Your new address of Prosperity:Your Home

FAQ's

What’s the product all about?

HDFC Bank brings HDFC home loans to your doorstep. Over 3 decades of exclusive experience, a dedicated team of experts and a complete package to meet all your housing finance needs, HDFC Home Loans, help you realize your dream.

The HDFC Advantage

  • Pioneers of Housing Finance in India with over 33 years of lending experience
  • Widest range of Home Loan Products
  • Most experienced and empowered personnel to ensure smooth & easy processing.
  • Counseling and advisory services for acquiring a property
  • Loan from any office for purchase of home anywhere in India
  • Loan approval even before a property is selected
  • Flexible loan repayment options
  • Free & safe document storage

What are the features and benefits of HDFC Home Loans?

  • Home Loan:

    Home loans for individuals to purchase (fresh / resale) or construct houses. Application can be made individually or jointly.

  • Home Improvement Loan:

    The interiors of any home reflect the personal preferences and tastes of its owners making it imperative to constantly upgrade to keep up with changing times. HIL facilitates internal and external repairs and other structural improvements like Painting, Waterproofing and Roofing, Plumbing and Electrical Works, Tiling and Flooring, Grills, Aluminum Windows compound walls and much more.

  • Home Extension Loan:

    HEL for adding more space to your existing home for meeting the requirements of your growing family be it an extra bedroom for your children, a reading room for yourself or a cozy coffee corner. It is easy to extend your home anyway you like.

  • Automated Repayment of Home loan EMI:

    You can give us standing instructions to repay your Home Loan EMIs directly from your HDFC Bank Savings Account, thus, saving you the trouble of procuring, signing and tracking post-dated cheques.

  • HDFC also offers In-house scrutiny of Property documents for your complete peace of mind.

*Conditions apply. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd

What are the product features of HDFC - Rural Housing Finance?

    - Agriculturists
    - Dairy Farmers
    - Planters
    - Horticulturists

  • Construction of houses on plot owned by you
  • Addition of more rooms or floors to your existing house
  • Renovation & improvement of your house
  • Purchase of a new house
  • Rural Housing Finance Features

  • For Agriculturists:
    • If you are a farmer/planter/horticulturist/dairy farmer etc. having your own land and looking to build your own home, get in touch with us.
    • Specially Designed Housing Loans for Agriculturists.
    • Loan eligibility on the basis of land owned by you and the crops being cultivated.
    • Housing Loan in residential area of your own village
    • Loans for buying house or flat in city of your choice
  • For Salaried & Self Employed:
    • Everyone wants a place to call home what better place than your village or town to own one.
    • Housing Loans for homes in rural areas for Salaried persons
    • Housing Loans for homes in rural areas for Self Employed Businessmen or Self Employed Professional.

Have questions?

Are my property documents safe with HDFC Ltd.?

We offer In-house scrutiny of Property documents for your complete peace of mind. So be assured that your property documents are in safe hands.

*Conditions apply. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd

What are the customer privileges that I can avail of?

If you are an existing HDFC Home Loan customer, you can avail of other loans (such as Personal Loans, Car Loans, Two-wheeler Loans and Loan against securities) at lower interest rates and with minimum documentation.

Can I give standing instructions to repay my Home Loan EMIs directly from my HDFC Bank Savings Account?

Yes, you can opt for Automated Repayment and your EMIs will be directly repaid from your HDFC Bank Savings Account, thus saving you the trouble of procuring, signing and tracking post-dated cheques.

Do I have the option to structure my loan as partly fixed or partly floating?

Yes, you can structure your HDFC Ltd. Home Loan as Partly Fixed or Partly Floating as per your needs.

What is pre-EMI interest?

Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest is called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI.

*Conditions apply. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd.