Apply for HDFC Bank Home Loan Online   4.82 stars, based on 93 reviews

25,00,000
5,00,00,000
Project Name
Builder Name
Cost of Plot
Cost of Construction
Total Cost
0
5,00,000
0
3,00,000
Relationship Ex: Father, Son etc.,
Co-Applicant Net monthly Income
Current EMI

All day customer support

call us at

080-6012 0505

Drop your number

HDFC Home Loan

HDFC bank is a multinational bank which has headquarters in Mumbai. The bank has been ranked in the top 100 Most Valuable Global Brands, and so, it is trusted by its customers. The bank is known for its quick loan disbursal with features like 15-minute vehicle loan and 30-minute auto loan. HDFC is a well-known brand where you can avail all the services online. HDFC Home loans are one of the best services provided by the bank. The bank also has two real estate entities called HDFC RED and HDFC Realty to help its customers have a better option to choose the property in different cities.

Types of Home Loans offered by HDFC

Various types of home loans are provided by the bank to the customers to cater to one and all!

Home Loans:

Through HDFC Bank home loan, a customer can buy the home of his dreams. HDFC Bank provides affordable loans with premium features under four categories:

New Home Loans:

These are the home loans provided to salaried and self-employed professionals and non-professionals. The home should be a first-hand buy. It can be a house, flat or bungalow in an approved society by private seller or by government approved authorities like DDA, MHADA, PUDA, HUDA, etc.

Features and Benefits:
  • Affordable rates of interest to suit your budget
  • Easy repayment option
  • Pay by the mode that suits you
  • Zero hidden charges
  • Legal guidance provided
  • Technical assistance to help you with easy financing
  • PAN India extensive network of branches
  • Special home loan features for the Indian Army under AGIF
Terms and Conditions
  • Generally, the security is the house which is being financed by the bank. Otherwise, the bank might identify some other property or other collateral in the interim as security.
  • Installments will have to be paid on a monthly basis.
  • The property should be insured against calamities and accidents like fire, earthquake, flood, etc and HDFC should be the sole beneficiary.
  • The borrower must inform the changes in personal contact address or number to the bank.
  • The borrower must read all the terms and conditions properly and comply with the same.
  • The borrower must pay the own contribution as per the sanction letter beforehand.
  • The borrower must ensure that he has not indulged in any cases of default in any case.
  • The borrower must ensure that the financed property is free from any kind of dispute and liability.

For Resale Homes

One might want to invest in an already built house and shift as soon as possible. In that case, he does not have to go by the same conditions and rates of a new home loan. Under HDFC's Resale Home loans, one has the option to get immediate possession of the house in a location of choice.

Features and Benefits
  • Loans for homes in approves co-operative housing societies
  • Loans for homes by Apartment Owners' Association or Development Authority settlements
  • Loans for private homes
  • Affordable interest rates
  • Zero pre-payment charges
  • Easy repayment option
  • Pay by the mode that suits you
  • Zero hidden charges
  • Legal guidance provided
  • Technical assistance to help you with easy financing
  • PAN India extensive network of branches
  • Special home loan features for the Indian Army under AGIF

HDFC Home Loan For Construction

HDFC gives opportunity to growing families to construct the homes of their choice without any extra burden. The HDFC Home construction loan is a boon for family who which to own a house specially designed according to their taste and style.

Features and Benefits

  • Loans for construction on a pre-owned plot
  • Loans for construction on a plot provided by development authorities
  • Loans for construction on a plot on leasehold
  • Affordable rates of interest to suit your budget
  • Easy repayment option
  • Pay by the mode that suits you
  • Zero hidden charges
  • Legal guidance provided
  • Technical assistance to help you with easy financing
  • PAN India extensive network of branches
  • Special home loan features for the Indian Army under AGIF

HDFC Balance Transfer Loan

HDFC Bank gives a special chance to customers to transfer their existing home loans from other banks to HDFC Home Banks. The borrowers get a chance lower the loan EMIs and opt for HDFC's unique plans. Cut short the EMI amounts and keep those savings to invest somewhere productive!

Features and Benefits:

  • Easy transfer process from other bank to HDFC bank
  • Affordable interest rates
  • Get a top up loan of up to INR 3.5 Million
  • Affordable rates of interest to suit your budget
  • Easy repayment option
  • Pay by the mode that suits you
  • Zero hidden charges
  • Legal guidance provided
  • Technical assistance to help you with easy financing
  • PAN India extensive network of branches
  • Special home loan features for the Indian Army under AGIF

HDFC Home Improvement Loans

With home improvement loans, one can transform their already built or purchased loan into a new home. Make your home a reflection of your lifestyle by improving your home to whatever you like. HDFC Bank takes care of the expenses. This improvement loan can be availed by existing and non-existing customers. Get a lucrative tiling done or paint your house this season or even better, get your wooden closets reconstructed. With easy and quick documentation, the bank makes sure that you do not have to shred out enough time from your busy schedule.

Home Extension Loans

A need of the growing family - HDFC Bank's home extension loans are for all those families who desire to dream big and grow more. Add more space to your house, create more storeys and don't worry about the money- HDFC is here to help you. With HDFC Home extension loans, get best ever loan conditions with minimal documentation. The home is open to customers who have already availed the loan from the bank and to all new customers.

