HDFC Home Loan

On behalf of HDFC Ltd, HDFC Bank provides Best home loans. The interest rate on an HDFC Home loan starts at 6.75 percent per annum, with EMIs starting at Rs. 649 per lakh. The bank will finance up to 90% of the property's worth, which you can return over a flexible 30-year period. Read on (Afinoz) to learn more about HDFC home loans.

• Low-interest rates, starting at 6.75 percent per annum, including a 0.05 percent interest rate reduction for women borrowers on specialized lending programs.
• Employees of the Indian Army have a special arrangement with the Army Group Insurance Fund (AGIF).
• Up to 30 years of flexible tenure
• Different sorts of house loans are available to meet the needs of customers.
• Customers can choose from a variety of payment alternatives to suit their needs.

HDFC Plot Loan

• Loans for the acquisition of a plot through direct allotment from HDFC. There are no hidden fees.
• Repayment options that are tailored to you
• Legal and technical advice from experts
• Loans are also available to buy a resale plot.

HDFC Rural Housing Loan

• Rates start at 6.95 percent p.a. and go up from there.
• Designed for agriculturists, planters, horticulturists, and dairy farmers looking to buy a home in the country or city.
• IT returns are not necessary for agriculturists asking for a loan.
• Agriculturists get a longer payback period of up to 20 years.

HDFC Reach home Loan

• Loans for salaried people with a monthly salary of Rs.10,000 and self-employed people with a yearly income of Rs.2 lakhs.
• A loan can be utilized to buy a parcel of land.
• Use this loan to build your home on a parcel of land or freehold land.

HDFC Home Improvement Loan

• This loan is designed to help you renovate your home.
• New and existing customers can apply for loans.
• The process of documentation is simple and painless.
• Interest rates are comparable to those of a typical house loan.

HDFC Home Extension Loan

• Loans to help you build or expand your house
• A maximum of 20 years can be served.
• Women's applications are eligible for a lower interest rate.

HDFC Top-Up Loans

• Loans for both professional and personal purposes are available.
• A maximum loan of R.50 lakhs is available.
• HDFC Top-up Loan only available after 12 months from the final disbursement of your existing house loan and upon possession or completion of the previously funded property.

HDFC Balance Transfer loans

• Conveniently transfer your existing loan to HDFC.
• An additional top-up loan of up to Rs.50 lakh is available.
• For persons in the Indian Army, there is a special arrangement with AGIF for home loans.
• Repayment options that are tailored to you

HDFC NRI Home Loans

• NRI home loans are available for the purchase of an apartment, row house, or bungalow from private developers in India's approved projects.
• Loans are available for the purchase of a property in any part of India.
• Get home loan advice in the country where you now live.
• Loans to purchase of the real estate from the Development Authorities of India.

HDFC PMAY (Pradhan MantriAwasYojana)

• Up to 6.50 percent p.a. interest subsidy
• PMAY CLSS allows you to save up to Rs.2.67 lakh.
• Interest subsidies will be given for a maximum loan tenure of 20 years for the Economically Weaker Section (EWS), Lower Income Group (LIG), and Middle Income Group (MIG).

Afinoz.com is a website where customers can apply for an HDFC Home Loan. The following is the procedure for applying for an HDFC home loan.

• Step 1:To begin the home loan application process, click here.
• Step 2:Fill in the essential information, such as the loan amount, the type of home loan, and so on.
• Step 3:More information about your house loan needs and personal information, such as the property's cost, your complete name, date of birth, and so on.
• Step 4:To agree to the terms and conditions, check the box.
• Step 5:To continue, click the ‘View Best Offers' button.

The best home loan offers will show based on the applicant's eligibility.

• Step 6:Compare home loan offers and apply for the best one.

Customers will receive an acknowledgment message after the procedure is completed, which will include a reference number that they can use to follow their HDFC Ltd. home loan application. Customers will also be contacted by Afinoz's home loan professionals to continue the house loan procedure.

For further information, customers can check the status of their HDFC house loan and view their home loan summary online.

Different platforms, such as HDFC Netbanking and HDFC Bank's or HDFC Ltd.'s website, provide another option for applying for an HDFC Ltd. home loan online.

All salaried and self-employed applicants/co-applicants must provide the following HDFC home loan documents:

• Completed and signed HDFC Home Loan Application Form
• KYC Documents –A copy of your Aadhaar, PAN, Passport, Voter ID, Driving License, or other proof of identity and residence.                          
• For salaried workers, a copy of the following documents is required.
• The previous three months Salary Statements
• The previous six months Salary credits are shown on bank statements.
• The most recent Form-16 and IT returns
• If the present job is less than a year old, the employment contract/appointment letter is required.
• Proof of self-employment income – Copies of the following documents are required:
• Income Tax Returns (ITR) with CA attestation and income calculation for the previous three assessment years.
• Balance Sheet and Profit & Loss Account Statements, including Annexures / Schedules, attested by a CA for the last three years.
• Current Account Statements of the corporate entity for the last six months, as well as Savings Account Statements of the person.
• Property related papers - A copy of the documents listed below:

For New Homes:

• A copy of the Allotment Letter / Buyer Agreement Receipt/(s) of payment/(s) paid to the delegated authority
• For resale homes, title deeds with the prior chain of property documents are required.
• A copy of the agreement to sell Receipt/(s) of initial payment/(s) made to the seller (if already executed).

To Resale Home:

• The Plot's Title Deeds
• Proof that the property is free of encumbrances
• A copy of the plans that have been approved by the local governments
• An architect or civil engineer provides a construction estimate.

Other relevant documents - a copy or original of the following:

• If applicable, your contribution proof business profile
• Form 26 AS, the most recent version, is only for self-employed people.
• If the corporate entity is a company, a list of directors and shareholders with their holdings validated by a CA / CS is required.
• The Company's Memorandum and Articles of Association
• If the business is a partnership, the partnership deed must be provided. Current loans of the individual and/or the company entity must also be provided.
• A passport-sized photo of the applicant and any co-applicant (if any) is affixed to the HDFC home loan application form and signed by the applicant across
• A cheque to pay the processing fee to HDFC Ltd.