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HDFC Home Loan

HDFC Bank provides Home Loan for purchasing a house, building a new house or refurbishing the existing one. With HDFC Home Loan get competitive interest rates, transparent charges, quick delivery and convenient choice of repayments. Also get outstanding support and guidance from the professional experts at every stage and approve your loan with minimum documentation. HDFC Home Loan also provide pocket friendly EMI plans with flexible repayment terms.

Loan Name Interest Rate Processing Fee Loan Amount Tenure
HDFC Bank Home Loans 8.90% -10.30%, Floating Up to 0.5% of loan amount or Rs 3,000 (whichever is higher) + applicable taxes 30,00,000 1-30 Years
Details
Documents Required

For Salaried Individuals

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Last 6 months Bank statement showing salary credits, latest Form 16 and Income Tax Returns, Recent 3 months Salary Slips
  • Bank statements for the last 6 months showing repayment of any ongoing loans
  • Employment Contract / Appointment Letter in case if the individual is employed for less than a year in the current organization.
  • A cheque for processing fee favouring HDFC Ltd

    Property Related Documents For New Homes
  • Copy of Buyer Agreement / Allotment Letter
  • Receipts of payments made to the developer/builder

For Resale Homes

  • Copy of the agreement to sell (if it is already executed)
  • Receipts of initial payments made to the seller

For Construction

  • Proof of No Encumbrances on the property
  • Construction estimate prepared by Civil Engineer or an Architect
  • Copy of the plan approved by the Local Authorities

For Self – Employed Individuals

  • Proof of Identity and Residence: Aadhaar Card, Passport, Driving License, Election ID Card
  • Duly filled in application form along with recent passport size photographs
  • Proof of Income: Income Tax Returns along with computation of income for the last 3 Assessment Years, Last 3 years Profit and Loss A/C,
  • Balance Sheet with Annexures/Schedules, Last 6 months Current A/C statements of the business and Savings account statement of the individual
  • Bank statements for the last 6 months showing repayment of any ongoing loans

Property Related Documents For New Homes

  • Copy of Buyer Agreement / Allotment Letter
  • Receipts of payments made to the developer/builder

For Resale Homes

  • Copy of the agreement to sell (if it is already executed)
  • Receipts of initial payments made to the seller

For Construction

  • Proof of No Encumbrances on the property
  • Construction estimate prepared by Civil Engineer or an Architect
  • Copy of the plan approved by the Local Authorities

Other Documents

  • Latest Form 26AS
  • Business Profile
  • Memorandum and Articles of Association of the Company
  • List of Directors and Shareholders with their individual shareholding certificate by a Company Secretariat / Chartered Accountant in case if the business entity is a company.
  • Partnership deed in case if the business entity is a partnership firm.
Benefits

  • The applicant gets 30 years to repay the loan
  • Attractive Interest Rates
  • Affordable and easier equated monthly instalments over the tenure of the loan
  • Doorstep assistance on a home loan is available
  • The applicant can get expert legal and technical counselling to make a better home buying decision
Eligibility

  • The minimum age of the applicant should be 24 years.
  • The maximum age of the applicant should be 60 years.
  • The applicant should be an Indian resident.
  • An applicant will get a maximum tenure of 30 years to repay the loan.
Other Details

  • If the applicant is a woman, then the interest rates on home loans will be less compared to their male counterparts.
  • If the co-applicant is a woman, then the interest rates will reduce by some basis points.
  • An applicant can either apply individually or jointly for home loans in HDFC Bank
  • Pre payment charges will not be levied for the individual borrowers
  • Processing Fee for individuals – Up to 0.5% of loan amount or Rs 3,000 (whichever is higher) + applicable taxes.
  • Processing Fee for Self employed individuals – Up to 1.50% of loan amount or Rs 4,500 (whichever is higher) + applicable taxes.

Features of Hdfc Home Loan

Get an assortment of loan options as given below.

Home Loan- Home loan application can be made individually or jointly.

Home Improvement Loan- HIL makes it possible to rehabilitate internally as well as externally and to incorporate structural changes of the house such as paint, plumbing, grills, roofing, concrete walls etc.

Home Extension Loan- Applicants willing to add more space to the existing home can grab Home Extension Loan to extend the home as per the requirement.

Pay your home loan EMI from your Hdfc Saving Account

Hdfc offers home loan to Agriculturists, Planters, Horticulturists, Dairy Farmers

Benefits of Hdfc Home Loan

Special Home Loan scheme for agriculturists

  • Loan to farmers in several cities of their desire to buy and build houses/apartments.
  • This home loan scheme is applicable in the residential area of villages.
  • Eligibility for a loan is dependent on farmland and the form of crops grown by the farmers.
  • No agricultural land mortgage required for home loans.
  • Income Tax Returns is not compulsory for the farmers who are applying for a home loan.