HDFC Reach Home Loans

As a token of gift to all HDFC bank has launched its new loan types called the “HDFC Reach Home Loans”. This loan specifically designed to help all Indian to get a personalized space for you in this world. It’s time to create memories in your sweet own place with the help of HDFC bank. Be a part of HDFC and start enjoying the benefits right away. This type of loan can be used for various housing purposes such as:

  1. For purchasing an existing on new house
  2. Constructing a house on an existing plot, new purchased plot or a plot offered by Development Authority
  3. Existing Home loan balance can be transferred to HDFC bank from another bank
  4. Renovation of house
  5. And for house extension purposes
  • Reach Home Loan by HDFC bank can be taken for tenure of up to 20 years for residential purpose and for non-residential purposes it for 10 years tenure.
  • Loan will not be extended over the retirement period of the individual or by the age of 70; whichever is earlier
  • Loan tenure depends on the applicant’s repayment capacity. If the applicant is 45 years aged without any co-owners, the loan will be granted upto 10-13 years depending on the income and other eligible factors for loan.
  • Apart from these applicant’s credit rating, property recover value and other factors are take into consideration

Features & Benefits:

HDFC bank has always stood unique in what it is offering to its customers. This is very reason why many choose HDFC bank over other banks. Quick processing, great service, less documentation and great customer care support are some of the well-known reasons why HDFC bank one of the top banks in India for any banking requirements. Some of the other features and benefits specific to HDFC Reach Home Loans are:

  • HDFC offers home loan for lowest Home Loan Rates with attractive offers
  • Borrower has the option to choose either Floating Rate or Fixed Rate according to their needs
  • Maximum loan amount an applicant can get is only upto 90% of the market cost of the property
  • Easy repayment options is available of upto 30 years tenure
  • HDFC bank offers fastest loan approval
  • This bank is best known for quick document processing and checks
  • Home loan balance transfers are offered at free processing fee
  • Door step assistance is offered by HDFC bank for home loans
  • Technical counselling and expert legal advice is available-on request basis.
  • No hidden charges are implied on the loan approval
  • Offer loan at attractive rate of interest i.e. starting from11.55% p.a. onwards

Funding Details:

According to the market value and repayment capacity of the applicant, HDFC bank will offer loan against property upto 35 lakhs.

Loan Amount

Maximum Funding

Up to Rs.35 lakhs

Salaried Individuals, for Reach Home loans - 80% of the property cost

 

Non Residential Premises Loans and Plot Loans - 60% of the property cost

Up to Rs.35 lakhs

Self-Employed Professionals & Non Professionals, for Reach Home Loans - 80% of the property cost

 

Non Residential Premises Loans and Plot Loans - 60% of the property cost

HDFC Bank Plot Loans

Buy a land now and invest for the future. It is good to invest in property even if you do not have current plans of building a new house. You can use the property to rent out, to invest for some time and sell later, or you can build a home on it later. In any case, buying a plot is never a decision that you will regret. With HDFC Bank plot loans, you get the chance of investing in the property without troubling yourself about the money. Get your loan approved now and buy a plot if you are still awaiting the payment from your old house.

Short Term Bridging Loans

As the name suggests, these loans are used to bridge the gap between your sold house and the new bought house. You might have sold your old house but not received the payment yet. In such a case, you will need money to clear off the dues of the new house and that is when short term bridging loans help a person. These loans help the immediate need with quick disbursal. 

Rural Housing Finance

HDFC believes that the agricultural sector and our farmers deserve more than they have. Going forward in the same direction, the bank has tailored scheme for loans to the agriculturalists under which they can buy houses in rural or urban areas. The factors that will be seen are the value of agricultural land and the crops grown. Every farmer can now fulfill his dream of having his own house. One can construct own house or purchase an under-construction house or building. Salaried and self-employed individuals can also apply for loans in their home town or village. One can construct own house, extend the homes or improve them, or buy own plot. Agriculturalists do not need to give any security for the loan.

Why should you choose HDFC Home Loan?

HDFC bank through its two subsidiaries HDFC REALTY and HDFC RED is trying to rise up the ladder in the field of real estate. It is building a strong empire where the bank aims to be the first and last stop destination of its customers for all their real estate needs. From choosing the property to funding the loans, the bank aims to master in al the niche. On the top, it is a very trusted brand internationally and is known for its customer service. Therefore, opting for the HDFC bank for your home loan is a smart choice.

How to apply for HDFC Home Loan?

Applying for home loans was never so easy before. With Finance Buddha, you get to choose the home loan from a bank whose features you can compare online and see the results sitting at your home. Compare the prices and do self-evaluation. With a good team spread across 12 cities, you can be assured of dealing with a company which brings specific information to you. Apply straight away through the website with no trouble of finding the correct bank pages and risking your security. 

HDFC New Home Loans Eligibility Criteria

  • The customer must be a citizen of India
  • Single and joint applicants can apply
  • All the owners of the house need to apply jointly for the loan
  • For Adjustable Rate Home maximum loan tenor will be 30 years
  • For other services of home loan maximum loan tenor will be 20 years
  • The eligibility and loan tenor is subject to age of the applicant(s) at the time of application and at the time of maturity, age of the property, the repayment scheme opted and will vary for different types of loans.

Loan Amount Permitted:

  • INR 3 Million and below: 90% of the cost of the property
  • Above INR 3 Million and less than INR 7.5 Million: 80% of the cost of the property
  • Above INR 7.5 Million: 75% of the cost of the property

HDFC Home Improvement Loans Eligibility Criteria

  • Single or joint applicants can apply for the loan
  • All the owners of the property need to be co-applicants
  • The loan tenor can be as much as 15 years
  • The eligibility and loan tenor is subject to age of the applicant(s) at the time of application and at the time of maturity, age of the property, the repayment scheme opted and will vary for different types of loans. 

Loan Amount Permitted:

For existing customers:

  • INR 3 Million and below: 100% (depends on loan / total exposure not more than 90% of the cost of the property)
  • Above INR 3 Million and less than INR 7.5 Million: 100%(depends on loan / total exposure not more than 80% of the cost of the property)
  • Above INR 7.5 Million: 100% (depends on loan / total exposure not more than 75% of the cost of the property)

For new customers

  • INR 3 Million and below: 90% of the cost of the property
  • Above INR 3 Million and less than INR 7.5 Million: 80% of the cost of the property
  • Above INR 7.5 Million: 75% of the cost of the property

HDFC Reach Home Loans Eligibility Criteria

Irrespective of how well-known or famous the applicant is; below eligibility criteria has to be met in order to get a home loan from HDFC bank. However, bank manager does have the right to levy of some of the below criteria based on applicant’s credit score and past payment history.

Eligible Criteria

Salaried

Self-employed Professionals

Age (Min-Max)

24-60

24-65

Income

1,80,000

1,50,000

Preference

Bank account holders preferred

Current or saving account with the bank from where loan is applied is preferred.

