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HDFC LTD Home Loan Ratings
4.0 / 5.0 by 291 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

HDFC LTD Home Loan Reviews

"HDFC LTD is one of the best bank in the market to opt home loan,though my friends suggested me i have opted loan from HDFC LTD. But initially i felt their response was not too good they asked me to provide triparty aggrement ,any how i managed and provide them all relevant documents otherwise am really happy that i got my home loan disbursal on time. "

Anoop Srivastava, Chandigarh
More Reviews
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HDFC Home Loans

HDFC Ltd a leading housing finance provider in India offers home loans for both resident Indians and NRIs.

HDFC Home Loan Interest Rates

HDFC home loan interest rates start as low as 10.5%. Apply on BankBazaar.com for a HDFC home loan and get e-approved instantly provided you meet the eligibility criteria.

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HDFC LTD Home Loan Overview

HDFC LTD 4.0 / 5.0 by 291 users     Used this product? Write a review »
HDFC LTD Home Loan Apply on BankBazaar.com for HDFC Ltd Home Loans and get instant e-approval.

HDFC Ltd is the most trusted housing finance company in India. If you are looking to buy a home and need a loan then check the exciting home loan offers from HDFC Ltd. Get instant e-approval from HDFC on home loans, home improvement loans, home extension loans, and loan against property or short term bridging loans. Check your HDFC home loan eligibility now by filling up the above form and get best housing loan offers instantly. Check your Eligibility Now!

Why Apply for HDFC Home Loan on BankBazaar.com?
  • Lowest interest rates: We have coordinated with HDFC Ltd to get you the best home loan interest rates. In fact HDFC Ltd use BankBazaar.com-powered technology to give their customers the best home loan experience on their website https://www.hdfcinstanthomeloans.com/
  • Instant e-approval: On BankBazaar.com you can compare home loan offers, apply online and get instant e-approval for your home loans from HDFC Ltd.
  • Simple Online Comparison: Compare home loan offers on the basis of loan eligibility, EMI, interest rate, fees and customer ratings.
  • Transparency: Aimed at helping you make the right choice, we provide objective and transparent information about your loan options.
  • Privacy: When you apply for HDFC Home Loans at BankBazaar.com your details are sent only to HDFC and are never shared with anyone else.
How to get HDFC Ltd home loans on BankBazaar.com
  • Eligibility Calculator: Fill the form above to instantly get customized HDFC home loan quotes that you are eligible for.
  • Compare home loan offers: Compare customized home loan offers from HDFC based on your eligibility criteria and apply online.
  • Your home loan application will be sent electronically to HDFC Ltd. HDFC will contact you within one day.
  • BankBazaar.com will update you on your loan application status via email & SMS alerts

HDFC LTD Home Loan FAQs

  1. How much can I borrow?
    HDFC Ltd will fund up to 80% of the property value.

  2. Can I transfer my existing home loan to HDFC?
    Yes, you can transfer your Home Loan to HDFC without any hassles and at attractive interest rates.

  3. 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.

  4. Can I repay my loan ahead of schedule?
    Yes, you can repay the loan ahead of schedule by making lump sum payments or choose our accelerated repayment scheme.

  5. Do I get a tax benefit on the loan?
    Yes. Resident Indians are eligible for certain tax benefits on principal and interest components of a loan under the Income Tax Act, 1961. Interest repayment of Rs. 1,50,000 p.a. can get you a tax saving up to about Rs. 50,490 p.a. Moreover, you can get added tax benefits under Section 80C on repayment of principal amount up to Rs. 1,00,000 p.a. that can further reduce your tax liability by about Rs. 33,660 p.a.

  6. What security will I have to provide?
    The security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be additionally required, if the property is under construction. Collateral or interim security could be assignment to HDFC of life insurance policies, the surrender value of which is at least equal to the loan amount, guarantees from sound and solvent guarantors, pledge of shares and such other investments that are acceptable to HDFC. Please do ensure that the title to the property is clear, marketable and free from encumbrance. To elaborate, there should not be any existing mortgage, loan or litigation, which is likely to affect the title to the property adversely.

  7. Does the Agreement for Sale have to be registered?
    In many states in India, the Agreement for Sale between the builder and purchaser is required by law to be registered. You are advised, in your own interest to lodge the Agreement for registration within four months of the date of the Agreement at the office of the Sub-Registrar appointed by the State Government, under the Indian Registration Act, 1908..

