Standard Chartered Bank Home Loan

Standard Chartered Bank Home loan Standard Chartered Bank Home loan : In this article we will tell you Standard Chartered Bank Home loan in Hindi 2022 will provide information about If you want to take advantage of Standard Chartered Bank Home Loan then this article is for you. home loan one secured loan comes under the category of You can take home loan to fulfill your dream of home. Like other banks, Standard Chartered Bank also provides home loan facility to the customers.

You can apply for this loan both online and offline. In this article, we will know in detail what is Standard Chartered Bank Home Loan, what is the interest rate, documents, eligibility of this loan and how can we apply for this loan etc., so you can complete this article at the end. read till

Also read: SBI Home Loan

Standard Chartered Bank Home loan in Hindi

Standard Chartered Bank Home Loan In India Best home loan is one of the. If you are thinking of building a house or buying a house and you are short of money then you can join Standard Chartered Bank Home Loan. You can take a home loan to buy a house, construct a house or renovate a house. Standard Chartered Bank offers a variety of home loan schemes. SCB home loan interest rate 7.55% per annum.

Flexible repayment tenure and zero prepayment charges on this home loan. You can get maximum loan amount up to Rs 35 crore under this home loan. The maximum loan tenure of the loan is 25 years. The bank checks the credit history of the customer before giving a home loan. for this your CIBIL Score should be high. If your CIBIL score and income is high, then you can get up to a higher loan amount with attractive interest rates of the bank. Standard Chartered Bank home loan can take advantage of

If you just want to renovate your home then you can do it Standard Chartered Personal loan But the interest rate of personal loan can be higher than the interest rate of home loan.

Also read: Federal Bank Home Loan

HIGHLIGHTS:

loan name	Standard Chartered Bank Home Loan 2022
name of lender	standard Chartered Bank
loan amount	up to Rs 35 crore
Rate of interest	Starting from 7.55% p.a.
Processing fee	Up to 1% of the sanctioned loan amount
Prepayment Charges	Zero
loan tenure	25 years
official website	https://www.sc.com/in/

Also read: Navi Home Loan

Standard Chartered Home Loan Interest Rate 2022

Standard Chartered Bank home loan interest rate starts from 7.55% p.a. If you are an existing customer of the bank and your CIBIL score and income is high, then you can take advantage of the attractive interest rates of the bank. Just as Personal Loan before we take Personal Loan Interest Rate 2022 Similarly, before taking a home loan, we need to know about Home Loan Interest Rate 2022 It is necessary to have information about

If you apply for that loan without knowing the interest rate of the home loan properly, then you may have to face difficulties at the time of repayment of the loan. You should compare various home loan interest rates before applying for a home loan so that you can find the cheapest loan.

Also read: home loan for women

Standard Chartered Bank Home Loan Types

Standard Chartered Bank offers mainly two types of home loan customers which are as follows:

• Standard Chartered Home Loan
• Standard Chartered Home Saver

Standard Chartered Home Loan

Features of Standard Chartered Home Loan:

• You can get a maximum loan of up to Rs 35 crore.
• The maximum loan tenure of the loan is 25 years.
• Cashback facilities are availed on the home loan and you can get up to 2% cashback depending on your repayment track.
• Home Saver: This facility allows you to pay off your home loan faster with less interest burden.
• Insurance benefits are provided by the bank on the home loan.
• For any information related to Standard Chartered Bank home loan, you can contact 24*7 phone banking helpline number or by visiting the nearest branch of the bank.
• Facility to transfer your existing Home Loan.
• With simple balance transfer solutions, you can make your EMI payments even easier.
• Top-up loan facility against home loan.
• Home Loan Program: Under this facility, you can take advantage of refinance on payment within 6 months of the purchase of the property.
• Tax Benefits on Home Loan: Tax benefits are provided as per Section 24(B), 80C of the Income Tax Act, 1961.

Also read: City Union Bank Home loan

Standard Chartered Home Saver

Features of Standard Chartered Home Saver:

• The interest offset under this home loan scheme is calculated on the daily balance.
• You can transfer your existing home loan.
• With top-up facility, you can further ease your EMIs with simple balance transfer solutions at low rates.
• With the bank’s door step services, you can get home loan faster.
• Tax benefits are available as per Section 24 (B) and 80 C of the Income Tax Act, 1961.
• You can deposit and withdraw your money as per your requirement.
• Home Saver Statement Guide Facility with which you can understand many things related to loan.
• Benefit of insurance cover with home loan
• You can contact 24×7 by visiting the banking helpline number of the bank or the nearest bank branch.

Also read: Deutsche Bank Home Loan

Standard Chartered Home Loan Eligibility

Only those people who are eligible can apply for Standard Chartered Bank Home Loan. To apply for Standard Chartered Bank Home Loan, you need to fulfill the following eligibility:

• Minimum age should be 23 years for salaried and self-employed person.
• The maximum age for the salaried is 60 years.
• The maximum age for self-employment is 70 years.

Factors that decide home loan eligibility:

Given below are the factors that determine your eligibility:

• Age
• Income and Expenditure Pattern
• Employment Status
• credit score
• Property Type
• loan amount

Also read: Indian Bank Home Loan

Standard Chartered Bank Home Loan Documents Required

Before applying for a home loan, you should keep all your documents together so that whenever the bank asks you for documents, you can show them all the documents immediately. To apply for Standard Chartered Bank Home Loan, you must have the following documents.