Co-applicant

Not mandatory – but should be family members

Not mandatory – but should be family members

Employment

Fulltime job with at least 2 years of experience

At least 45 years of experience with good turnover

Documentation

Bank Account Statement/ Latest Telephone Bill/ Latest Credit Card Bill/ Latest Electricity Bill/ Employers letter certifying current mailing address/Passport(Valid)- provided the passport address is present address mentioned in application form/ Government I-card with photo / Existing Registered House Lease

Bank Account Statement/ Latest Telephone Bill/ Latest Electricity Bill/ Latest Credit Card Bill/ Passport(Valid)/ Employers letter certifying current mailing address

CIBIL

Required 750 or above

Required 750 or above

HDFC Bank Plot Loans Eligibility Criteria

  • The loan tenor can be as much as 2 years
  • Single or joint applicants can apply for the loan
  • All the owners of the property need to be co-applicants
  • The eligibility and loan tenor is subject to age of the applicant(s) at the time of application and at the time of maturity, age of the property, the repayment scheme opted and will vary for different types of loans.

Loan Amount Permitted: For New and Existing Customers

  • INR 7.5 Million and below: 80% of the cost of the property in market
  • INR below 7.5 Million: 75% of the cost of the property in market

HDFC Short Term Bridging Loans Eligibility Criteria

  • The loan tenor can be as much as 2 years
  • Single or joint applicants can apply for the loan
  • All the owners of the property need to be co-applicants
  • The eligibility and loan tenor is subject to age of the applicant(s) at the time of application and at the time of maturity, age of the property, the repayment scheme opted and will vary for different types of loans. 

Loan Amount Permitted: For New and Existing Customers

  • INR 7.5 Million and below: 80% of the cost of the property in market
  • INR below 7.5 Million: 75% of the cost of the property in market

HDFC Rural Housing Finance Eligibility Criteria

  • The customer must be a citizen of India
  • Single and joint applicants can apply
  • All the owners of the house need to apply jointly for the loan
  • For Telescopic Repayment Option maximum loan tenor will be 30 years
  • For other services of home loan maximum loan tenor will be 20 years
  • The eligibility and loan tenor is subject to age of the applicant(s) at the time of application and at the time of maturity, age of the property, the repayment scheme opted and will vary for different types of loans.

Loan Amount Permitted:

  • INR 3 Million and below: 90% of the cost of the property
  • Above INR 3 Million and less than INR 7.5 Million: 80% of the cost of the property
  • Above INR 7.5 Million: 75% of the cost of the property

HDFC Home Extension Loans Eligibility Criteria

  • The loan tenor can be as much as 20 years
  • Single or joint applicants can apply for the loan
  • All the owners of the property need to be co-applicants
  • The eligibility and loan tenor is subject to age of the applicant(s) at the time of application and at the time of maturity, age of the property, the repayment scheme opted and will vary for different types of loans.

Loan Amount Permitted: For New and Existing Customers

  • INR 3 Million and below: 90% of the cost of the property
  • Above INR 3 Million and less than INR 7.5 Million: 80% of the cost of the property
  • Above INR 7.5 Million: 75% of the cost of the property

Documents Required for HDFC New Home Loan:

For Salaried Individuals

  • Identity Proof
  • Residence Proof
  • (Voter card, Aadhar Card, Driving License, Passport, etc)
  • Salary slips of the latest three months
  • Form number 16 to validate the income
  • Income tax returns
  • Bank statement of the latest six months
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures
  • Letter of allotment of the house/agreement of house purchase
  • Receipt of payment

For Self-employed Professionals and Non-professionals

  • Identity Proof
  • Residence Proof
  • (Voter card, Aadhar Card, Driving License, Passport, etc)
  • Income tax returns for the last three years
  • Balance sheet of the last three years to gauge profit and loss, validated by the CA/CS
  • Current account statement of the business firm of 6 months
  • Savings account statements of all the applicants of 6 months
  • A cheque on account of processing fee (non-refundable)
  • Form number 26as for income tax filing
  • Details of directors and shareholders in the firm validated by the CA/CS
  • Articles and Memorandum of association of the firm
  • Partnership papers in case the firm is a partnership
  • Proof for profile in business
  • Details of current loans and bank statement to validate the loan payment
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures
  • Letter of allotment of the house/agreement of house purchase
  • Receipt of payment

Documents Required for HDFC Loan for Home Construction:

For Salaried Individuals

  • Contribution by the borrower
  • Evidence of right of a plot by the loan borrower
  • Proof of no liability on the property
  • Photostat of the papers showing approval by development authority
  • Probable estimate of construction cost by the architect or engineer deployed
  • Identity Proof
  • Residence Proof: (Voter card, Aadhar Card, Driving License, Passport, etc)
  • Salary slips of the latest three months
  • Form number 16 to validate the income
  • Income tax returns
  • Bank statement of the latest six months
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

For Self-Employed Professionals and Non-Professionals

  • Contribution by the borrower
  • Evidence of right of a plot by the loan borrower
  • Proof of no liability on the property
  • Photostat of the papers showing approval by development authority
  • Probable estimate of construction cost by the architect or engineer deployed
  • Identity Proof
  • Residence Proof
  • (Voter card, Aadhar Card, Driving License, Passport, etc)
  • Income tax returns for the last three years
  • Balance sheet of the last three years to gauge profit and loss, validated by the CA/CS
  • Current account statement of the business firm of 6 months
  • Savings account statements of all the applicants of 6 months
  • A cheque on account of processing fee (non-refundable)
  • Form number 26as for income tax filing
  • Details of directors and shareholders in the firm validated by the CA/CS
  • Articles and Memorandum of association of the firm
  • Partnership papers in case the firm is a partnership
  • Proof for profile in business
  • Details of current loans and bank statement to validate the loan payment
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

HDFC Reach Home Loans Documents Required:

Some of essential documents to process HDFC Reach Home Loans are listed below. HDFC bank has least documentation process and will help in getting loan approved faster as compared to other banks in India.

