax: (613) 234-2567 News Release: MLS ® Statistics: Interactive Pricing Map Search for: Real Estate Board: Abitibi -Tmiscamingue Barrie & District Brampton Brandon Brantford BC Northern Calgary Cambridge Chatham-Kent Chilliwack & District Cornwall Durham Edmonton Estevan Estrie Fort McMurray Fraser Valley Fredericton Georgian Triangle Grande Prairie Grey Bruce Owen Sound Guelph & District Hamilton-Burlington Haute-Yamaska Huron Perth Kamloops & District Kawartha Lakes Kingston & Area Kitchener-Waterloo Kootenay Lanaudiere Laurentides Lethbridge Lloydminster London & St Thomas Medicine Hat Mississauga Moncton Montral (Grand) Moose Jaw Muskoka & Haliburton Newfoundland & Labrador Niagara North Bay Northern New Brunswick Oakville,Milton & District Okanagan-Mainline Orangeville & District Orillia & District Ottawa Outaouais Parry Sound Peterborough & Kawarthas Prince Albert Québec Quinte & District Red Deer & District Regina Renfrew County Rideau - St. Lawrence Saguenay-Lac-St-Jean Saint John Sarnia-Lambton Saskatoon Sault Ste. Marie South Okanagan Sudbury Thunder Bay Tillsonburg District Timmins Toronto Valley Vancouver Vancouver Island Victoria West Central Alberta Windsor-Essex County Winnipeg Woodstock-Ingersoll York Region Yellowknife Real Estate Association: Alberta British Columbia Manitoba New Brunswick Newfoundland & Labrador Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon REALTORS® spread holiday cheer The holiday season is a favorite time of the year for most children as it is often centered on special feasts, family and gifts. But for others, the magic of the holiday season depends greatly on the generosity of the communities in which they live. As the need to help less fortunate children grows, so too does the REALTORS® Association of Hamilton-Burlington's commitment to its annual charity auction. This year, REALTORS® raised more than $72,000 for the Christmas Tree of Hope campaign, which supports more than 20 children's charities in the Hamilton-Burlington community. RAHB is the single largest contributor to this campaign, with local REALTORS® raising almost $500,000 over the past seven years. "The response from the community this year was overwhelming," said Tony Locane, Charity Auction Ad Hoc Committee Chairman. "Although people have been assisting those who were hit by natural disasters throughout the year, the community still supported our auction. You really can never underestimate the generosity of the people in the Hamilton/Burlington community when it comes to supporting children's causes." CREA represents more than 82,000 REALTORS® across Canada. The Association owns the MLS® trademark, has proprietary ownership of the REALTOR® trademark, and operates national web sites including mls.ca for residential properties and ICX.CA for commercial listings across Canada. For Residential Property For Commercial Property For International Property ©2004 The Canadian Real Estate Association. All Rights Reserved.

Real Estate Prices

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Real Estate Investing

Real Estate Software: Commercial Real Estate Software/Residential Real Estate Investment Software Excel Templates - Excel Training - Excel Add-ins Real Estate Software For Free 24/7 Microsoft Office Support See: Our Free Excel Help & VBA Help Forum . See Also our: Free Excel Newsletter Real Estate Software Real Estate Software Home - Real Estate Software Invest - Real Estate Investment Software Real Estate Investment Software for Real Estate Investors and Home Buyers. For Real Estate Loans, Mortgages, Calculate Amortization & More! See: Property X - Property Investment Analysis Software AND Real Estate Investment Analysis Software Our Most Popular Real Estate Investment Software products Back to: Financial Calculators | Financial Software | Excel Templates | Excel Add-ins | Software Categories | Search All Software Real Estate Investment Software Index Free Choice of Complete Excel Training Course OR OzGrid Add-ins Collectio n on ALL purchases totaling over $70.00. 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New Home

REALTOR.com: Real estate listings & homes for sale Welcome, Visitor! Sign Up to: Save Searches Save Listings Sign Up Now! Already a member? Sign In Homebuying Tools Find a Lender Find a Mover Market Conditions Neighborhood Tour Real Estate 101 Buyers Sellers For REALTORS® Resource Center News REALTOR.org Search the Web Select a Top Search: Bad Credit Contractors Homeowner's Insurance Debt Consolidation Interior Design Mortgage Rates Loan Types Rates Points 30-yr fixed 5.74% 0.37 15-yr fixed 5.38% 0.28 ARM 3/1, 30Yrs 4.87% 0.26 Updated: 12/29/2005 11:39:17 AM Check Local Rates Search our national directory of mortgage brokers and lenders. Find a Home Over 2.5 million listings for sale! State/Province AB AK AL AR AZ BC CA CO CT DC DE FL GA GU HI IA ID IL IN KS KY LA MA MB MD ME MI MO MN MS MT NC ND NE NH NJ NM NV NY OH OK ON OR PA PR RI SC SD TN TX UT VI VT VA WA WI WV WY - OR - Minimum Price $0 $500 $1,000 $1,400 $2,000 $5,000 $10,000 $20,000 $30,000 $40,000 $45,000 $50,000 $55,000 $60,000 $70,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $8,000,000 $10,000,000 to Maximum Price $1,000 $1,400 $2,000 $5,000 $10,000 $20,000 $30,000 $40,000 $45,000 $50,000 $55,000 $60,000 $70,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $2,750,000 $3,000,000 $3,500,000 $4,000,000 $4,500,000 $5,000,000 $6,000,000 $8,000,000 $10,000,000 no maximum Beds 1+ Beds 2+ Beds 3+ Beds 4+ Beds 5+ Beds Baths 1+ Baths 1.5+ Baths 2+ Baths 2.5+ Baths 3+ Baths 3.5+ Baths 4+ Baths More Search Options Map Search Hurricane Relief Find or offer immediately available temporary housing to assist Hurricane victims: HurricaneHousing.net Relief.WelcomeWagon.com -- Find a REALTOR State/Province Alabama Alaska Alberta Arizona Arkansas British Columbia California Colorado Connecticut Delaware District Of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Manitoba Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Ontario Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming From the National Association of REALTORS ® Join REALTORS® in supporting hurricane victims Why Use a REALTOR® With a GRI? Make the most of every moment with FamilyTime, an interactive DVD celebrating the family. Visit REALTOR® Magazine Online Read current NAR Press Releases For REALTORS ® REALTORS Relief Effort exceeds $5.2 million for Hurricane victims, donate now... Enter the Business Success Zone at REALTOR.org! Find out how REALTOR.com can help you secure more listings, sell homes for more and promote yourself and your brand NEW name for NAR member benefits offeringsthe REALTOR Benefits(sm) Program. Learn about the practical, everyday solutions for your professional and personal life! Reach new levels of success with NAR partner, The Pacific Institute! About the National Association of REALTORS ® Representing Home Owners State & Local Associations Real Estate Specialty Organizations Find an Appraiser Find a Commercial Property International Real Estate Search in popular metros: Atlanta | Austin | Boston | Chicago | Dallas | Denver | Houston | Las Vegas | Long Island | Los Angeles | Memphis | Miami | New York City | Orange County | Palm Beach | Phoenix | Sacramento | San Diego | Seattle Site Map | Corporate News & Info | Contact Us | Advertise With Us | Join our staff Terms of Use and PrivacyPolicy . 1995- NATIONAL ASSOCIATION OF REALTORS and Homestore, Inc. All rights reserved. Equal Housing Opportunity REALTOR.com is the official site of the National Association of REALTORS and is operated by Homestore, Inc. REALTOR -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR holds membership.