Home Loans at HDFC Bank
Rely on the wide range of Home Loans offered by HDFC Bank
to buy or construct your dream home. Get Home Loans for purchasing,
building, renovating, repairing, or redecorating your perfect living space. You
can also opt to transfer your existing Home Loan from another lender over to us
to benefit from our loan offers.
At HDFC Bank, you can
enjoy attractive Home Loan interest rates along with a hassle-free loan
application process, easy loan repayment options, and flexible tenures. We
offer a range of Home Loans, including Top Up Loans, Home Improvement Loans,
and Home Extension Loans.
Enjoy the convenience of applying for a loan online with our
intuitive digital application process. And if you need a bit of guidance along
the way, we also offer expert advice and prompt customer service for all
your Housing Loan queries.
1. Apply Online for a Home Loan
Attractive
Interest Rates
Seamless
Digital Application Process
Additional
Topup of Upto ₹50 lacs*
Special
Processing Fees for Government Employees
2. Home Loan Balance
Transfer
Simple
& Easy Digital Application Process
No
hidden charges
Customized
repayment options to suit your needs
3. Avail Top Up on
existing Home Loan
Maximum
Top Up Loan of ₹50 lacs*
Loans
for existing customers
Attractive
Interest Rates
Wide
Range of Home Loans
Take your pick from our different types of Home Loans for hassle
free financing:
Home Loans: Individual or joint Home Loans to buy
fresh/resale property or to construct a house.
Home Improvement Loans (HIL): The interiors of your home
embody your personality and taste. As such, you would want to leave no stone
unturned in truly bringing your vision to life. You can rely on Home
Improvement Loans from HDFC Bank for internal and external repairs and restructuring.
This loan covers various home repair/renovation activities like painting,
waterproofing and roofing, plumbing, electrical work, tiling and flooring,
grills, windows, compound walls, and much more.
Home Extension Loan (HEL): HDFC Bank also offers Home
Finance designed to help you add more space to your existing home for
growing needs. Whether it is an extra bedroom for your children, a home office,
or your very own library room, this loan lets you carve out that extra space
with easy financing.
Top Up Loan: Existing customers can avail of a Top Up Loan
on their existing Home Loan at attractive interest rates. Get a Top Up amount
up to Rs 50 lakh.
Balance Transfer: Is your current Home Loan weighing you
down? Transfer it over to HDFC Bank with our Balance Transfer facility and
enjoy all the perks that come with being an HDFC Bank customer. You can
initiate the Home Loan Balance Transfer online with our simple and easy digital
process.
*Conditions apply.
All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd
Automated
Repayment of EMIs
While EMIs allow you
to repay the borrowed amount at your own pace, we understand that it can often
get challenging to remember the payment deadlines. To help with that, HDFC Bank
allows you to set standing instructions for EMI payments to get deducted
directly from your HDFC Bank Savings Account. This facility also saves you the
trouble of procuring, signing, and tracking post-dated cheques. With automated
EMIs, you will never default on your payments and be able to maintain a good
credit history.
Different
Offerings for Different People
HDFC Bank recognises
that different people have different requirements and offers Housing
Loans specially designed for :
Agriculturists
Planters
Horticulturists
Dairy Farmers
Special
Home Loan Scheme for Agriculturists
Loans for farmers to buy or construct houses/apartments in
several of cities/towns of their choice
Home loans in residential areas of villages
Loan eligibility on the basis of agricultural land owned and the
kind of crops being cultivated by farmers
No mortgage of agricultural land required for the purpose of
home loans
No mandatory
requirement of Income Tax Returns from farmers applying for home loans
Rural
Housing Finance for Salaried and Self Employed
HDFC Bank offers special Home Loans for (Non-Resident
Indians) NRIs as well as government and private sector employees who wish to
purchase rural properties in residential areas. Businessmen and traders who
have been filing their ITR for the past three years too can avail of these
loans.
View latest interest
rates
Why
Choose HDFC Bank?
HDFC Bank has over 35
years of lending experience. As pioneers in housing finance, we have helped
over 4.4 million people achieve their dream of home ownership.
Our staff consists of
some of the most experienced and empowered personnel in the industry to ensure
that your Home Loan application sails through with ease. Most
importantly, we believe in working with integrity and honesty. Our dealings are
transparent with charges mentioned upfront.
At HDFC Bank, you can
also avail of counselling and advisory services for acquiring property.
Additionally, our customers get free and safe document storage too.
Go ahead and apply for
a Home Loan from an HDFC Bank office close to you or through our
website.
Home Loan
Repayment
At HDFC Bank, you can
repay the Home Loan through affordable Equated Monthly Instalments (EMIs). EMIs
start in the month subsequent to the month of disbursal of the loan amount
(except for under-construction properties wherein EMI can begin even after partial
disbursement).
For your convenience,
HDFC Bank offers a Home Loan EMI Calculator for you to plan your
finances with ease. Plus, you can also issue standing instructions to your
dedicated HDFC Executive Representative to pay the instalments through ECS (Electronic
Clearing System). You can also opt for direct deduction of monthly instalments
by your employer or issue post-dated cheques from your salary account.
Counselling
Services
We also offer
professional advisory services to homebuyers to help them make the right
decision.
Home Loan Fees and Charges
Buying a home of your own is a major milestone and a dream come
true. Creating a space that adequately reflects your personality and meets your
needs takes time, energy, resources, and financial planning. And that can all
add up to quite an expense. Now, HDFC Bank helps you fund your dream living
space with attractive Home Loans and affordable Home Loan processing fees.