  • Application form along with 2 photographs
  • Residence Proof and Identity Proof
  • For Salaried Individuals- Latest Salary Slip and Form 16
  • Processing Fee cheque
  • For Salaried and self-employed Individuals- Last 6 Months bank statement
  • For Self Employed – Professionals or Businessmen- Last 3 Year profit and loss statement & balance sheet
  • For Self Employed – Professionals or Businessmen- Last 3 years income tax returns

Detailed table of documents required by HDFC bank for Home loans in India:

Purpose

Salaried Employees

Self-Employed

Identity and Residence Proofs (Any one)

Valid Passport

Valid Passport

Valid Driving License

Aadhaar Card

Aadhaar Card

Valid Driving License

Voters ID Card

Voters ID Card

Income proofs and certificates

PAN Card

PAN, or TAN Card

Most recent salary slips ( last three months)

Income Tax Returns as well as compilation of income for the previous three Assessment Years

Bank Statements from the previous six months

Balance Sheet of the previous three years

Updated passbook (with salary credited details)

Profit & Loss A/c Statements, with Annexures / Schedules

Your most recent Form 16

PAN, Income tax and company balance sheet has to be verified by a Chartered Accountant

NA

Current A/c Statements for the last 6 months of the business unit and info about your own Savings Account Statements

Other papers and documents

Employment Contract

Business profile

Appointment Letter if your present job is less than one year old

Most recent Form 26 AS

Bank statements of the last six months to show that other ongoing loans are paid back regularly.

Memorandum and Articles of Association of the Company

Applicant’s passport size photograph and that of co-applicant (if any) to be attached on the Loan Application Form, which has to be signed across.

List of Directors and stakeholders certified by a Chartered Accountant or CS if the business unit is an organization.

Cheque towards processing charges favoring the HDFC Bank

Partnership deed if your registered company is a partnership firm.

 

All information regarding ongoing mortgages of the applicant. Details of own business unit including the repayments, security, due amount, objective, balance loan tenure.

 

Applicant’s passport size photograph and that of co-applicant (if any) to be attached on the Loan Application Form, which has to be signed across.

 

Cheque towards processing charges favoring HDFC Bank.

Documents Required for HDFC Loan for Resale Homes:

For Salaried Individuals

  • Identity Proof
  • Residence Proof
  • (Voter card, Aadhar Card, Driving License, Passport, etc)
  • Salary slips of the latest three months
  • Form number 16 to validate the income
  • Income tax returns
  • Bank statement of the latest six months
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures
  • Papers for the previous history of owners of property
  • Receipt of the amount paid to the seller
  • Copy of the purchase agreement

For Self-Employed Professionals and Non-Professionals

  • Identity Proof
  • Residence Proof
  • (Voter card, Aadhar Card, Driving License, Passport, etc)
  • Income tax returns for the last three years
  • Balance sheet of the last three years to gauge profit and loss, validated by the CA/CS
  • Current account statement of the business firm
  • Savings account statements of all the applicants
  • A cheque on account of processing fee (non-refundable)
  • Form number 26as for income tax filing
  • Details of directors and shareholders in the firm validated by the CA/CS
  • Articles and Memorandum of association of the firm
  • Partnership papers in case the firm is a partnership
  • Proof for profile in business
  • Details of current loans and bank statement to validate the loan payment
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures
  • Papers for the previous history of owners of property
  • Receipt of the amount paid to the seller
  • Copy of the purchase agreement

Documents Required for HDFC Home Loan Balance Transfer

For Salaried Individuals

  • A letter on the letter head from the present borrowee (bank or FI or HFC) mentioning that they hold the current property documents
  • Letter specifying balance amount of the loan from the current borrowee (bank or FI or HFC) on their letter head
  • Duplicate copy of the property documents specifying owner contribution
  • Identity Proof
  • Residence Proof: (Voter card, Aadhar Card, Driving License, Passport, etc)
  • Salary slips of the latest three months
  • Form number 16 to validate the income
  • Income tax returns
  • Bank statement of the latest six months
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

For Self-Employed Professionals and Non-Professionals

  • A letter on the letter head from the present borrowee (bank or FI or HFC) mentioning that they hold the current property documents
  • Letter specifying balance amount of the loan from the current borrowee (bank or FI or HFC) on their letter head
    Duplicate copy of the property documents specifying owner contribution
  • Identity Proof
  • Residence Proof: (Voter card, Aadhar Card, Driving License, Passport, etc)
  • Income tax returns for the last three years
  • Balance sheet of the last three years to gauge profit and loss, validated by the CA/CS
  • Current account statement of the business firm of 6 months
  • Savings account statements of all the applicants of 6 months
  • A cheque on account of processing fee (non-refundable)
  • Form number 26as for income tax filing
  • Details of directors and shareholders in the firm validated by the CA/CS
  • Articles and Memorandum of association of the firm
  • Partnership papers in case the firm is a partnership
  • Proof for profile in business
  • Details of current loans and bank statement to validate the loan payment
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

Documents Required for HDFC Home Improvement Loans:

For Salaried Individuals

  • Contribution by the borrower
  • Evidence of right of a plot by the loan borrower
  • Proof of no liability on the property
  • Photostat of the papers showing approval by development authority
  • Probable estimate of construction cost by the architect or engineer deployed
  • Identity Proof
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • Salary slips of the latest three months
  • Form number 16 to validate the income
  • Income tax returns
  • Bank statement of the latest six months
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

For Self-Employed Professionals and Non-Professionals

  • Contribution by the borrower
  • Evidence of right of a plot by the loan borrower
  • Proof of no liability on the property
  • Photostat of the papers showing approval by development authority
  • Probable estimate of construction cost by the architect or engineer deployed
  • Identity Proof
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • Income tax returns for the last three years
  • Balance sheet of the last three years to gauge profit and loss, validated by the CA/CS
  • Current account statement of the business firm of 6 months
  • Savings account statements of all the applicants of 6 months
  • A cheque on account of processing fee (non-refundable)
  • Form number 26as for income tax filing
  • Details of directors and shareholders in the firm validated by the CA/CS
  • Articles and Memorandum of association of the firm
  • Partnership papers in case the firm is a partnership
  • Proof for profile in business
  • Details of current loans and bank statement to validate the loan payment
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

