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HDFC Bank
HDFC Bank
5 on 5 from 1 ratings

Loan Details

Loan Amount
0 lakhs -
30 lakhs
30 lakhs -
100 lakhs
Effective Interest Rate p.a.
10.5 - 11.0%
10.75 - 11.25%

About the HDFC Housing Finance

HDFC Housing Finance

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HDFC Bank was incorporated in August 1994 and currently hasrna nationwide network of 3,062 Branches and 10,999 ATM's in 1,568 Indian townsrnand cities. With more than thirty years’ of experience as a housing financernprovider, HDFC Home Loans can give you the perfect product to fulfill yourrnneed, along with affordable EMIs. HDFC offers a suite of Housing Financernproducts that includes Home Loans, Home Improvement/Renovation Loans and HomernExtension Loans.

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Home Loan forrnPurchase of a Property

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HDFC provides maximum of 80% of the cost of the propertyrn(including the cost of the land) as loan amount. This percentage varies as bankrntakes following into consideration before deciding the percentage orrneligibility of the home loan seeker. It considers repayment capacity of therncustomer, willingness to pay, credit history etc.

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Maximum Term:

  • The maximum period of repayment of a loan shallrnbe up to 30 years (Telescopic Repayment option) under the Adjustable Rate HomernLoan product, depending upon the specific repayment scheme as may be opted.rnThis varies from customer to customer.
  • The maximum period of a loan shall be up to 20rnyears under the Fixed Rate Home Loan product.
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Repayment:

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Repayment will not ordinarily extend beyond the age ofrncustomers’ retirement. Bank considers age for repayment as; if you are employedrnor on reaching 70 years of age, whichever is earlier.

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Short Term Bridging Loans


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HDFC Short Term Bridging Loans provides customers with thernmuch-needed finance during the interim period between the sale of the old homernand the purchase of a new home.

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Maximum loan amount:
rn80% of cost of new property. This is however subject to valuation of thernproperty as assessed by HDFC.

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Maximum Term: 2 years

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Applicant and Co - Applicant to the loan
rnHome Loans can be applied for either individually or jointly. Proposed ownersrnof the property will have to be co-applicants. However, the co-applicants needrnnot be co-owners

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HDFC Plot Loans

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HDFC provides Plot Loans to Resident Indians tornenable the direct purchase/resale purchase/re-finance (balance transfer) of arnplot or for the construction of residential or non-residential premises overrnthe plot of land.

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Type of Plot Loans

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  • Directrn Allotment: An individual can purchase plot on direct allotment in
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    • Developmentrn Authority project or
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    • Developerrn project
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  • Resale:rn An individual can purchase plot on resale in a
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    • Developmentrn Authority's project or
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    • Developer'srn project or
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    • Developedrn area from a third party ( areas not covered under sr no 1 & 2)
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  • Refinancern (i.e. balance transfer of an existing residential/non-residential premisesrn plot loan from another financial institution)
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    rn An individual can apply for Refinance for:
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    • Refinancern of Plot Loan
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    • Refinancern of NRI plot Loan
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    • Refinancern Non-residential premises Plot Loan
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Home Loan forrnNRI’s

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HDFC offers the widest range of home loan products &rnservices to suit the unique requirements of Non-Resident Indians (NRIs) andrnPersons of Indian Origin (PIOs) including Home Loans for properties anywherernacross India, Home Improvement Loans, Home Extension Loans and Plot Loans forrnHousing.

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Benefits offered byrnHDFC:

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  • Propertyrn Search Assistance for properties across India.
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  • Valuablern insights on developer projects, location, developer credentials,rn documentation and offerings.
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  • Homern Loan Advisory Services - Legal and technical counseling on home loans.
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