HDFC Bank Doctor Loan Interest rates in Goa
| Up To 10,00,000 | 10,00,000 To 30,00,000 | |
|---|---|---|
| Doctor Loan Balance Transfer from others | 12.99% | 12.99% |
| Salaried Doctor | 14.15% | 14.50% |
| Self Employed Professional Doctor | 14.15% | 14.50% |
Features of HDFC Bank Doctor Loan Goa
| Type | Features |
|---|---|
| Processing Fee | Upto 2.50% |
| Pre Closure Charges | 2.0% |
| Part Payment Charges | Allowed |
| Min Tenure | 1 Years |
| Max Tenure | 5 Years |
| Min Age | 25 Years |
| Max Age | 65 Years |
| Min Loan Amount | Rs.50,000/- |
| Max Loan Amount | Rs.50,00,000/- |
HDFC Bank Doctor Loan Goa Charges
| Type | Charges |
|---|---|
| E M I Bounce Charges | Rs.550/- per bounce |
| Penal Interest | @ 24 % p.a |
| Duplicate Statement Charges | Nil |
| Insurance Cover | Yes |
| Cheque Swapping Charges | Rs 500/- |
| Issue Amortization Schedule Duplicate | Nil |
| C I B I L Report Issuance Charges | Rs.50 Per Copy |
| N O C Issuance Charges | Nil |
| Duplicate N O C Issuance Charges | Nil |
| Loan Cancellation Charges | Nil |
| Non Standard Repayment Charges | Not Applicable |
Documentation For Doctor Loan
For Salaried Persons
- Filled Application form
- Identity Proof (PAN CARD)
- Qualification Proof
- Address Proof
- Own House Proof
- Latest 3 months Pay-slips
- 2 Passport Size color Photographs
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
For Self Employed/Professionals
- Filled Application form
- Identity Proof
- Address Proof
- Qualification Proof
- Last 2 years Income Tax Returns
- Professional/Self employed existence proof for more than 3 years
- 2 Passport Size color Photographs
- 6 months Bank Statements
- Filled Application form
- 3 Post Dated Cheques/ECS Mandate
Identity Proof For Doctor Loan
- Passport
- Driving License
- PAN card
- Photo credit card (with embossed Signature and last two months statement)
- Banker's sign verification
Age Proof For Doctor Loan
- PAN Card
- Passport
- License
- School leaving certificate
- Voter card
- Birth Certificate
- LIC policy (only for age Proof)
Address Proof For Doctor Loan
- Passport
- Telephone bill (BSNL/MTNL)
- Electricity bill
- Title deed of property
- Rental agreement
- Driving license
- Election ID card
- Photo-credit card (with last two month statements)
Job Continuity Proof For Doctor Loans
- Form 16 (For Individuals)
- Appointment Letter (for last two months)
- Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
Banking History For Doctor Loan
- Bank statements of latest 2 months
- 3 months bank passbook
Qualification Proof For Doctor Loan
- Graduate or Post Graduate qualification certificate
- IMA (Indian Medical Association) membership number
- Any other registrations allowed by Indian Government.
Own House Proof For Doctor Loan
- Sale deed of Property with own name
- Property Tax receipt with own name
- Electricity bill with own name
HDFC Bank Doctor Loan FAQ's
What are the loan tenure options for Doctor Loan?
You can repay your loan over a period of 12 to 60 months
What security do I need to provide to obtain Doctor Loan?
To obtain the loan, there is absolutely no need to provide any security or collateral.
How do I repay my Doctor loan?
You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through Electronic Clearing System (ECS ) or a standing instruction to debit your HDFC Bank account with the EMI amount
How much loan can I avail of for Doctors?
You can avail of a loan from Rs 50,000/- to Rs 50,00,000/- depending on your income, repayment capacity and respective location product cap.
What are the benefits of having a Current/Saving Account for my Loan to Doctors?
You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank account with the EMI amount.
About HDFC Bank
According to the Brand Trust Report 2014, HDFC was ranked 32nd among India's most trusted brands. HDFC was ranked 45th on the list of top 50 Banks in the world in terms of their market capitalization.
HDFC Bank Highlights
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Who are Eligible For Doctor Loans?