Documents Required for HDFC Bank Plot Loans

For Salaried Individuals

  • Proof of contribution by the borrower
  • Photostat of buyer agreement or Photostat of allotment confirmation of the house
  • Identity Proof
  • Papers for the previous history of owners of property
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • Salary slips of the latest three months
  • Form number 16 to validate the income
  • Income tax returns
  • Bank statement of the latest six months
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

For Self-Employed Professionals and Non-Professionals

  • Proof of contribution by the borrower
  • Photostat of buyer agreement or Photostat of allotment confirmation of the house
  • Identity Proof
  • Papers for the previous history of owners of property
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • Income tax returns for the last three years
  • Balance sheet of the last three years to gauge profit and loss, validated by the CA/CS
  • Current account statement of the business firm of 6 months
  • Savings account statements of all the applicants of 6 months
  • A cheque on account of processing fee (non-refundable)
  • Form number 26as for income tax filing
  • Details of directors and shareholders in the firm validated by the CA/CS
  • Articles and Memorandum of association of the firm
  • Partnership papers in case the firm is a partnership
  • Proof for profile in business
  • Details of current loans and bank statement to validate the loan payment
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

Documents Required for Rural Housing Finance

For Agriculturalists

  • Identity Proof
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed to show continuous repayment of ongoing loan
  • Bank statement of last 2 years in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures
  • Proof of own contribution
  • Proof of land holding by the applicant who should be the owner
  • Photostat of documents showing the crops that are sown
  • 6 months bank statement

For Salaried Individuals

  • Identity Proof
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • Salary slips of the latest three months
  • Salary slips of the latest three months
  • Form number 16 to validate the income
  • Income tax returns
  • Bank statement of the latest six months
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures
  • Proof of own contribution
  • Memorandum and Articles of Association of the firm

For Self-Employed Professionals and Non-Professionals

  • Identity Proof
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • Income tax returns for the last three years
  • Balance sheet of the last three years to gauge profit and loss, validated by the CA/CS
  • Current account statement of the business firm of 6 months
  • Savings account statements of all the applicants of 6 months
  • A cheque on account of processing fee (non-refundable)
  • Form number 26as for income tax filing
  • Details of directors and shareholders in the firm validated by the CA/CS
  • Articles and Memorandum of association of the firm
  • Partnership papers in case the firm is a partnership
  • Proof for profile in business
  • Details of current loans and bank statement to validate the loan payment
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

Documents Required for Home Extension Loans

For Salaried Individuals

  • Contribution by the borrower
  • Evidence of right of a plot by the loan borrower
  • Proof of no liability on the property
  • Photostat of the papers showing approval by development authority
  • Probable estimate of construction cost by the architect or engineer deployed
  • Identity Proof
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • Salary slips of the latest three months
  • Form number 16 to validate the income
  • Income tax returns
  • Bank statement of the latest six months
  • A cheque on account of processing fee (non-refundable)
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

For Self-Employed Professionals And Non-Professionals

  • Contribution by the borrower
  • Evidence of right of a plot by the loan borrower
  • Proof of no liability on the property
  • Photostat of the papers showing approval by development authority
  • Probable estimate of construction cost by the architect or engineer deployed
  • Identity Proof
  • Residence Proof: Voter card, Aadhar Card, Driving License and Passport etc.
  • Income tax returns for the last three years
  • Balance sheet of the last three years to gauge profit and loss, validated by the CA/CS
  • Current account statement of the business firm of 6 months
  • Savings account statements of all the applicants of 6 months
  • A cheque on account of processing fee (non-refundable)
  • Form number 26as for income tax filing
  • Details of directors and shareholders in the firm validated by the CA/CS
  • Articles and Memorandum of association of the firm
  • Partnership papers in case the firm is a partnership
  • Proof for profile in business
  • Details of current loans and bank statement to validate the loan payment
  • Letter of appointment (for applicants with less than 1 year of the current job)
  • Bank statement of last 6 months in case already a loan is availed
  • Passport sized photographs of all applicants with crossed signatures

HDFC Home Loan Interest Rates, Fees & Charges

HDFC has updated its MCLR which in turn has affected the home loan rates.  Current MCLR rate is from 7.85% to 8.30% for HDFC bank. However, it depends on the reset frequency of each loan. Revised rates of HDFC banks are listed below:

Current MCLR: 7.85% - 8.30%

Tenure

MCLR, Base Rate

Overnight

7.85%

1 Month

7.90%

3 Month

7.90%

6 Month

8.00%

1 Year

8.15%

2 Year

8.20%

3 Year

8.30%

 

According to the home loan products the rate of interest and charges vary. The below table will assist you with latest details for comparison:

Home Loan Products

RPLR rate

Loan Slab

Interest Rates (% p.a.)

RPLR Minus Spread

Reach Home Loans And Plot Loans 

16.30%

Up to Rs. 35 lakhs

11.55 or 12.55

RPLR - (4.75 or 3.75)

Home loan for Self-Employed Professionals & Non Professionals

16.30%

Up to Rs. 35 lakhs

11.55 or 12.55

RPLR - (4.75 or 3.75)

Non Residential Premises Loans for salaried and self-employed

16.30%

Up to Rs. 35 lakhs

14.5

RPLR - (1.80)

 

