HDFC Bank’s Home Loan offers Indian customers a safe and efficient way to purchase, build, renovate or expand their own home. Recognized as one of the most reliable products on the market, it combines flexible terms, long terms and competitive rates with a simplified, often fully digital process.

core/paragraph

<p>HDFC Bank’s Home Loan offers Indian customers a safe and efficient way to purchase, build, renovate or expand their own home. Recognized as one of the most reliable products on the market, it combines flexible terms, long terms and competitive rates with a simplified, often fully digital process.</p>

With personalized support and technical assistance, this loan accompanies the customer’s entire journey to acquire the property of their dreams.

<p>With personalized support and technical assistance, this loan accompanies the customer’s entire journey to acquire the property of their dreams.</p>

Apply the loan:

HDFC Bank Home Loan

lazyblock/mda-offer

Designed for different profiles — salaried workers, professionals, self-employed individuals, pensioners and non-resident Indians — this Home Loan adapts to various situations, including purchasing a property, building on your own land, renovations and even transferring financing from another institution.

<p>Designed for different profiles — salaried workers, professionals, self-employed individuals, pensioners and non-resident Indians — this Home Loan adapts to various situations, including purchasing a property, building on your own land, renovations and even transferring financing from another institution.</p>

HDFC Bank offers institutional security, cutting-edge technology and specialized service, ensuring transparency and support throughout the entire process.

<p>HDFC Bank offers institutional security, cutting-edge technology and specialized service, ensuring transparency and support throughout the entire process.</p>

What are the requirements needed to apply?

core/heading

<h2 class="wp-block-heading">What are the requirements needed to apply?</h2>

To apply for a Home Loan with HDFC Bank, you must meet criteria that ensure your repayment capacity and suitability for the credit line. These requirements are set to ensure that the loan is viable and sustainable for the customer.

<p>To apply for a Home Loan with HDFC Bank, you must meet criteria that ensure your repayment capacity and suitability for the credit line. These requirements are set to ensure that the loan is viable and sustainable for the customer.</p>

<h3 class="wp-block-heading">Applicant profile</h3>

<ul>
<li>Be of legal age, at least eighteen years old</li>



<li>Be under seventy years of age on the date of loan completion</li>



<li>Have Indian nationality or, in case of NRI, prove legal residence and ties with the country</li>



<li>Possess identification issued by an official body (such as PAN, Aadhaar or passport)</li>
</ul>

core/list-item

<li>Be of legal age, at least eighteen years old</li>

<li>Be under seventy years of age on the date of loan completion</li>

<li>Have Indian nationality or, in case of NRI, prove legal residence and ties with the country</li>

<li>Possess identification issued by an official body (such as PAN, Aadhaar or passport)</li>

core/list

<h3 class="wp-block-heading">Income and occupation</h3>

<ul>
<li>Demonstrate stable income compatible with the amount to be financed</li>



<li>If salaried, have a formal employment relationship with regular proof of employment</li>



<li>If self-employed or a liberal professional, present documentation that proves financial capacity</li>



<li>In case of NRI, have NRI/NRO account and proof of income abroad</li>
</ul>

<li>Demonstrate stable income compatible with the amount to be financed</li>

<li>If salaried, have a formal employment relationship with regular proof of employment</li>

<li>If self-employed or a liberal professional, present documentation that proves financial capacity</li>

<li>In case of NRI, have NRI/NRO account and proof of income abroad</li>

<h3 class="wp-block-heading">Financial health and credit</h3>

<ul>
<li>Present a healthy credit history, with an adequate score</li>



<li>Absence of negative records in credit sources</li>



<li>Ability to pay monthly payments without exceeding a reasonable percentage of net income</li>
</ul>

<li>Present a healthy credit history, with an adequate score</li>

<li>Absence of negative records in credit sources</li>

<li>Ability to pay monthly payments without exceeding a reasonable percentage of net income</li>