  8. Are there any restrictions on transfer of immovable properties?
    In terms of Chapter XX C of the Income Tax Act, 1961, the Central Government has the first option to purchase certain immovable properties exceeding certain value and as such transactions covered by this Chapter can be proceeded with only after complying with the requirements prescribed therein.

  9. Can I get a higher loan through my existing loan account?
    You could go in for a Home Conversion Loan with your lender whereby your existing loan could be transferred to the new property with an increase in loan amount subject to your current loan eligibility. This would save you from the hassle of prepaying the first loan, also saving you from prepayment and processing charges to the extent of the loan converted.

  10. 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.

HDFC LTD Home Loan Eligibility & Documentation

HDFC Bank Home Loan Eligibility:
Anyone with a repayment capability and a dream to buy a home is eligible to get a home loan. Some of the important eligibility criteria are as follows:

  • Salaried individual or Self employed individual or Self employed professional like doctor, lawyer, etc.
  • NRI or resident Indians
  • Aged between 21 years and 65 years
  • Have a good CIBIL credit score
  • Good repayment capacity with fixed & stable income source
  • Employment at a stable company
  • Try our home loan eligibility calculator to check how much loan amount you are eligible for.

How is your HDFC Bank home loan eligibility determined?
Based on the following aspects financial institutes will determine your loan eligibility:

  • Your monthly income
  • Property cost (you can get 80% of the property value if the loan amount is less than 20 lakhs and 85% of the property value if the loan amount is more than 20 lakhs. )
  • Other EMI’s which you are paying for any other loan

Fill the form above to check your actual home loan amount eligibility.


HDFC Bank Home Loan documentation: For a speedy Home Loan approval you will need genuine documents which will help banks to give quick approvals. Here is a standard list of options for each document required.
Identity proof:

  • Driving license
  • Voters ID
  • Passport
  • PAN card
  • Ration card
  • Employee ID
  • Bank passbook
  • Letter from a recognized public authority or public servant verifying your photograph
  • Confirmation letter from your employer or another bank verifying your photograph

Address Proof:

  • Driving license
  • Voters ID
  • Passport
  • Ration card
  • Bank passbook or Bank account statement
  • LIC policy/ receipt
  • Utility Bill – telephone, electricity, water, gas (less than 2 months old)
  • Letter from any recognized public authority verifying residence address of the customer
  • Letter from your employer

Age Proof:

  • Driving license
  • Passport
  • Bank passbook
  • PAN Card
  • Birth certificate
  • 10th standard mark sheet

Income Proof: The following set of documents that detail your credit profile varies according to whether you are a salaried individual or a self-employed individual.
Self Employed/Entrepreneurs:

  • A brief introduction of Business/Profession
  • Balance Sheet, profit and loss account statement of income, proof of income tax returns for the last 3 years certified by a CA
  • Photographs
  • Receipts of advance tax payments if any made
  • A photocopy of Registration Certificate of establishment under Shops and Establishments Act/Factories Act
  • Registration Certificate for deduction of Profession Tax
  • Certificate of Practice
  • Receipts of Bank loans
  • Proof of investments (FD Certificates, Shares, any other fixed asset)

Salaried Individuals:

  • Income Proof ( you just need to provide one of the options listed for income proof)
  • Latest Pay slip
  • Form 16
  • Increment/Promotion letters
  • Appointment letter
  • Pay slip (Last 2 months) with salary account bank statement
  • Certified letter from Employer
  • IT returns ( for three years )
  • Investment proof (FD certificates, shares, any fixed asset etc.)
  • Documents supporting the financial background of the borrower (his liability and assets if any)
  • Photographs

What are the documents required for obtaining NRI Home Loans?
NRIs are required to submit a few documents more than is required for a resident Indian:

  • A copy of the passport
  • A copy of the works contract (also sometimes referred to as the contract card/labor card)
  • The power of attorney (POA). The POA is required because the borrower is not based in India and in such a scenario; the HFC would need a representative ‘in lieu of’ the NRI to deal with as required. Although not compulsory, the POA is usually drawn on the NRI’s parents, wife or children

I am purchasing a flat from the builder, what supporting documents I will need to submit to the bank?

  • Original copy of your agreement with the builder
  • 7/12 extract – This is issued by the concerned land authorities giving details such as the survey numbers, area, date from which current owner is registered as owner etc.
  • Property register card, which is obtained from the City Survey Department
  • N.A. permission for the land from the collector, if its agricultural - If the land is agricultural and is being utilised for residential/ commercial/industrial use, then such agricultural land has to be converted to non-agricultural land and a Non-Agriculture Order has to be obtained from the Collector of the district where the property is located.
  • Search Report and Title Certificate – A search report and title certificate can be obtained from an advocate who will conduct a survey of the title of the property by visiting the office of registrar. A legal opinion can avoid any legal hassles later and is mandatory to be filed with the agreement for sale.
  • Development agreement between the owner of land and the builder
  • Copy of order under the Urban land Ceiling Act
  • Copy of building plans sanctioned by the competent authority
  • Commencement certificate granted by the Corporation
  • Building completion certificate
  • Latest receipts for taxes paid towards the land or property or flat to be purchased
  • Partnership deed or memorandum of association of the builders firm

I am purchasing the house from a Cooperative Society, what documents I will need to submit to get a home loan?

  • Original share certificate of the Society
  • Allotment letter from the Society in your name
  • Copy of the lease deed, if executed
  • Certificate of the registration of the society
  • Copy of the byelaw’s of the Society
  • No objection certificate from the Society
  • 7/12 extract or property register card in the Society’s name
  • Copy of N.A permission for the land from the collector
  • Search Report and Title Certificate
  • Copy of order under the Urban Land Ceiling Act
  • Copy of the building plans sanctioned by a competent authority
  • Commencement certificate granted by Corporation
  • The latest receipts of taxes paid for the property
  • Original Agreement to assign / Deed of assignment

What documents I will need, if I am constructing house on my own land?

  • Original sale deed of land and extract of Index II
  • 7/12 extract or property register card in your name
  • Copy of N.A. permission for land from the collector
  • Search and title report
  • Copy of tax paid under Urban Land Ceiling Act ( obtained from Commissionerate of Urban Land Ceiling and Urban Land Tax )
  • Copy of the building plans sanctioned by a competent authority
  • Building permission granted by the Corporation
  • The latest receipts of taxes paid for your land
  • Estimate of the cost of construction certified by the architect

What are the documents that need to submitted for disbursement of a home improvement loan?

  • Title deeds for the past of 13 years
  • Encumbrance certificate for the past 13 years ‘Khata’ certificate
  • Most recent tax receipts for the property
  • Approved plan
  • License for the extension
  • Cost estimate from a qualified engineer
  • Cost estimate from the architect

HDFC LTD Home Loan Interest RatesUpdated on 24 April 2014

Details of HDFC LTD Home Loan

HDFC Home Loan Interest Rate.(Monthly reducing balance)
10.5% to 11.25% floating
RPLR is currently 16.5%. Check Customized Interest Rates Now!
Processing Fees
0.5% of the loan amount, capped at Rs. 10,000
Prepayment Fees
No Fee
HDFC Home Loan Preclosure Fee
Floating offer (ARHL): No Fee
Fixed offers (FRHL): No Fee if closed through own funds. If closed via Balance Transfer, a charge of 2% of outstanding amount (including all amounts prepaid in same financial year) will be applicable.
HDFC Home Loan Amount Funded
Up to 85% of property value
HDFC Home Loan Tenure
1 year to 20 years
Guarantor Requirement
Guarantor is not required

Home Loan Articles

  • All about home improvement loans!
    Most people who buy a home through a home loan are often left with little cash to carry out any further improvements in the house as per their requirements. Some opt for personal loans in order to make good this requirement.
  • Essentials before you take a home loan!
    Every financial institution which deals in home loans has a specified set of requirements which are to be met by a borrower. When a borrower is found to be eligible for the loan, only then he is granted the amount applied for.
  • Home loan document checklist for self-employed!
    Getting a home loan approval can be a long and tiresome process especially if you are a self-employed professional or business owner. This is because many banks doubt business men for job continuity, as they are free to quit their jobs at any time. 
  • Have more questions on loans? Ask us now!
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HDFC LTD  Home Loan Reviews
Customer Reviews
Page 1 of 15 1 2 3 4 5
  • 'Good job'
    /images/customer_review/default-unknown-person.png
    ANOOP SRIVASTAVA, chandigarh
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    5.0/5
    (1)

    HDFC LTD is one of the best bank in the market to opt home loan,though my friends suggested me i have opted loan from HDFC LTD. But initially i felt their response was not too good they asked me to provide triparty aggrement ,any how i managed and provide them all relevant documents otherwise am really happy that i got my home loan disbursal on time.