Home loans interest rates are determined by decreasing the spread amount from the Retail Prime Lending Rate. The interest rates for a home loan are calculated by reducing the spread from the RPLR. 
HDFC Bank has reduced the interest for the existing customers, whereas earlier the reduction was only for the new customers. It has decreased the RPLR by 15 basis points to 16.15 % from 16.30 %.
The interest rate for Women borrowers is calculated by the present amount RPLR minus 7.5 percent. The amount depends upon the case application of the woman and the loan amount.
In the initial days of the year, HDFC decreased the home loan rates for the new loan seekers by 45 basis points. This month, the rate cut is applicable to existing borrowers.
For the new rate cut, there are two cases:
One, when the Principal amount is up to INR 7.5 Million. In this case, if the borrower is a woman, the rate of interest will be 8.65 per cent. For male borrowers or joint applicants, the rate of interest is 8.70 per cent. The other case is when the loan amount is more than INR 7.5 Million. For this, the rate of interest is 8.7 percent for women and 8.75 percent for others (male or joint applicants).
The decline in the RPLR would be applied on the loans to NRIs and POI card owners also, read the press announcement by the HDFC.
Earlier on Jan 03, 2017, HDFC reduced its interest rate from 9.1 to 8.7 percent for loan amount up to INR 7.5 Million. For higher loan amounts, the rate of interest was 8.75 percent. A woman applicant was eligible to get a discount of 0.05 per cent in the interest rate. 
According to Renu Sud Karnad, Managing Director, HDFC, from the past couple of months the marginal cost of funds has been dropped and hence, HDFC has transferred this benefit to the loan seekers.
Bank of Baroda is offering 8.35 percent which is the lowest interest rate for home loans. But the customer with only high credit score is eligible to enjoy this interest rate. State Bank of India offers 8.6 percent while ICICI bank levies 8.65 percent.
The demand for fresh loan is less than the balance transfer cases in the market. The competition among the lenders to offer better rates is thus evident. 
Some lenders are offering marginally lower rate than card rates. To compete, banks are bringing down their prepayment penalty, and reducing the charges like processing fee, legal and professional fee. 
However, customers must keep some important points like tenure left, hidden charges and similar other before availing a loan or transferring it.

Fee and charges for HDFC Bank Home Loans:

According to different types of home loan products the fee and charges will vary. The different types of home loans with HDFC bank and generic fee and charges are:

  1. New Home loan
  2. Home loan for construction
  3. Home loan balance transfer
  4. Home improvement loan
  5. Home extension loan
  6. Short Term Bridging Loans
  7. Rural Housing Finance

Fee and charges

Processing Fees up to 1.50% of loan amount for salaried applicant

Processing Fees Up to 2% of loan amount for Self-employed applicant

Prepayment Charges as per loan type ranging between 0-4% of the outstanding loan amount

Conversion fee will be 0.25% of the loan amount plus taxes

Cheque Dishonor Charges Rs. 200

Fees On Account Of External Opinion- case by case basis

Property Insurance

Incidental Charges- depends on the loss amount

HDFC New Home Loans: Interest, Rates, Fees & Charges

Rate of Interest :

Rate of interest (For salaried individuals, self-employed professionals and self-employed non-professionals)

Floating Interest Rate:

  1. For women - 9.30% to 9.80%
  2. For men - 9.35% to 9.85%

Fixed interest rate (TruFixed Loan) for 2 and 3 years:

(a)During the fixed rate period

  • For women - 9.30% to 9.80%
  • For men - 9.35% to 9.85%

(b)After the fixed rate period

  • For women - RPLR minus (7.00% to 6.50%)
  • For men - RPLR minus (6.95% to 6.45%)

Fixed interest rate (TruFixed Loan) for 10 years:
(a) During the fixed rate period

  • For women - 9.55 to 10.05
  • For men - 9.60% to 10.10%

(c)After the fixed rate period

  • For women - RPLR minus (6.75% to 6.25%)
  • For men - RPLR minus (6.70% to 6.20%)

Fees & Charges:

Processing Fees for salaried individuals and self-employed professionals: 1.25% of the loan amount or INR 3,000 (the one that is higher)

Processing fees for self-employed non-professionals: 1.25% of the loan amount or INR 4,500 (the one that is higher)

Pre-payment charges-

  1. Nil (for payment up to 25% of the loan amount at the start of the financial year)
  2. 2% charge + taxes (for pre-payment of full loan amount or an amount which is more than 25% of the opening balance of the financial year)
  • Part prepayment charge will not be applicable if it is made after 3 years of the disbursal of loan.
  • If full pre-payment is made after 3 years of the loan disbursal then a 2% charge + taxes will be applied if payment is made with the help of bank or a Financing Institution.
  • Switching from higher interest rate to lower interest rate(floating): 0.50% of the outstanding loan amount or INR 50,000 or undisbursed loan (the lowest of all).
  • Switching from fixed rate of interest to floating rate of interest: 0.50% of the outstanding loan amount or INR 50,000 or undisbursed loan (the lowest of all)
  • Switching the existing rate to HDFC bank's current rate: 0.50% of the outstanding loan amount or INR 50,000 or undisbursed loan (the lowest of all)
  • Switching fixed rate of interest under TruFixed Home loan to floating rate of interest: 1.75% of the outstanding amount + undisbursed payment + taxes
  • Switching fixed rate of interest under TruFixed Home loan PLUS to floating rate of interest: 1.75% of the outstanding amount + undisbursed payment + taxes
  • Switching floating rate of interest to fixed rate of interest TruFixed Home loan PLUS: 1.75% of the outstanding amount + undisbursed payment + taxes

Fees for top-up loan: 0.50% of the loan amount or INR 3,000 (the one that is higher)

Check bounce charges: INR 200

Insurance charges: Subject to the insurance company (mandatory to get the property insured)

Late payment charges: Additional interest up to 24% per annum

Charges to avail set of documents: up to INR 500

Charges to avail photocopy of set of documents: up to INR 500

Post dated cheque-swapping charges: Up to INR 200

Charges for re-appraisal of loan: Up to INR 2,000 + taxes

Change of loan tenor: Up to INR 500

Repayment Options:

Step Up Repayment Facility (SURF): Under this plan, you can opt for lower EMIs in the initial months or years of loan payment. After that, if your income gets stipulated you can opt for higher EMI.

Flexible Loan Installments Plan (FLIP): In case you are expecting a decrease in your income, go for this plan. Under this plan, the borrower can opt for higher EMIs during the initial years which is proportional to the income. Gradually, as income descends, he/she can pay lower EMIs.