<h3 class="wp-block-heading">Relationship with the bank</h3>

<ul>
<li>Having an active account with HDFC Bank can make the analysis easier</li>



<li>Use of additional products or services (such as insurance or cards) strengthens the proposal</li>
</ul>

<li>Having an active account with HDFC Bank can make the analysis easier</li>

<li>Use of additional products or services (such as insurance or cards) strengthens the proposal</li>

See all about the loan:

Loan Unionbank

<h2 class="wp-block-heading">What documents are required?</h2>

For Home Loan approval, HDFC Bank requires documentation that varies according to the applicant's profile and the purpose of the loan. The following are the most commonly requested documents to enable credit.

<p>For Home Loan approval, HDFC Bank requires documentation that varies according to the applicant's profile and the purpose of the loan. The following are the most commonly requested documents to enable credit.</p>

<h3 class="wp-block-heading">Identification and residence documents</h3>

<ul>
<li>PAN and Aadhaar cards or Passport and Driving License</li>



<li>Recent proof of residence, such as a utility bill or bank statement</li>
</ul>

<li>PAN and Aadhaar cards or Passport and Driving License</li>

<li>Recent proof of residence, such as a utility bill or bank statement</li>

<h3 class="wp-block-heading">Proof of income for employees</h3>

<ul>
<li>Last paychecks</li>



<li>Income Tax Return (Form 16 or equivalent)</li>



<li>Bank statement for the last few months</li>
</ul>

<li>Income Tax Return (Form 16 or equivalent)</li>

<li>Bank statement for the last few months</li>

Proof of income for self-employed workers

<h3 class="wp-block-heading">Proof of income for self-employed workers</h3>

<ul>
<li>Income tax returns for the last two or three years</li>



<li>Income statement signed by an accountant</li>



<li>Bank statements related to the activity</li>
</ul>

<li>Income tax returns for the last two or three years</li>

<li>Income statement signed by an accountant</li>

<li>Bank statements related to the activity</li>

<h3 class="wp-block-heading">NRI Documentation</h3>

<ul>
<li>Copies of Passport, Visa and NRI/NRO Account</li>



<li>Proof of income abroad</li>



<li>Legal declaration of international taxation</li>
</ul>

<li>Copies of Passport, Visa and NRI/NRO Account</li>

<li>Legal declaration of international taxation</li>

<h3 class="wp-block-heading">Property documentation</h3>

<ul>
<li>Allocation letter or purchase agreement</li>



<li>Deed or proof of ownership</li>



<li>Approved construction drawings (in case of new construction)</li>



<li>Budget or construction plan for new construction or renovations</li>
</ul>

<li>Allocation letter or purchase agreement</li>

<li>Approved construction drawings (in case of new construction)</li>

<li>Budget or construction plan for new construction or renovations</li>

<h3 class="wp-block-heading">Additional documents</h3>

<ul>
<li>Recent photos of the applicant</li>



<li>Check for processing fee</li>



<li>Co-applicant documentation, if applicable</li>



<li>Documents to prove personal financial contribution</li>
</ul>

<li>Co-applicant documentation, if applicable</li>

<li>Documents to prove personal financial contribution</li>

<h2 class="wp-block-heading">What are the biggest uses of this loan?</h2>

HDFC Bank's Home Loan is extremely versatile and can be applied to a variety of housing-related situations, offering solutions for each customer's specific needs.

