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Here are a few factors

Rating 4.6 / 5★★★☆☆
Total - 352 ratings
5 ★
240
4 ★
100
3 ★
4
2 ★
5
1 ★
3
Location 50Km from Branch
CIBIL Score 650+, Minus 1 CIBIL Applicant
Applicant Any Salaried or Self Employed Person
Applicant Age Salaried-22 Year to 60 Year
Self Employed-22 Year to 65 Year
Loan Amount & Tenure 5 Lac to No Limit
(5 Year to 25 Year)
Login Fees 3000+
Rate of Interest & Type Salaried:8.45% to 10% Self Employed: 8.50% to 10%
TAT Salaried-7 Days
Self Employed -15 days
Processing Fees Upto 1%+GST
Insurance & Other Charges Insurance Charges:0%-2%
Foreclosure Charges Nil for Individual & 2% for other than individual
Minimum Income Which is fit to cover EMI 
Lock In Period Nil
Part Payment Allowed Yes
Home Loan OD Product No
LTV Lower of (i) 90% of Market Value if Loan amount<30 Lac, 80% of Market Value if Loan amount>30 lac-75Lac,
>75Lac-75% of Market Value(ii) 150% of Registry Value
Product New Home Purchase, Plot Purchase, Plot Purchase+Construction, Construction Loan, Home Renovation, BT+Topup
Program Banking Program-5 Cr
GST Program-2 Cr
Income Program-No Limit
Gross Receipts (for CA, Doctors, Architecht)-3 Cr
CO - Applicant Yes
FOIR Salaried: <50K> 55%,50K >1 Lac Lac-60%, >1Lac- 70% Self Employed: 100% FOIR
Negative Profile Real Estate, Cash Salary Applicant, Advocate, DSA
Funded Property Type (i) Residential Property
(ii) Residential Plot Purchase
(iii) Residential Plot Purchase & Construction
Negative Property Khasra-Khatauni Property, Lal Dora Property, Un-approved Property, GPA Property,
Gram Panchayat Property, Legal & technical not clear, GPA Property, Auction Property,
Bachha Flat,Basement,Sub-divided Property,Without MAP Property, Subject to Sale Deed
Accepted Collateral Approved Property, Approved Plot, Regularized Colony
Business Vintage for Self Employed Person 3 Year
Minimum Job Experience for Salaried Person 2 Year
Experience with Current Employer 3 Month
Any Specific Product for Professionals Yes, For Chartered Accountant, Doctors & Architect: Maximum Loan upto 3 Cr
(For Doctor & CA-5 time of cash profit & for Architect 3 time of cash profit)
USP Upto 3 Cr Loan no Financial Required
Additional 1. Funding to NRI is doing
2. Seller BT Product not doing
Right Document : Easy Process

Required Documents to Apply for HDFC Bank Home Loans

Salaried income documents

  • KYC of applicant & Co-Applicant
  • Last 3 Month Salary Slip of Applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 2 Year Form 16 of applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Appointment letter of applicant if available
  • Agreement to Sale if purchase case
  • Property Paper with complete chain of last 13 years
  • Approved MAP of Property if available
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Latest utility Bill if owned residence or rent agreement if rented
  • 2 Reference with contact details

Self Employed person documents

  • KYC of applicant & Co-Applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 3 year audited balance sheet of applicant
  • Last 3 year Tax audit report of applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Copy of GST registration
  • Copy of MSME registration
  • Copy of Last 12 month GST return
  • Agreement to Sale if new purchase case
  • Property Paper with complete chain of last 13 years
  • Approved MAP of Property if available
  • LOD (List of documents), Foreclosure Statement & SOA (Statement of account) if BT case
  • Sanction letter of all running loan
  • Debt Sheet
  • Latest utility Bill of residence if owned or rent agreement if rented
  • Latest utility Bill of Office if owned or rent agreement if rented
  • 2 Reference with contact details
  • Last 3 year Debtors & Creditors on letter head
  • List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Some Important Points

1. KYC Means
If Applicant is
  • Company-MOA, AOA, COI , PAN Card
  • Partnership Firm/LLP- Partnership Deed & PAN Card
  • Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
For Co-Applicant
  • KYC means  Adhaar Card, PAN Card, Passport Size Photo

Co-Applicant means in case of
  • Company : Directors
  • Partnership firm/LLP : Partners
  • Proprietorship Firm : Spouse of Proprietor
2. If LAP is applied with Government Bank then 30 year chain is required
3. If applicant is professional, then his professional degree is required
Share & Apply

About HDFC Bank Home Loan

Exceptional home loans offered by HDFC Bank encourage women to achieve their ambition of home ownership. Check the eligibility requirements, interest rates, necessary paperwork, and different HDFC Bank home loan plans to discover more about these loans.

Additionally, HDFC Bank offers its house loan services to recent graduates who have just begun working. These new hires are able to acquire loans without the typical criterion of possessing two years of work experience since the firm evaluates these loans based on their current wages and educational background.

Different types of Home Loans at HDFC

Let’s have a look at various options of Home Loans available at HDFC:

Home Loans

Individual or joint home loans for building a home, purchasing new or used property, etc.

Home Improvement Loans (HIL)

Your home's interior design reflects your personality and aesthetic preferences. As a result, you would want to take all possible step to actually achieve your goal. For internal and external repairs as well as reorganisation, you can rely on home improvement loans from HDFC Bank. This loan can be used to pay for a variety of home improvement projects, including painting, roofing, plumbing, electrical work, tiling, flooring, grills, windows, compound walls, and much more.

Home Extension Loan (HEL)

HDFC Bank also provides home loans to assist you in expanding your current residence to meet your needs. This loan enables you to create that extra space with simple financing, whether it's a spare bedroom for your kids, a home office, or your own library room.

Top up Loans

Existing customers can obtain a top-up loan on their current home loan at enticing interest rates. You can receive a Top Up of up to Rs 50 lakh.

Balance Transfer

Is your present loan making life difficult for you? Use our balance transfer option to transfer it to HDFC Bank and take advantage of all the benefits that come with being a customer of HDFC Bank.

Work Process

Start with HDFC Bank Home Loans in few steps

If you are planning to apply for a home loan at HDFC Bank Home Loans there are certain details that you should be aware of, Let’s discuss

01
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

02
Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

03
Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

04
Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Leave Your Question

FREQUENTLY ASKED QUESTIONS

The co-applicants for the HDFC housing loan must also be the co-owners of the property. Co-applicants do not all have to be co-owners, though. In most cases, the lender permits members of the same immediate family to co-apply.

You can prepay your house loan in full or in part before the actual loan term expires. With regard to house loans obtained at adjustable interest rates, HDFC does not charge prepayment penalties.

Yes, female applicants receive a 5 bps interest rate discount from HDFC.

The Rate of Interest of HDFC Bank Home Loan is 8.10% P.A.

Yes, Delayed payment of interest or EMI shall render the customer liable to pay additional interest of up to 24% per annum.

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