Rural Housing Finance for Salaried and Self Employed

  • Home loans for government and private employees in the residential area.
  • Home loans for the businessman who are filling IT Return for the last 3 years.
  • Home Loans for NRIs also in rural residential areas


Comfort of Hdfc

  • Pioneer of housing finance in India for more than 35 years.
  • For more than 3 decades, 4.4 million people shared the aspirations and pleasure of their home owned dreams.
  • Most experienced and qualified staffs to make smoother loan processing.
  • No hidden charges, all the charges listed in advance before you collect the quote for the loan.
  • Advisory and consulting services for the acquisition of the property.
  • Loan clearance before choosing a property.
  • Hdfc enables you to purchase a house anywhere in India.
  • Flexible loan repayment advantage.
  • Minimum documentation.

Hdfc Home Loan Repayment Option

Step Up repayment facility(SURF)

You can use higher loan amounts with minimum EMIs in the initial year, later the payment is enhanced proportionally with your expected rises in income.

SURF offers an option to align the repayment schedule with the expected growth in revenues.

Flexible Loan Instalments Plan(FLIP)
For the repayment potential, FLIP provides a personalized strategy that will probably change during the term of the loan. The loan is structured in such a way that the EMI is get high and reduce according to the earnings in the initial year.

Tranche Based EMI

When you buy a property under renovation, you are usually needed to pay interest only on the amount of the loan obtained until the actual disbursement of the loan and to pay EMIs afterwards.

Accelerated Repayment Scheme

This feature allows you to increase the number of EMIs paid every year in-relation to your income increases, which ensures that you will recover the loan more rapidly.

Telescopic Repayment Option

You have a longer maturity period of 30 years with this option. You get enhanced access for loan amounts with smaller EMIs.

Documents Require for Hdfc Home Loan

For salaried applicants

  • Application form duly attached with recent passport size colour photograph.
  • Bank statements for last 6 months
  • Processing cheque fee.
  • Salary slip for the last 3 months
  • Form 16
  • Identity Proof- Aadhar Card, Voter Id card, Passport
  • Resident proof- Utility Bills, Ration Card, Driving License

 For agriculturists

  • Application form duly attached with recent passport size colour photograph.
  • Bank statements for the last 6 month
  • Identity Proof- Aadhar Card, Voter Id card, Passport
  • Resident proof- Utility Bills, Ration Card, Driving License
  • Processing cheque fee.
  • Proof of agricultural Land depicting Landholding
  • Proof of agricultural Land depicting crops being cultivated
  • Proof of previous 2 years of loans availed

Self-employed Businessman-Professionals

  • Application form duly attached with recent passport size colour photograph.
  • Bank statements for last 6 months
  • Identity Proof- Aadhar Card, Voter Id card, Passport
  • Resident proof- Utility Bills, Ration Card, Driving License
  • Processing cheque fee.
  • Proof of existing business with educational documents
  • Income Tax Return and Business Proof of last 3 months
  • Balance Sheet and Profit/Loss statement for the last 3 years.

Eligibility for Hdfc Home Loan 

  • Must have a minimum age of 21 years to a maximum of 60 years (For salaried applicants)
  • Permanent government or companies employee
  • Professionals like Doctor, Engineer, CA, Architects are eligible to avail this loan
  • Must have a minimum age of 21 years to a maximum of 65 years (For professionals and self-employed applicants)

Hdfc Home Loan Interest

  • Home/HIL/HEL/Refinance
  • Home Loan up to Rs 30 lac- 8.35 to 9.05 (Interest Rates)
  • Home loan from Rs 30 lac to Rs 75 lac- 8.65 to 9.35 (Interest Rates)
  • Home Loan from Rs 75 lac and above- 8.70 to 9.45 (Interest Rates)
  • TRU-FIXED LOANS - 2 YEARS
  • Home Loan up to Rs 30 lac- 8.70 to 9.40 (Interest Rates)
  • Home loan from Rs 30 lac to Rs 75 lac 9.00 to 9.70 (Interest Rates)
  • Home Loan from Rs 75 lac and above- 9.05 to 9.80 (Interest Rates)
  • Top-up loans for existing customers- 8.95 to 9.45 (Interest Rates)

Hdfc Home Loan Charges

  • Loan processing fees- 0.5% – 1.5% of loan amount + GST
  • Prepayment charges- No prepayment charges for floating rates
  • Check dishonour fees- Rs 200
  • PDC Swap- Up to Rs 200
  • List of documents charges- Up to Rs 500
  • Photocopy of documents charges- Up to Rs 500
  • Charges on account of Delayed Payments- 24% p.a
  • Disbursement Cheque Cancellation Charge Post Disbursement fees- Up to Rs 200+GST
  • Re-Appraisal Of Loan After 6 Months From Sanction fees- Up to Rs 2000+GST
  • Increase / Decrease In Loan Term- Up to Rs 500+GST

How to apply for Hdfc Home Loan

  • Go to the official site of Hdfc Bank.
  • Go through What are you looking for?
  • Now under the drop-down box of select product type select Loan
  • Now under the drop-down box of select product, select Home Loan
  • Now click on Apply Online
  • Mention your name, mobile number, email-id and city
  • If your property has been identified click Yes otherwise No
  • Accept the declaration and enter the captcha code
  • Review your mentioned details and click on submit.