<p>HDFC Bank's Home Loan is extremely versatile and can be applied to a variety of housing-related situations, offering solutions for each customer's specific needs.</p>

Purchase of property ready or under construction

<h3 class="wp-block-heading">Purchase of property ready or under construction</h3>

<ul>
<li>Financing for the acquisition of existing residential property</li>



<li>Possibility of financing properties under construction, with staggered disbursement</li>
</ul>

<li>Financing for the acquisition of existing residential property</li>

<li>Possibility of financing properties under construction, with staggered disbursement</li>

<h3 class="wp-block-heading">Construction on own land</h3>

<ul>
<li>Loan to build from the ground up, with payments released as construction progresses</li>



<li>Options for financing foundation, structure, finishing and essential services</li>
</ul>

<li>Loan to build from the ground up, with payments released as construction progresses</li>

<li>Options for financing foundation, structure, finishing and essential services</li>

<h3 class="wp-block-heading">Renovation, expansion or modernization</h3>

<ul>
<li>Resources to renovate internal areas, expand rooms, install new options such as a modular kitchen or extra bathroom</li>



<li>Ideal for revitalizing the property and increasing its market value</li>
</ul>

<li>Resources to renovate internal areas, expand rooms, install new options such as a modular kitchen or extra bathroom</li>

<li>Ideal for revitalizing the property and increasing its market value</li>

<h3 class="wp-block-heading">Funding transfer</h3>

<ul>
<li>Allows you to transfer loans from other banks to HDFC with better terms</li>



<li>Reduction in interest rates, savings on installments and possibility of longer terms</li>
</ul>

<li>Allows you to transfer loans from other banks to HDFC with better terms</li>

<li>Reduction in interest rates, savings on installments and possibility of longer terms</li>

<h3 class="wp-block-heading">Other residential applications</h3>

<ul>
<li>Future land acquisition</li>



<li>Adding spaces such as a balcony or garage</li>



<li>Combination with products as top-up for future needs</li>
</ul>

<li>Adding spaces such as a balcony or garage</li>

<li>Combination with products as top-up for future needs</li>

lazyblock/mda-button

Our advice for those applying for HDFC Home Loan

<h2 class="wp-block-heading">Our advice for those applying for HDFC Home Loan</h2>

Making smart, planned decisions is essential for the loan to truly become a useful tool in realizing your residential dreams. Here are some important tips.

<p>Making smart, planned decisions is essential for the loan to truly become a useful tool in realizing your residential dreams. Here are some important tips.</p>

<ul>
<li>Clearly determine the value of the property or the cost of construction/renovation</li>



<li>Calculate the installment within the monthly budget, saving the remainder for other expenses.</li>



<li>Choose terms that suit your profile to avoid excessive interest</li>



<li>If possible, use a co-applicant to increase the financeable amount</li>



<li>Monitor the rate market: if there is a drop, consider transferring to reduce costs</li>



<li>Keep your financial history clean to facilitate future negotiations</li>



<li>Use HDFC's digital channels to reduce time and paperwork</li>



<li>Keep important documents such as sanction letters, schedules and receipts</li>
</ul>

<li>Clearly determine the value of the property or the cost of construction/renovation</li>

<li>Calculate the installment within the monthly budget, saving the remainder for other expenses.</li>

<li>Choose terms that suit your profile to avoid excessive interest</li>

<li>If possible, use a co-applicant to increase the financeable amount</li>

<li>Monitor the rate market: if there is a drop, consider transferring to reduce costs</li>

<li>Keep your financial history clean to facilitate future negotiations</li>

<li>Use HDFC's digital channels to reduce time and paperwork</li>

<li>Keep important documents such as sanction letters, schedules and receipts</li>

Weighing up the pros and cons - Is it worth it?

<h2 class="wp-block-heading">Weighing up the pros and cons - Is it worth it?</h2>

Before taking out a Home Loan, evaluate the positive and negative points to ensure that the decision is well-aligned with your life stage and financial goals.