Tranche Based EMI: If it is an under-construction loan, the borrower might want to pay the interest of the loan for the amount already disbursed. This is so because in case of a construction loan, the amount in disbursed in installments by the bank. After final disbursement, the borrower would pay monthly EMIs. If you want to pay the principal amount along with the interest from the very beginning, that is, the first installment, go for this plan.

Accelerated Repayment Scheme: As the name suggests, under this scheme one can pay higher amounts of income with every subsequent year proportional to the increasing income. With this, one has the autonomy to pay back the loan quicker.

Telescopic Repayment Option: One must consider this option for enhanced eligibility of a bigger amount of loan and lower EMIs. The plan increases the loan tenor to up to 30 years.

HDFC Reach Home Loans Interest Rates, Fees & Charges

Lending rates and charges of HDFC Reach Home Loans are listed here for quick information of the loan:

Special offers at HDFC Bank

Interest Rates for Women

8.65% - 8.70%

Interest Rates for Others

8.70% - 8.75%

Lowest EMI per 1 Lakh

Rs.779

 

These details are specific to HDFC Reach home loans and the rate of interest and charges are subject to change without prior notice.

Retail Prime Lending Rate

16.30%

Repayment period

5 - 30 Years

Maximum Loan amount upto 30 Lakh property value

27 Lakh

Minimum Income for Salaried

12000 per month

Base Rate

9.30%

Processing Fees

1.25% or Max. Rs.3000

Maximum loan amount above 30 lakh

75 - 80%

Minimum Income for Self Employed

16500 per month

 

Revised rate of interest as of 04th January 2017:

With effect to demonetization, HDFC bank has revised its rate of interest on various types of loans according to applicant category. The below is the latest list updated as of 04th January 2017.

Loan amount

Interest Rates

Loan amount upto 75 Lakhs for women

8.65%

Loan amount above 75 lakhs for women

8.70%

Loan amount upto 75 lakhs for others

8.70%

Loan amount above 75 lakhs for others

8.75%

HDFC Bank Plot Loans: Interest Rates, Fees and Charges

Rate of Interest:

Rate of interest (For salaried individuals, self-employed professionals and self-employed non-professionals)

Floating Interest rate up to 3 Million:

For women - 9.30% to 9.80%

For men - 9.35% to 9.85%

Floating Interest rate above 3 Million:

For women - 9.55% to 10.05%

For men - 9.60% to 10.10%

Fixed interest rate (TruFixed Loan) for 2 and 3 years:

  1. During the fixed rate period

For women - 9.30% to 9.80%

For men - 9.35% to 9.85%

  1. After the fixed rate period

For women - RPLR minus (7.00% to 6.50%)
For men - RPLR minus (6.95% to 6.45%)

Fixed interest rate (TruFixed Loan) for 10 years:

  1. During the fixed rate period

For women - 9.55% to 10.05%

For men - 9.60% to 10.10%

  1. After the fixed rate period

For women - RPLR minus (6.75% to 6.25%)
For men - RPLR minus (6.70% to 6.20%)

Fees & Charges:

Pre-payment charges:

  1. For individual customers: Nil
  2. Processing fees: 1.25% of the loan amount or INR 3,000 (the one that is higher): for salaried individuals and self-employed professionals
  3. Processing fees: 1.25% of the loan amount or INR 4,500 (the one that is higher): for self-employed non-professionals
  4. Pre-payment charges- Nil (for payment up to 25% of the loan amount at the start of the financial year)
  5. Pre-payment charges- 2% charge + taxes (for pre-payment of full loan amount or an amount which is more than 25% of the opening balance of the financial year)
  6. Part prepayment charge will not be applicable if it is made after 3 years of the disbursal of loan
  7. If full pre-payment is made after 3 years of the loan disbursal then a 2% charge + taxes will be applied if payment is made with the help of bank or a Financing Institution

Check bounce charges: INR 200

Insurance charges: Subject to the insurance company (mandatory to get the property insured)

Late payment charges: Additional interest up to 24% per annum

Charges to avail set of documents: up to INR 500

Charges to avail photocopy of set of documents: up to INR 500

Post dated cheque-swapping charges: Up to INR 200

Charges for re-appraisal of loan: Up to INR 2,000 + taxes

Change of loan tenor: Up to INR 500

HDFC Short Term Bridging Loans: Interest Rates, Fees and Charges

Rate of Interest:

Loan for a Residential Property: 12.30%: RPLR - 4%

Loan for a commercial Property: 13.15: RPLR – 3.15%

Fees & Charges:

Processing fees: 0.50% + taxes

Pre-payment charges:

  1. For individual customers: Nil
  2. Pre-payment charges- Nil (for payment up to 25% of the loan amount at the start of the financial year)
  3. Pre-payment charges- 2% charge + taxes (for pre-payment of full loan amount or an amount which is more than 25% of the opening balance of the financial year)
  4. Part prepayment charge will not be applicable if it is made after 3 years of the disbursal of loan
  5. If full pre-payment is made after 3 years of the loan disbursal then a 2% charge + taxes will be applied if payment is made with the help of bank or a Financing Institution

Check bounce charges: INR 200
Insurance charges: Subject to the insurance company (mandatory to get the property insured)

Late payment charges: Additional interest up to 24% per annum

Charges to avail set of documents: up to INR 500

Charges to avail photocopy of set of documents: up to INR 500

Post dated cheque-swapping charges: Up to INR 200

Charges for re-appraisal of loan: Up to INR 2,000 + taxes

Change of loan tenor: Up to INR 500

Frequently Asked Questions

Reviews

I am very happy with my experience at HDFC bank. I applied for a home loan with them. The documentation process started in 1 day and my loan was approved within 7 working days. The interest rate offered by HDFC was 8.80% and the processing fees was also low. So based on my good experience I will recommend HDFC to others also for the home loan.

 5/5

I applied my home loan with HDFC Bank. The amount for which I applied was 14 lakhs. But I am not satisfied with the service provided by the bank. It took me more than 15 days for the approval of the loan. Though the staff of the HDFC Bank was very helping and supportive. I will give 2 stars to HDFC.