You can avail of HDFC Bank Home Loans for building or purchasing
your own home as well as for renovations, repairs, or redecorations. The HDFC
Bank Home Loan processing fees are nominal, and the documentation
required is minimal. Along with low Home Loan charges, you can also
enjoy attractive interest rates with flexible tenures and easy repayment
options. Plus, you get exclusive access to expert advice and excellent customer
service.
Go ahead and apply for the HDFC Bank Home Loan online to
transform your dream home into reality.
1. Apply Online for a Home Loan
Attractive Interest Rates
Seamless Digital Application Process
Additional Topup of Upto ₹50 lacs*
Special Processing Fees for Government Employees
2. Home Loan Balance Transfer
Simple & Easy Digital Application Process
No hidden charges
Customized repayment options to suit your needs
3. Avail Top Up on existing Home Loan
Maximum Top Up Loan of ₹50 lacs*
Loans for existing customers
Attractive Interest Rates
The following documents are required along with your Home Loan
application:
|
Agriculturists |
Salaried Customers |
Businessmen – Professionals |
|
Application form with photograph |
Application form with photograph |
Application form with photograph |
|
Identity and Residence proof |
Identity and Residence proof |
Identity and Residence proof |
|
Last 6 months bank statements |
Last 6 months bank statements |
Last 6 months bank statements |
|
Processing fee cheque |
Processing fee cheque |
Processing fee cheque |
|
Income
Documents |
||
|
Copies of Title Documents of
Agricultural Land depicting Land holding |
Latest Salary Slip |
Educational Qualifications
Certificate and Proof of Business |
|
Copies of Title Documents of
Agricultural Land depicting crops being cultivated |
Form 16 |
Business Profile and Previous 3
years Income Tax returns (self and business) |
|
Statement of previous 2 years of
loans availed |
|
Previous 3 years Profit/Loss and
Balance Sheet |
Disclaimer: This is an indicative list only. Additional
documents may be asked for on a case-to-case basis.
* The house/property should be within area of operations of HDFC
Ltd offices.
** All Home Loans from HDFC Ltd. Credit at sole discretion of
HDFC Ltd.
|
SPECIAL
HOME LOAN RATES |
||
|
Salaried
/ SEP |
Self
Employed |
|
|
Home/HIL/HEL/Refinance/Plot
Loans |
Applicable
Interest Rates |
|
|
Upto 30
Lacs |
% |
% |
|
Women |
6.75 to 7.25 |
6.75 to 7.25 |
|
Others |
6.80 to 7.30 |
6.80 to 7.30 |
|
30.01
Lacs - 75 Lacs |
% |
% |
|
Women |
7.00 to 7.50 |
7.00 to 7.50 |
|
Others |
7.05 to 7.55 |
7.05 to 7.55 |
|
75.01
Lacs & Above |
% |
% |
|
Women |
7.10 to 7.60 |
7.10 to 7.60 |
|
Others |
7.15 to 7.65 |
7.15 to 7.65 |
|
To
View SPECIAL HOME LOAN RATES T&C Click Here |
||
|
ARHL
LOANS SLAB-WISE |
||
|
Salaried
/ SEP |
Self
Employed |
|
|
Home/HIL/HEL/Refinance/Plot
Loans |
Applicable
Interest Rates |
|
|
Upto 30
Lacs |
% |
% |
|
Women |
6.95 to 7.45 |
6.95 to 7.45 |
|
Others |
7.00 to 7.50 |
7.00 to 7.50 |
|
30.01
Lacs - 75 Lacs |
% |
% |
|
Women |
7.20 to 7.70 |
7.20 to 7.70 |
|
Others |
7.25 to 7.75 |
7.25 to 7.75 |
|
75.01
Lacs & Above |
% |
% |
|
Women |
7.30 to 7.80 |
7.30 to 7.80 |
|
Others |
7.35 to 7.85 |
7.35 to 7.85 |
|
TRU-FIXED
LOANS - 2 YEARS SLAB-WISE |
||
|
Salaried
/ SEP |
Self
Employed |
|
|
Home/HIL/HEL/Refinance
/Plot Loans |
Applicable
Interest Rates |
|
|
Upto 30
Lakh |
% |
% |
|
Women |
7.40 to 7.90 |
7.40 to 7.90 |
|
Others |
7.45 to 7.95 |
7.45 to 7.95 |
|
30.01
Lacs - 75 Lacs |
% |
% |
|
Women |
7.55 to 8.05 |
7.55 to 8.05 |
|
Others |
7.60 to 8.10 |
7.60 to 8.10 |
|
75.01
Lacs & Above |
% |
% |
|
Women |
7.65 to 8.15 |
7.65 to 8.15 |
|
Others |
7.70 to 8.20 |
7.70 to 8.20 |
|
Top-up
Loans |
||
|
Applicable
Interest Rate |
||
|
Top-up Loans for existing
customers |
7.60 to 8.10 |
|
|
Rates applicable to Top-up with
Balance Transfer Loans |
Same as HL Slabs |
|
*The above Home Loan
Interest rates/EMI is applicable for loans under the Adjustable Rate Home Loan
Scheme of HDFC Ltd. and is subject to change at the time of disbursement. The
Home Loan interest rates above are linked to HDFC's Bench Mark Rate("RPLR")
and are variable through out the tenor of the loan. All home loans are from and
at the sole discretion of HDFC Ltd. For detailed terms & conditions
visit www.hdfc.com CINL70100MH1977PLCO19916
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