<p>Before taking out a Home Loan, evaluate the positive and negative points to ensure that the decision is well-aligned with your life stage and financial goals.</p>

<h3 class="wp-block-heading">Advantages</h3>

<ul>
<li>Large financing amount, suitable for different properties and profiles</li>



<li>Long payment terms, reducing the monthly installment</li>



<li>Competitive rates with fixed or variable rate option</li>



<li>Simplified process, often fully digital</li>



<li>Flexibility of use, whether for purchase, construction, renovation or transfer</li>



<li>No penalty or reduced penalty for prepayment</li>



<li>Possibility to add co-applicant to increase approval</li>
</ul>

<li>Large financing amount, suitable for different properties and profiles</li>

<li>Long payment terms, reducing the monthly installment</li>

<li>Competitive rates with fixed or variable rate option</li>

<li>Simplified process, often fully digital</li>

<li>Flexibility of use, whether for purchase, construction, renovation or transfer</li>

<li>No penalty or reduced penalty for prepayment</li>

<li>Possibility to add co-applicant to increase approval</li>

<h3 class="wp-block-heading">Disadvantages</h3>

<ul>
<li>Long term means high interest payments over time</li>



<li>Floating rate risk if the benchmark index increases</li>



<li>Property appraisal process can be time consuming</li>



<li>Requires extensive documentation, especially for self-employed and NRIs</li>



<li>Restrictions on the financed amount according to profile may limit purchase</li>
</ul>

<li>Long term means high interest payments over time</li>

<li>Floating rate risk if the benchmark index increases</li>

<li>Property appraisal process can be time consuming</li>

<li>Requires extensive documentation, especially for self-employed and NRIs</li>

<li>Restrictions on the financed amount according to profile may limit purchase</li>

Apply for HDFC Bank Home Loan once and for all on the official website!

<h2 class="wp-block-heading">Apply for HDFC Bank Home Loan once and for all on the official website!</h2>

<h3 class="wp-block-heading">Step by step to apply</h3>

<ul>
<li>Go to the official website of HDFC Bank and select the Home Loans section</li>



<li>Click “Apply Online” to start the process</li>



<li>Log in to Internet Banking or register as a new user</li>



<li>Fill in your personal details, income information and details about the property to be financed.</li>



<li>Submit all required documents via digital upload</li>



<li>Select whether you want a fixed or variable rate, loan term and co-applicant if applicable</li>



<li>Read and accept the terms, consenting to the credit check and property evaluation</li>



<li>Wait for the sanction letter with the amount, term, fee and conditions.</li>



<li>Sign the sanction letter electronically or in-branch and pay the processing fee</li>



<li>After legal and technical approval of the property, the amount will be released into the account</li>



<li>Receive the payment schedule and track your payments via Internet Banking or the app</li>
</ul>

<li>Go to the official website of HDFC Bank and select the Home Loans section</li>

<li>Click “Apply Online” to start the process</li>

<li>Log in to Internet Banking or register as a new user</li>

<li>Fill in your personal details, income information and details about the property to be financed.</li>

<li>Submit all required documents via digital upload</li>

<li>Select whether you want a fixed or variable rate, loan term and co-applicant if applicable</li>

<li>Read and accept the terms, consenting to the credit check and property evaluation</li>

<li>Wait for the sanction letter with the amount, term, fee and conditions.</li>

<li>Sign the sanction letter electronically or in-branch and pay the processing fee</li>

<li>After legal and technical approval of the property, the amount will be released into the account</li>

<li>Receive the payment schedule and track your payments via Internet Banking or the app</li>

Flexible repayment terms

Low initial interest rates

Online application available

lazyblock/mda-own-ad


<p>HDFC Bank’s Home Loan offers Indian customers a safe and efficient way to purchase, build, renovate or expand their own home. Recognized as one of the most reliable products on the market, it combines flexible terms, long terms and competitive rates with a simplified, often fully digital process.</p>



<p>With personalized support and technical assistance, this loan accompanies the customer’s entire journey to acquire the property of their dreams.</p>





<p>Designed for different profiles — salaried workers, professionals, self-employed individuals, pensioners and non-resident Indians — this Home Loan adapts to various situations, including purchasing a property, building on your own land, renovations and even transferring financing from another institution.</p>



<p>HDFC Bank offers institutional security, cutting-edge technology and specialized service, ensuring transparency and support throughout the entire process.</p>



