HDFC Home Loans

HDFC offers home loans with EMIs starting from Rs. 659 per lac and interest rates starting from 6.90%* p.a. Our housing loan is tailor made for salaried individuals as they offer an attractive rate of interest and a longer tenure. HDFC Housing Loan offers you all online Home Loan solutions if you want to buy, construct or renovate your house. Turn your dream home into reality with HDFC Home Loans With benefits such as a low-interest rate, longer tenure, comfortable home loan EMI and doorstep service, apply for an HDFC Home Loan today.

Features

Home Loans for purchase of a House, flat, bungalow from private developers in approved projects & purchase of properties from Development Authorities such as DDA, HUDA etc.

Benefits of Home Loan

  • Benefit of a longer home loan repayment tenure of up to 30 years is possible 
  • GST rates on home purchase have been reduced significantly
  • Home loans have become very affordable today with low interest rates
  • It is super easy and convenient to apply for a home loan online
  • Multiple options for homebuyers in the affordable home segment

Interest Rate & Fees

** Interest rate will vary as per the CIBIL score of the customer
** Based on LTV of the Property

Processing Fee structure (excluding Advocate Fee) will be as under:

**0.50% of the loan amount plus applicable GST subject to a maximum of Rs.10000/- Plus GST for salaried applicants.
**Legal fees approx Rs.4000/- without CTC* (Certified True Copy)

Document Required

List of Documents applicable to all applicants:

  • Employer Identity Card
  • Loan Application: Completed loan application form duly filled in affixed with 3 Passport size photographs
  • Proof of Identity: PAN Card (Mandatory)
  • Proof of Residence/ Address (Any one): 

(a) Recent copy of Electricity Bill

(b) Water Bill

(c) Piped Gas Bill 

(d) Copy of Passport

(e) Aadhar Card (Mandatory)

Property Papers:

  • Permission for construction (where applicable)
  • Stamped Agreement for Sale /Allotment Letter
  • Occupancy Certificate (in case of ready to move property)
  • Share Certificate (only for Co-operative Societies), Maintenance Bill, Electricity Bill, Property Tax Receipt
  • Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property)
  • Payment Receipts and bank A/C statement showing all the payments made to Builder/Seller

Account Statement:

  • Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s
  • If any previous loan from other Banks/Lenders, then Sanction Letter of Loan Running and Loan A/C statement for last 1 year.

Income Proof for Salaried:

  • Salary Slip or Salary Certificate of latest 3 months
  • Copy of Form 16 for last 2 years and copy of IT Returns for last 2 financial years, acknowledged by IT Dept.

Income Proof for Non-Salaried:

  • Business address proof
    1. IT returns for last 3 years
    2. Balance Sheet & Profit & Loss A/c for last 3 years
    3. Business License Details(or equivalent)
  • TDS Certificate (Form 16A, if applicable)
  • Certificate of qualification (for C.A./ Doctor and other professionals)



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