Hdfc Home Loan Calculator

Home Loan Calculator from Hdfc lets you quickly measure your Home Loan EMI. Hdfc guarantees a comfortable home loan EMI with a low-interest rate and a long repayment period. Calculate the EMI for your loan using easy-to-understand EMI home loan calculator. Hdfc Home Loan calculator is simple to use and operates for a home buyer as a financial planning method.

Benefits of Hdfc EMI Calculator

Hdfc Home Loan calculator gives a clear insight into the balance that needs to be paid to the EMI and helps to make informed decisions about the outflow to the housing loan each month. This enables to calculate the amount of the loan that can be used and helps to evaluate the own contribution requirements and the cost of the asset. Understanding the EMI is therefore essential for determining approval for the home loan and the home buying activity.  

How do I use the Home Loan EMI calculator from Hdfc?

  • Enter the loan amount you want to utilize.
  • Enter the loan term you want to avail for the housing loan. A longer tenure helps to increase your eligibility.
  • Enter the interest rate as per your criteria and get Monthly Home loan EMI amount, Principal amount, Interest amount, Total Amount payable. 

Hdfc Home Loan Status

Hdfc Home Loan Status is the most convenient feature for its applicants who are availed home loan from Hdfc Bank. Hdfc Home Loan Status can be track from below 4 procedures

  • Through Hdfc official portal
  • Through Hdfc Net Banking
  • Through Hdfc Mobile App
  • Through Offline

Through Hdfc Official Site

Below mentioned details are required to track Hdfc Home Loan Status

  • Applicant's name
  • Reference Number or Proposal Number
  • Date of birth
  • Mobile Number

Procedure

  • Go to the Hdfc Loan Status Tracker site
  • Either enter the applicant's name as per Aadhar Card or Enter Reference Number or Proposal Number
  • Either enter your date of birth as per your identity proof or enter your valid mobile number.
  • Now click on submit to proceed
  • Now on the next page enter your mobile number, the verification code and click on submit.
  • On the next page, you can see the status of your loan.

Through Hdfc Net Banking

  • Go to Hdfc Netbanking site.
  • Now click on Retail Loan Customer
  • Now enter your Hdfc Netbanking Login Id and Password.
  • Now you can see the status of your loan such as Loan account number, Loan amount, Tenure, EMI, Status, Product.

Through Hdfc Mobile App

  • Go to Playstore or App Store(For Apple Users) and search for Loan Assist Hdfc Bank Loans.
  • Install it which take a maximum of 30 seconds to download
  • Open the app and enter your valid mobile number
  • Agree the terms and conditions
  • Now enter the OTP and click on submit to confirm your mobile number.
  • Now click on Track Your Loan
  • Now select Track Loans and Applications
  • Select your Loan type and add your loan agreement number on the required space
  • Now you will get to see your Loan summary and status

Through Offline

Applicants can also check their loan status by visiting nearest Hdfc Bank. Just you have to do is provide your Reference Number through which the bank representative will provide you the status of your loan.

Apart from this, you can also take help from 24x7 customer support. Just dial on the tollfree number 1800 258 3838 and provide your registered mobile number and reference number through which the customer care executive track your loan application and provide the status to you instantly.

Hdfc Home Loan Login

Through Hdfc Bank Net Banking services, Login with your Net Banking Id, Password and explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your home loan which is specially designed for you. Access all the features and get minimum interest rates on your home loan with flexible repayment option. No matter where you are just with your Hdfc NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Hdfc Home Loan Login and how to use it.

Features you will get after login for your Hdfc Home Loan

For New Customers

  • Get 24x7 customer service
  • Get a comprehensive range of transactions
  • Get 100% online security while transacting via Hdfc NetBanking service.

For existing Customers

  • Get a certificate of interest for your home loan. The certificate will be delivered to your doorstep by Hdfc Bank within 2 working days.
  • Get a provisional interest certificate for your home loan. The certificate will be delivered to your doorstep by Hdfc Bank within 2 working days.
  • Get interest rate/repayment details for your home loan. The certificate will be delivered to your doorstep by Hdfc Bank within 2 working days.