<h2 class="wp-block-heading">What are the requirements needed to apply?</h2>



<p>To apply for a Home Loan with HDFC Bank, you must meet criteria that ensure your repayment capacity and suitability for the credit line. These requirements are set to ensure that the loan is viable and sustainable for the customer.</p>



<h3 class="wp-block-heading">Applicant profile</h3>



<ul>
<li>Be of legal age, at least eighteen years old</li>



<li>Be under seventy years of age on the date of loan completion</li>



<li>Have Indian nationality or, in case of NRI, prove legal residence and ties with the country</li>



<li>Possess identification issued by an official body (such as PAN, Aadhaar or passport)</li>
</ul>



<h3 class="wp-block-heading">Income and occupation</h3>



<ul>
<li>Demonstrate stable income compatible with the amount to be financed</li>



<li>If salaried, have a formal employment relationship with regular proof of employment</li>



<li>If self-employed or a liberal professional, present documentation that proves financial capacity</li>



<li>In case of NRI, have NRI/NRO account and proof of income abroad</li>
</ul>



<h3 class="wp-block-heading">Financial health and credit</h3>



<ul>
<li>Present a healthy credit history, with an adequate score</li>



<li>Absence of negative records in credit sources</li>



<li>Ability to pay monthly payments without exceeding a reasonable percentage of net income</li>
</ul>



<h3 class="wp-block-heading">Relationship with the bank</h3>



<ul>
<li>Having an active account with HDFC Bank can make the analysis easier</li>



<li>Use of additional products or services (such as insurance or cards) strengthens the proposal</li>
</ul>





<h2 class="wp-block-heading">What documents are required?</h2>



<p>For Home Loan approval, HDFC Bank requires documentation that varies according to the applicant&#8217;s profile and the purpose of the loan. The following are the most commonly requested documents to enable credit.</p>



<h3 class="wp-block-heading">Identification and residence documents</h3>



<ul>
<li>PAN and Aadhaar cards or Passport and Driving License</li>



<li>Recent proof of residence, such as a utility bill or bank statement</li>
</ul>



<h3 class="wp-block-heading">Proof of income for employees</h3>



<ul>
<li>Last paychecks</li>



<li>Income Tax Return (Form 16 or equivalent)</li>



<li>Bank statement for the last few months</li>
</ul>



<h3 class="wp-block-heading">Proof of income for self-employed workers</h3>



<ul>
<li>Income tax returns for the last two or three years</li>



<li>Income statement signed by an accountant</li>



<li>Bank statements related to the activity</li>
</ul>



<h3 class="wp-block-heading">NRI Documentation</h3>



<ul>
<li>Copies of Passport, Visa and NRI/NRO Account</li>



<li>Proof of income abroad</li>



<li>Legal declaration of international taxation</li>
</ul>



<h3 class="wp-block-heading">Property documentation</h3>



<ul>
<li>Allocation letter or purchase agreement</li>



<li>Deed or proof of ownership</li>



<li>Approved construction drawings (in case of new construction)</li>



<li>Budget or construction plan for new construction or renovations</li>
</ul>



<h3 class="wp-block-heading">Additional documents</h3>



<ul>
<li>Recent photos of the applicant</li>



<li>Check for processing fee</li>



<li>Co-applicant documentation, if applicable</li>



<li>Documents to prove personal financial contribution</li>
</ul>



<h2 class="wp-block-heading">What are the biggest uses of this loan?</h2>



<p>HDFC Bank&#8217;s Home Loan is extremely versatile and can be applied to a variety of housing-related situations, offering solutions for each customer&#8217;s specific needs.</p>



<h3 class="wp-block-heading">Purchase of property ready or under construction</h3>



<ul>
<li>Financing for the acquisition of existing residential property</li>



<li>Possibility of financing properties under construction, with staggered disbursement</li>
</ul>