Following are eligible for Doctor Loans:
MBBS, BDS Graduate Doctors - Minimum 5 years of experience (Post qualification)
MD, DM, MS, MCH, MDS Post Graduate Doctors having Minimum 4 years of Experience (Post qualification)
Individual doctors employed with reputed Government or Private Hospitals in India
Self employed doctors who own a hospital, a nursing home, a Clinic in India.
Consulting doctors with leading hospitals in metro cities in India.
Hospitals in form of Proprietorship/Partnership and Private Limited companies
Eligibility and Documentation For Doctor Loan
Rate of Interest will be based on bank/financial Institutions internal policies and terms. Generally Bank account conduct, reputation of the entity, repayment capability, credit history, Promoters Back ground and other credit related factors which can be evolved for Doctor Loans.
Limit: Doctor Loans can be availed from Rs. 5 Lakhs to Rs. 75.0 Lakhs
Age: Minimum of 26 years and Maximum of 60 year on maturity of the Loan amount.
Tenure: 12 - 48 months
Doctor Loan Pros
Doctor Loan Cons
Expert Advice
Best Practices for Doctor Loan
Things not to do for Doctor Loan
Important points to be remember for Doctor Loans
As a experienced individual doctor, you need to avail a doctor loan funds so as to open a clinic and begin practicing. There are certain eligibility situations that need to be noted while avail the Doctor Loans.
About Goa
Goa is a state in India within the coastal region known as the Konkan in western India. Bounded by Maharashtra to the north and Karnataka to the east and south, the Arabian Sea forms its western coast. It is India's smallest state by area and the fourth smallest by population. Goa is India's richest state with a GDP per capita two and a half times that of the country.
It was ranked the best placed state by the Eleventh Finance Commission for its infrastructure and ranked on top for the best quality of life in India by the National Commission on Population based on the 12 Indicators.Goa is visited by large numbers of international and domestic tourists each year for its beaches, places of worship and world heritage architecture. It has rich flora and fauna, owing to its location on the Western Ghats range, a biodiversity hotspot.
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Places To Be Visited In Goa
Mangeshi Temple
Goa may have a long Portuguese history and quite a few famous churches, yet it is also home to beautiful temples and ornate mosques as well. Ponda region in Goa is famous for the 16th century Safa Shahouri Mosque as well as the 450year old Shri Mangesh temple dedicated to Shiva. The highlights of the temple are the seven-story lamp tower (deepstambha), a magnificent water tank, believed to be the oldest part of the temple and there is a prominent Nandi Bull as well inside the temple. Located on a small hillock, it is also one of the largest temples in Goa.
Dudhsagar Waterfalls
One of India’s most splendid waterfalls, Dudhsagar Falls are located approximately 60 kilometres away from Panjim. This multi-tiered waterfall gushes down milky white waters from a height of 310 metres, making it India’s fifth-highest waterfall. The site, nestled in a completely natural habitat is a pleasure to witness and one can even enjoy some swimming or rock climbing here.
Viceroy's Arch
Established in 1599 by Viceroy Francisco da Gama, the Viceroy’s Arch is made up of laterite and green granite. The archway was once the main street for entering Old Goa. The arch was built to commemorate the memory of the famous explorer – Vasco da Gama. The arch is embellished with an imposing statue of Vasco da Gama on the river side and with the statue of St. Catherine on the other side. The original arch collapsed in 1948 and was rebuilt in 1954.
Pandava Caves and Arvalem Waterfall
About 9 kms to the south of Bicholim town in North Goa is located the 6th century Pandava cave complex and Arvalem waterfalls. The cave complex is divided into 5 compartments and the ‘linga’ enshrined in the middle compartment is held in great reverence by devotees here.
Calangute
One of the most popular beaches in Goa and also the largest beach in North Goa. It is also the busiest and commercialized beaches in Goa and during peak seasons, this beach is swamped with people from all over the world. It offers a long coastline with an amazing view of the sea and the beach front is dotted shacks, restaurants, clubs and shopping outlets. Once can also enjoy a plethora of water sports at Calangute beach.
Fort Aguada
A well-preserved 17 century Portuguese fort, Fort Aguada is located on the Sinquerim Beach in North Goa. Built as the chief defence of Portuguese against the Dutch and Marathas, it was the most prized and crucial fort of the Portuguese. The fort is ringed by thick battlements and a deep dry moat. 2 things worth visiting inside the fort are the 13 metre high lighthouse built in 1864 and a vaulted cistern capable of storing ten million litres of fresh water. From here fresh water was supplied to the ships that stopped there.