Get conversion options to get a minimum interest rate

For Home Loans, Home Improvement Loans, Home Extension Loan, Rural Housing Finance

  • Switch To A Lower Interest Rate In The Adjustable Interest Rate Option
  • Switch From Fixed Interest Rate Option To The Adjustable Interest Rate Option
  • Switch To A Lower Interest Rate In A Dual Rate Loan Option
  • Switch From TruFixed Loan Product (During The Period Of Initial Rate Of Interest) To The Adjustable Interest Rate Option
  • Switch From TruFixed Plus Loan Product (During The Period Of Initial Rate Of Interest) To The Adjustable Interest Rate Option
  • Switch From Existing Adjustable Interest Rate Option To Fixed Interest Rate Option Under The TruFixed Home Loan Variants

For Plot Loans

  • Switch To A Lower Interest Rate In The Adjustable Interest Rate Option
  • Switch From Fixed Interest Rate Option To The Adjustable Interest Rate Option
  • Switch To A Lower Interest Rate In A Dual Rate Loan Option
  • Switch From TruFixed Loan Product (During The Period Of Initial Rate Of Interest) To The Adjustable Interest Rate Option
  • Switch From TruFixed Plus Loan Product (During The Period Of Initial Rate Of Interest) To The Adjustable Interest Rate Option
  • Switch From Existing Adjustable Interest Rate Option To Fixed Interest Rate Option Under The TruFixed Home Loan Variants

For Loan Against Property and Non-Residential Premises Loan

  • Switch To A Lower Interest Rate In The Adjustable Interest Rate Option
  • Switch from Fixed Interest Rate Option to the Adjustable Interest Rate Option

Benefits you will get after Login for your Hdfc Home Loan

  • Manage your account, transfer your funds, pay your loan bills, make investments and more.
  • Stay secure with Hdfc Bank Safe Access solution and get an enhanced security solution by Hdfc Bank.
  • You can check your bill payment history.
  • Make enquiry of your transaction status
  • Get notification about your next loan payment date.
  • Applicants can make a secure login with face and touch id through Hdfc Mobile App
  • Get all personalized alerts and reminders for all your transactions
  • Download PDF statement of your last 6 months spending history
  • Apply for a new loan instantly.

How to Login

For existing user

  • Go to the official site of Hdfc Bank
  • Click on Login, which is located on the top bar of the page and select Loan Account Login
  • Enter your User Id and Password
  • Click on Login and explore

For New User

  • Go to the official site of Hdfc Bank
  • Click on Login, which is located on the top bar of the page and select Loan Account Login
  • Under the New User section, click on Register here.
  • On the next page enter your Hdfc Net Banking Id.
  • Enter your loan account number
  • Enter your date of birth
  • Enter the amount of your last EMI
  • Create your New Password and Confirm it.
  • Review all your mentioned details and click on submit.
  • After that, an OTP will be delivered to your registered mobile number,
  • Click on continue, on the next page enter the OTP on the required box and click on continue.
  • On the next page, you can see your User Id.
  • Enter your User Id and Password
  • Click on Login and explore

Hdfc Home Loan Customer Care Number

For Queries and Feedback Complaints

Indian Applicants now get in touch with Customer Care Executive just with a single number.

Ahmedabad- 07961606161

Bangalore- 08061606161

Chandigarh- 01726160616

Chennai- 04461606161

Cochin- 04846160616

Delhi and NCR- 01161606161

Hyderabad- 04061606161

Indore- 07316160616

Jaipur- 01416160616

Kolkata- 03361606161

Lucknow- 05226160616

Mumbai- 02261606161

Pune- 02061606161

NRI Phone Banking Numbers

USA- 855-999-6061

Canada- 855-999-6061

Singapore- 800-101-2850

Kenya- 0-800-721-740

Other Countries- 91-2267606161

Give a Missed Call on

+91-9289200017 and the customer care executive will call you instantly to solve your home loan queries

Hdfc Tollfree Number

For any queries dial on 1800 258 3838 for Indian Applicants Only.

For Loan Services dial on 1800 267 1006 for Indian Applicants only.

Write to Hdfc Customer Care

Hdfc Bank Ltd

Empire Plaza 1, 1st Floor

LBS Marg, Chandan Nagar

Vikhroli West- Mumbai- 400 083

For Loan services- 1800 266 4060.

Or Write to
Ms. Punam Umesh Naik (Grievance Redressal Officer)

Grievance Redressal Cell, Hdfc Bank Ltd.

2nd Floor Zenith House, Mahalaxmi, Mumbai- 400034

Give a call For Loan services- 1800 266 4060.

 

 

 

 

 

 

 

 

 

 

 

 

 

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