    Was this review helpful? Yes

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    Thanks, you've already rated this review

    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Home Loan from HDFC LIMITED Reviewed on
  • Amazing job
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    VISWA REDDY, hyderabad
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (0)

    When compared with other bank i would say HDFC LTD rate of interest was quite ok,but at the same time processing fee was pretty high when compared with SBI and HSBC and it will be good if they work on it. Its good that they don't have hidden charges and they do provide with accurate information too.

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    Promised Interest Rate
    Fees & Charges
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    Responsiveness
    took a Home Loan from HDFC LIMITED Reviewed on
  • Virtuous Service
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    SACHIN BHAGAT SHESHARAO BHAGAT, mumbai
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.5/5
    (1)

    I choose HDFC LTD because of their quick service and within the time limit they have disbursed my loan. HDFC LTD was very transparent and their communication was really good,but am pretty disappointed when they asked me to provide 'n' number of documents like property mortgage paper etc..otherwise overall it was nice experience.

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    Fees & Charges
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Mind blowing service
    /images/customer_review/default-unknown-person.png
    LAKSHMI NARAYAN DAS, delhi
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    5.0/5
    (0)

    HDFC LTD was good in terms of customer service,they do response on resolving customer queries and its good that they came to collect documents to my door step,instead of going to the branch directly its quite good to deal with HDFC LTD . But am pretty upset on their rate of interest part,initially they committed me for 10.15% but finally it was 10.25% tats ok because it doesn't make much difference. Overall am really happy with HDFC LTD.

    Was this review helpful? Yes

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC LIMITED Reviewed on
  • Virtuous Service
    /images/customer_review/default-unknown-person.png
    ANINDYA SUNDAR CHAKRABARTY, delhi
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    5.0/5
    (2)

    HDFC LTD customer service and rate of interest was good. But i feel their processing fee amount is quite high when compared with other bank and it will be good if they work on it,otherwise overall am quite happy with their instant response...

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    Promised Interest Rate
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Good service
    /images/customer_review/default-unknown-person.png
    VENKATACHALAPATHI V, coimbatore
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (0)

    HDFC LTD customer service and rate of interest was good. But am pretty disappointed because they have informed me about their insurance procedure at the time of loan disbursement,suppose i was forced to take insurance and i have submitted my documents twice. Apart from that i would say their prompt response was good enough and am very happy to deal with them.

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    Promised Interest Rate
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Overall my experience at HDFC LTD was OK.
    /images/customer_review/default-unknown-person.png
    Arun, bangalore
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    3.5/5
    (0)

    I had requested for loan transfer but the relationship manager was not tat much responsive. I wanted to transfer my loan from Bangalore to Pune. However, the RM was not at all responsive and I had to request him twice to initiate the process, delaying my disbursal by a week. This caused me immense inconvenience. However, once transferred, my disbursal process was very smooth and the executives in Pune were very helpful and responsive.

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    Promised Interest Rate
    Fees & Charges
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Virtuous Service
    /images/customer_review/default-unknown-person.png
    HARSHAL PATIL, mumbai
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (2)

    HDFC LTD customer service and rate of interest was good. But they took much time to disburse my loan i was pretty upset on that apart from that i like their documentation process overall it was good to deal with HDFC LTD.I will recommend HDFC LTD to my friends an colleague.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC LIMITED Reviewed on
  • Good service
    /images/customer_review/default-unknown-person.png
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (3)

    HDFC LTD customer service and rate of interest was low when compared to others in the market. But i feel they do not have proper interaction among internal team and they must work towards responding to their customers on time. It would be nice there process time is little more fast. Overall nice!

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    Fees & Charges
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    Responsiveness
    took a Home Loan from HDFC LIMITED Reviewed on
  • Amazing Experience
    /images/customer_review/default-unknown-person.png
    MIRZA ARSHAD BAIG, nasik
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (0)

    I like HDFC LTD in terms of their timely response and their approach towards customer was on a positive node was good. It will be good if HDFC LTD work on rate of interest and when compared with other bank HDFC LTD rate of interest,fees and charges are high otherwise am quite happy that i had a wonderful experience with them.