<h3 class="wp-block-heading">Construction on own land</h3>



<ul>
<li>Loan to build from the ground up, with payments released as construction progresses</li>



<li>Options for financing foundation, structure, finishing and essential services</li>
</ul>



<h3 class="wp-block-heading">Renovation, expansion or modernization</h3>



<ul>
<li>Resources to renovate internal areas, expand rooms, install new options such as a modular kitchen or extra bathroom</li>



<li>Ideal for revitalizing the property and increasing its market value</li>
</ul>



<h3 class="wp-block-heading">Funding transfer</h3>



<ul>
<li>Allows you to transfer loans from other banks to HDFC with better terms</li>



<li>Reduction in interest rates, savings on installments and possibility of longer terms</li>
</ul>



<h3 class="wp-block-heading">Other residential applications</h3>



<ul>
<li>Future land acquisition</li>



<li>Adding spaces such as a balcony or garage</li>



<li>Combination with products as top-up for future needs</li>
</ul>





<h2 class="wp-block-heading">Our advice for those applying for HDFC Home Loan</h2>



<p>Making smart, planned decisions is essential for the loan to truly become a useful tool in realizing your residential dreams. Here are some important tips.</p>



<ul>
<li>Clearly determine the value of the property or the cost of construction/renovation</li>



<li>Calculate the installment within the monthly budget, saving the remainder for other expenses.</li>



<li>Choose terms that suit your profile to avoid excessive interest</li>



<li>If possible, use a co-applicant to increase the financeable amount</li>



<li>Monitor the rate market: if there is a drop, consider transferring to reduce costs</li>



<li>Keep your financial history clean to facilitate future negotiations</li>



<li>Use HDFC&#8217;s digital channels to reduce time and paperwork</li>



<li>Keep important documents such as sanction letters, schedules and receipts</li>
</ul>



<h2 class="wp-block-heading">Weighing up the pros and cons &#8211; Is it worth it?</h2>



<p>Before taking out a Home Loan, evaluate the positive and negative points to ensure that the decision is well-aligned with your life stage and financial goals.</p>



<h3 class="wp-block-heading">Advantages</h3>



<ul>
<li>Large financing amount, suitable for different properties and profiles</li>



<li>Long payment terms, reducing the monthly installment</li>



<li>Competitive rates with fixed or variable rate option</li>



<li>Simplified process, often fully digital</li>



<li>Flexibility of use, whether for purchase, construction, renovation or transfer</li>



<li>No penalty or reduced penalty for prepayment</li>



<li>Possibility to add co-applicant to increase approval</li>
</ul>



<h3 class="wp-block-heading">Disadvantages</h3>



<ul>
<li>Long term means high interest payments over time</li>



<li>Floating rate risk if the benchmark index increases</li>



<li>Property appraisal process can be time consuming</li>



<li>Requires extensive documentation, especially for self-employed and NRIs</li>



<li>Restrictions on the financed amount according to profile may limit purchase</li>
</ul>



<h2 class="wp-block-heading">Apply for HDFC Bank Home Loan once and for all on the official website!</h2>



<h3 class="wp-block-heading">Step by step to apply</h3>



<ul>
<li>Go to the official website of HDFC Bank and select the Home Loans section</li>



<li>Click “Apply Online” to start the process</li>



<li>Log in to Internet Banking or register as a new user</li>



<li>Fill in your personal details, income information and details about the property to be financed.</li>



<li>Submit all required documents via digital upload</li>



<li>Select whether you want a fixed or variable rate, loan term and co-applicant if applicable</li>



<li>Read and accept the terms, consenting to the credit check and property evaluation</li>



<li>Wait for the sanction letter with the amount, term, fee and conditions.</li>



<li>Sign the sanction letter electronically or in-branch and pay the processing fee</li>



<li>After legal and technical approval of the property, the amount will be released into the account</li>



<li>Receive the payment schedule and track your payments via Internet Banking or the app</li>
</ul>