 2/5

HDFC provides you home loan at floating interest rates. I took my loan with HDFC bank at floating interest rate. In this the interest rate of your loan vary according to the market value. The processing fees was also beatable. So if you are in a search of home loan with floating interest rate than go with HDFC BANK.

 5/5

The service provided by HDFC is applicable. After you apply for the loan the entire process starts within hours. The executives and staff take join effort to approve your loan fast. So that the one who is in need can be helped as soon as possible. I will refer HDFC to others also as my experience with HDFC is very good.

 5/5

The overall process with HDFC bank regarding the home loan was satisfactory. My loan of 15 lakhs was approved by the HDFC in 8 days. The complete process was smooth and hassle free. The rate of interest was also affordable. I will recommend HDFC bank for home loan to others also

 5/5

I am satisfied with the service provided by the HDFC Bank. The HDFC staffs were very soft spoken and helping. They helped me in the documentation process and also provided me clear explanation regarding all the charges and policies. I am thankful to those staff who helped me and because of them I was able to get the loan in small interval of time.

 4/5

I will recommend finance Buddha to all those who are in a need of home loan. With the help of Finance Buddha you can compare many banks and whichever bank suits you, you can apply for the loan from that bank. I did the same and applied my home loan with HDFC bank.

 5/5

I am happy with the service provided by the HDFC bank. I took a home loan for the purchase of land for my home. The rate of interest is 9.30%. The processing fees was also bearable for me. The complete process took only 10 days and the loan amount was in my account.

 4/5

Earlier I applied my home loan with different bank. There my loan was not approved. Then I applied for the home loan with HDFC through Finance Buddha website. My loan was approved within 7 working days. I am very happy for going with HDFC for home loan.

 5/5

I will give HDFC 2 stars for their performance regarding home loan approval. I have applied my home loan with HDFC Bank. My application was processed in 15 days. God knows why they need so much time.

 2/5

I am happy with my decision of choosing HDFC Bank for my home loan. The interest rate offered by HDFC was 9.20%. The processing took only 8 days. The documentation process was completed with the help of the staff of HDFC. The staff were very cooperative and supportive.

 4/5

After applying for the loan with HDFC Bank through Finance Buddha, within an hour I received a confirmation call. And from the next day the documentation process started. The executives from Finance Buddha came to me and collected the required documents. And within 8 days my home loan was approved.

 4/5

HDFC Bank is the best choice if you are looking for a home loan in very less time. HDFC processes its loan application very fast. I keep the need of their customer their top priority. I will give 5 stars to HDFC for their fast service.

 5/5

MY experience with HDFC Bank is very good. I applied my home loan with them. I was surprised as the complete process from documentation to approval took only 6 working days. So if you are in a need of quick home loan then you must go with HDFC.

 5/5

After going through all the banks on Finance Buddha website I applied my home loan with HDFC. HDFC is having the prepayment facility. I need this facility because in case if I am having surplus amount of money with myself then I can prepay my loan. In this way I can use my money in other things as well. And the interest rate of home loan from HDFC was also reasonable.

 4/5

I applied my home loan with HDFC Bank. The executives were very supportive. They helped me throughout the documentation process. The entire process was completed in 5 days. The interest rate provide by them is also affordable. I will give 5 stars to HDFC.

 5/5

In the city like Bengaluru where the price of property is rising day by day, having once own home is a thing of privilege. And I am availing this privilege only because of HDFC. HDFC helped me in proving home loan in Bengaluru. Thank you so much HDFC for this.

 5/5

I used Finance Buddha website to compare all the banks regarding home loan. After comparing I found that HDFC was best among all. So I applied my home loan with HDFC bank. The interest rates offered by them are very reasonable and same is with the processing fees.

 4/5

I went through the Finance Buddha website and checked my eligibility for home loan there. I applied my home loan with HDFC bank. The interest rate offered by them to me is 9.5% and the processing fees was 1.50%.

 4/5

I am having my home loan with HDFC BANK. The reason behind choosing HDFC is its lower interest rates. Even being a private bank HDFC offers interest rate on loan which is reasonable to the common people. The processing fees are also low as compared with the other banks.

 5/5

I would like to rate HDFC bank 5 for being very co-operative during my home loan request processing. The regular updates and feedback on the loan status helped to remain calm during the waiting period of 16 days. I was able to concentrate on other aspects of home construction without worrying about getting loan approved.

 5/5

Through Finance Buddha I got home loan approved from HDFC bank easily. I have recommended 3 of my friends to this bank for home loans post receiving excellent service from the bank.

 5/5

HDFC bank executives are always available to address my queries. They are very supportive and ready to offer information as and when required. Home loans can be taken here with best offers and discounted rates.

 5/5

I got my home loan approved at HDFC bank with the help of Finance Buddha; this is one of the best platforms with details of many banks in India. Getting loans is no more a concern for me when there is Finance Buddha website.

 5/5

Finance Buddha platform is best for applying home loans, they have latest information of interest rates, eligibility and other charges of every top banks in India. And definitely, HDFC Bank is the best bank for Home Loans in India, as not only it does offer the lowest interests on home loans, but it also offers a wide variety of benefits along with the home loan.

 5/5

Everyone has the opportunity to get home loan at lowest interest rates & processing fees from HDFC bank if you are applying through Finance Buddha. Based on our eligibility, this website will suggest banks for applying for home loan. Am satisfied with Finance Buddha’s services.

 5/5

If you are looking for quick processing and disbursal of home loan, then I suggest HDFC bank. It is supported by the Finance Buddha team with all sorts of real-time information.

 5/5

HDFC bank is simply the best bank for home loans. Finance Buddha helped with documents and application submission to bank thus the whole process was hassle- free.

 5/5

HDFC bank is customer’s bank. They understand my requirements and will always offer best services. Recently when I applied for home loan, the same was approved at 11.2% rate of interest and I am happy with their service.

 5/5

HDFC bank is a great choice if you are looking for home loan. I will recommend this bank for home loans in India.

 5/5