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    Promised Interest Rate
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Good experiance at HDFC LTD
    /images/customer_review/default-unknown-person.png
    DEEPAK JADHAV, mumbai
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    3.5/5
    (1)

    HDFC LTD was good in terms of documentation and fulfilling customer requirement and Bankbazaar was user friendly and quite possible for me to access,even i got call from them with in a moment and overall it was good!!!!!!!!!!!!!!!!!!!!!

    Was this review helpful? Yes

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    Fees & Charges
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Very Nice Experiance
    /images/customer_review/default-unknown-person.png
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (0)

    When compared with other bank HDFC LTD rate of interest was pretty high but i like their customer service and response was good. HDFC LTD was good in terms of documentation and fulfilling customer requirement overall i had good experience with HDFC LTD.

    Was this review helpful? Yes

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC LIMITED Reviewed on
  • Good experiance at HDFC LTD
    /images/customer_review/default-unknown-person.png
    MOHAMMED SATTAR SHARIF, hyderabad
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (0)

    I like HDFC LTD because they were taking care of customer, in terms of calling customer frequently to know about their property details and even bankbazaar was user friendly,informative and easy to access!!!!!!!!...................

    Was this review helpful? Yes

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    Promised Interest Rate
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Good Response
    /images/customer_review/default-unknown-person.png
    DHARMVEER VISHWAKARMA , kolkata
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    5.0/5
    (0)

    My experience with HDFC LTD was good, they gave prompt service and executive co-operated well by doing a good follow up.Rate of interest and processing fee is normal like other banks.My suggesting is HDFC Ltd must try to lower the rate of interest in order to retain the customer.

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    Fees & Charges
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Good Response
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    STEPHEN WILLIAMS, chennai
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    5.0/5
    (0)

    HDFC LTD is overall good. They have done a very good follow for my case via calls & mails.Executive was very co-operative and everything regarding the loan process was communicated very clearly and in detail. Their response was good even when I requested them to cancel the loan. HDFC LTD sent a confirmation mail stating that the loan process is stopped basis the request given which most of the banks fail to do.

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    Promised Interest Rate
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Very nice experiance
    /images/customer_review/default-unknown-person.png
    RAGESH R M, bangalore
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    5.0/5
    (2)

    HDFC LTD was good in terms of documentation and fulfilling customer requirement,though i have postponded my plan i couldn't avail loan at that point of time but,otherwise i like their rate of interest and happy to deal with HDFC LTD!!!!!!!

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    Promised Interest Rate
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Good experiance at HDFC LTD
    /images/customer_review/default-unknown-person.png
    SANDEEP GEDAM, mumbai
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (1)

    HDFC LTD was good in terms of documentation and fulfilling customer requirement,though i have postponeded my plan i couldn't avail loan at that point of time but,am pretty disappointed that HDFC LTD failed to inform me about fees and charges,apart from that everything was fine with HDFC LTD and bankbazaar website was user friendly and quite possible for me to access,even i got call from them with in a moment and overall it was good.

    Was this review helpful? Yes

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    Fees & Charges
    Promised Interest Rate
    Customer Service
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Simple Process
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    RUPALI RAVI KANSE, mumbai
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    5.0/5
    (1)

    It was nice to get my home loan processed from HDFC LTD.I got a call immediately from their representative and documents were collected on time.They disbursed the loan within 1 month which i think is a normal process when compared with other banks. Customer service was good and I am satisfied with the rate of interest provided by HDFC LTD.Overall services was good with easy documentation process.

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    took a Home Loan from HDFC LIMITED Reviewed on
  • Good Customer Support
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    DEVRISHI TIWARI, indore
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    (0)

    HDFC LTD is overall good and the loan processing was done on time.Everything is perfect with them except the documentation part as they asked for detailed documents from me for each and everything and those arranging those documents would at least take minimum 20 days.It was a crucial time for me when i was trying to arrange these documents.Customer service was really awesome as the executive reached me on time and gave a good guidance on the home loan process. HDFC LTD's rate of interest is very normal like other banks and I am completely satisfied.

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    Promised Interest Rate
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    took a Home Loan from HDFC LIMITED Reviewed on
  • Good Response
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    AVINASH MONDAL, bangalore
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    5.0/5
    (2)

    My overall experience was good. They immediately responded to my request and made so many calls and did continuous follow up . They were very interested in processing the loan for me but i declined the loan as the deal was not working out. I approached HDFC LTD via bankbazaar and they also provided good services. The website is good and user friendly.

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    Promised Interest Rate
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    took a Home Loan from HDFC LIMITED Reviewed on
Customer Reviews
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