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HDFC Home Loan

HDFC is the pioneer in home loan in india with over 35 years of lending experience. HDFC bank do not provide loan. It is HDFC Ltd that offers loan. HDFC has always contributed to the economic development and social upliftment of the weaker segment of society.

Since housing loan is a long-term relationship, lender should have numerous factors like transparency right through the loan process, quality of the service offered, trust, integrity and professional service. HDFC have all of these qualities and already won trust of million customers by satisfying their needs.

 HDFC home loan india offers a range of loan products like purchase and construction of housing property, improvement loan or addition loan, loans to professional for offices or clinic, property loan, loan for land, rural loan and short bridging loan etc.

 HDFC offers housing loan for up to 80% of the agreement value of the property with easy repayment options that will match individual needs. Lenders no longer finance the stamp duty and registration charges. Loans are repaid by way of Equated Monthly Installments (EMI) within the applicable tenure. Home loans are offered with both fixed and floating rate of interest.


Loan purposes:

        Balance transfer (refinance) of an existing loan from another lender

        Property in existing or planned co-operative housing society

        Flat, bungalow and chain house

        Existing properties

  • First power of attorney purchases in Delhi for DDA flats allotted before 1992

Age: Entry age is 21 to 60 years

Co-applicants allowed: Parents, spouse, children, brother

Rate of interest: HDFC home loan interest rate can be fixed or floating rate of interest as decided by the borrower.

EMI: Lower EMI from Rs.982/lakh onwards

Loan amount: Loan amount is calculated subject to the eligibility of the borrower.

Eligibility Criteria: HDFC Home loan eligibility criteria for loan include age, income, occupation, past repayment record and credit report as per CIBIL.

Tenure: Loans are offered up to the tenure of 30 years but under pure fixed rate, loan tenure is 20 years. Loans are offered up to age till you are employed or 70 years of age whichever is earlier.

Processing fees: 0.50% of the loan amount plus applicable service tax and cess

Prepayment penalty: No prepayment penalty is charged.

Advantages of taking housing loan through HDFC Ltd

        Choice of Fixed and floating rate of interest

        Lower rate of interest

        Online loan application form availability and instant approval

        Online and fast processing of loan application

        Flexibility in repayment of loan

        Most empowered and experienced workforce to ensure smooth processing of loan

        Get loan approved even before selecting the property

        Safe storage of documentation


HDFC brings convenient repayment like:

        Step up Repayment

        Flexible loan installments plan

        Trache based EMI

        Accelerated Repayment scheme

        Telescopic Repayment option       

Interest rate under HDFC ltd:

Loan scheme Amount slab Interest rate


Up to 30 lakhs


Floating Home Loan

From 30 lakhs to 75 lakhs



Above 75 lakhs




Salaried Employment

Self Employment



Application Form with photograph

Application Form with photograph

Application Form with photograph

Identity and Residence proof

Identity and Residence proof

Identity and Residence proof

Latest Salary slip and Form 16

Education qualification certificate and proof of business existence

Education qualification certificate and proof of business existence

Last 6 months bank statements

Last 3 years income tax returns (self and business), profit/loss and balance sheet & last 6 months bank statements

Last 3 years income tax returns (self and business), profit/loss and balance sheet, last 6 months bank statements & Business profile

Processing Fees cheque

Processing Fees cheque

Processing Fees cheque


HDFC also offers home loan to NRI?'s and special scheme for rural areas. Individuals, who want to buy a new house property and are waiting for sale of their existing house, can avail Short Term Bridging loan. Maximum Term of the loan is 2 years during which lender will provide interim finance till the property

Apply online for Home Loan in India

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  •  HDFC
  •  DHFL
  •  HSBC


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