Documents Required for Salaried / Self-Employed:

• photo identification
• proof of residence
• proof of age

Required financial documents (self-attested):

• Salaried Person –
  • 2 months salary slip (if variable components are present in the pay structure)
  • Latest Year Form-16
  • Bank statement of last 3 months
• Self Employed Individual/Professional –
  • Latest 2 Years IT Returns and Computation of Income (Firms and Individuals)
  • Latest 2 years P&L Statement, Balance Sheet (with all schedules) and Capital Account Statement attested by CA
  • Latest 2 Years Audit Report
• For partnership firms: Partnership deed is required.
• For Self Employed : Turnover > 1,00,00,000
• For Self Employed Professionals : Gross Receipt > 25,00,000
• Bank details of primary bank account for latest 6 months.
• For Private Limited Firms –
  • Verified by Shareholding Pattern or Memorandum and Articles of Association, ca
  • list of directors

Documents related to your property:

• Existing Home Loan Facility Details (Note: B&C can be provided before disbursement).
• letter of acceptance
• Original list of documents held by Competition Bank.
• The latest dues of the loan sought are to be acquired.
• Other Existing Loan Declaration |

Also read: IOB Home loan

How to apply for Standard Chartered Bank Home Loan?

If you fulfill all the conditions of the bank then you can apply online and offline for this. Information about the process of applying is given here.

Standard Chartered Bank Home Loan Apply Online

• To apply online, you have to first visit the official website of the bank https://www.sc.com/in/.

• website home page Mortgages Click on this option will appear.
• On the next page, all the information related to home loan will come in front of you.
• You have to read this information correctly.
• To apply you have to visit this page Apply Now Click on this option will appear.
• On the next page a form will open in front of you.
• Enter the requested information in this form and submit the form.
• After submitting the form, the bank will contact you and the loan process will be issued further.

Also read: Shriram Finance Home Loan

How to apply offline?

• To apply offline, you have to first go to your nearest Standard Chartered Bank branch.
• You have to contact the bank employee by going to the bank branch.
• The bank employee will provide you all the information related to the home loan.
• After that your documents will be verified.
• Then you have to fill a form.
• Attach the documents with the form and submit it to the bank.
• After that the loan process will be continued further.
• If you fulfill all the conditions of this home loan then the loan amount will be transferred to your bank account.

Also read: Reliance Home Loan

Standard Chartered Bank Home Loan EMI Calculator

Before applying for Standard Chartered Bank Home Loan, you should calculate the EMI (Equated Monthly Installment) of the loan. By doing the EMI of the loan, you can find out how much you will have to pay at the time of repayment of the loan. You can go to the official website of the bank Home Loan EMI Calculator With the help of this you can calculate the EMI of your loan.

Loan EMI depends on three main factors – loan amount, interest rate and loan tenure. You can find out the cheapest loan by comparing the EMI of various home loan.

Also read: GIC Home loan

Home Loan Fees and Charges

Processing Fees: Up to 1% of the sanctioned loan amount

Part Pre-payment Fee:

• Zero prepayment charges on floating rate loans
• For other categories of loans –
• Home Saver:
  • Nil for partial prepayment of less than 25% of the outstanding principal in a calendar year
  • For partial prepayment in excess of 25% of the outstanding principal in a calendar year – 2.5% of the entire amount being paid
• Loan Against Property:
  • Nil for prepayment of less than 25% of the outstanding principal in a calendar year
  • 4% of the entire amount being paid for partial prepayment in excess of 25% of the outstanding principal in a calendar year

Pre-closure Fees:

• Nil foreclosure charges on floating rate loans
• Following are the types for Home Saver Loans:
  • 2.5% of the principal outstanding
• For Loan Against Property the following are:
  • 4% of principal outstanding

Also read: Indiabulls Home loan

Standard Chartered Home Loan Customer Care Number

Email ID: customer.care@in.sc.com

Ludhiana, Bhopal, Surat, Jaipur, Kanpur, Jalandhar, Chandigarh, Allahabad, Cochin/Ernakulam, Indore, Lucknow, Coimbatore, Nagpur, Patna, Bhubaneswar, Rajkot, Amritsar, Vadodara	6601 444 / 3940 444
Siliguri	1800 345 5000 (For domestic dialing within India only)
Noida, Gurgaon	011 – 39404444 / 011 – 66014444
Bangalore Ahmedabad, Mumbai Chennai, Hyderabad, Delhi, Kolkata, Pune	6601 4444 / 3940 4444
Jalgaon, Saharanpur, Dehradun, Guwahati, Mysore, Vishakhapatnam, Cuttack, Mathura, Proddatur, Thiruvananthapuram,	1800 345 1000 (For domestic dialing within India only)

Also read: DHFL Home Loan

Conclusion

In this article we have you Standard Chartered Bank Home loan Provided complete information about If you want to take advantage of Standard Chartered Bank home loan, then you can get complete information about this home loan by reading this article. For more details you can call on Standard Chartered Home Loan Customer Care Number.

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Also read: Sundaram Finance Home loan

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