HDFC offers eligible customers plot loan with interest rates ranging from 7.05% p.a. to 8.10% p.a. The maximum amount of the loan offered can be 80% of the property cost. The processing fee ranges from 0.50% to 1.50% of the loan amount, excluding applicable taxes. The repayment period is up to 15 years. The plot loans offered by HDFC is applicable to both self-employed and salaried individuals and comes with attractive interest rates to turn their dream home into reality.
Self-employed individuals can apply for this loan if he/she is looking to:
Purchase a plot that is being resold
Purchase a plot through direct allotment in a housing society or a developer project
Transfer his/her outstanding loan amount availed from another financial institution
Customised repayment options offered to the borrower depending on the loan amount, loan tenure and interest rates provided by the bank.
Attractive interest rates offered on the plot loans to make it affordable for the applicants.
No hidden costs charged on the loan.
Who can apply HDFC plot loans self-employed?
Individuals can apply for this loan on their own or collectively. The co-applicants for the plot loans must be the proposed owners of the plot. Co-applicants generally comprise of family members and need not be co-owners of the property.
Loan term
The maximum tenure up to which one can distribute his payments for his/her loan is 15 years.
The loan term depends on the repayment scheme the applicant has opted for.
The customer’s profile, age of the plot at the time of loan maturity, age of the customer at the time of loan maturity also play a role in deciding the loan term.
Maximum loan amount
Loan Amount
Maximum Funding
Up to Rs.30 lakh
80% of the property price*
Rs.30.01 lakh to Rs.75 lakh
80% of the property price*
Over Rs.75 lakh
75% of the property price*
*The maximum funding of the loan can be restricted to 70% of the property cost, if the property is situated outside city limits.
Type of plot loans self-employed:
TruFixed Home Loan - 2/3 Year Fixed Rate Variant
This loan provides customers a part adjustable rate term and a part fixed rate term. Under the TruFixed Home Loan, the applicant can avail fixed rate up to 2/3 years, after which the loan will change to an adjustable rate loan automatically, summing up to a total of a 15-year loan term.
Adjustable Rate Loan
The adjustable rate plot loan is linked to HDFC’s Retail Prime Lending Rate (RPLR). The interest rate on the loan is revised once in every three months if there is a change in the RPLR, taking the date of the first disbursement into account. A rise in the interest rate will result an increase in the EMI’s interest component which in turn will reduce the principal component. This will extend the loan term, and vice versa, in cases where the interest rate drops.
HDFC Plot Loan Interest Rates For self-employed professionals
Adjustable Home Rate Loan
The Retail Prime Lending Rate for self-employed professionals stands at 16.20%
Loan Slab
Home Loan Interest Rates (% p.a)
For women* (up to 30 lakh)
7.05 to 7.55
For others* (up to 30 lakh)
7.10 to 7.60
For women* (above 30 lakh)
7.30 to 7.80
For others* (above 30 lakh)
7.35 to 7.85
For Women* (75.01 Lakhs & Above)
7.40 to 7.90
For Others*(75.01 Lakhs & Above)
7.45 to 7.95
*The interest rates are applicable only for loans under the Adjustable Rate Home Loan Scheme of HDFC and can be revised at the time of disbursement.
TruFixed Loan - 2 Year Fixed Rate Variant
The Retail Prime Lending Rate (RPLR) stands at 16.20%
Loan Slab
Home Loan Interest Rates (% p.a.)
For Women* (upto 30 Lakhs)
7.50 to 8
For Others* (upto 30 Lakhs)
7.55 to 8.05
For Women* (Above 30 Lakhs)
7.65 to 8.15
For Others* (Above 30 Lakhs)
7.70 to 8.20
For Women* (75.01 Lakhs & Above)
7.75 to 8.25
For Others*(75.01 Lakhs & Above)
7.80 to 8.30
HDFC plot loan interest rates for self-employed non-professionals
Adjustable Rate Home Loan
The Retail Prime Lending Rate (RPLR) stands at 16.20%
Loan Slab
Interest Rates (% p.a.)
For Women* (Upto 30 Lakhs)
7.20 to 7.70
For Others* (Upto 30 Lakhs)
7.25 to 7.75
For Women* (Above 30 Lakhs)
7.45 to 7.95
For Others* (Above 30 Lakhs)
7.50 to 8
For Others (75.01 Lakhs & Above)
7.60 to 8.10
TruFixed Loan - 2 Year Fixed Rate Variant
The Retail Prime Lending Rate for self-employed non-professionals holds at 16.20%
Loan Slab
Interest Rates (% p.a.)
For Women* (upto 30 Lakhs)
7.65 to 8.15
For Others* (upto 30 Lakhs)
7.70 to 8.20
For Women* (Above 30 Lakhs)
7.80 to 8.30
For Others* (Above 30 Lakhs)
7.85 to 8.35
For Women* ( 75.01 Lakhs & Above)
7.90 to 8.40
For Others*( 75.01 Lakhs & Above)
7.95 to 8.45
HDFC plot loan documents required for self-employed
Here are the documents you will have to submit for all the applicants and co-applicants along with the signed application form for the approval of your loan:
Purpose
Documents
Proof of identity and residence (Any 1)
Voter ID Card
Valid Driving Licence
Aadhaar Card
Valid Passport
Proof of income
Income Tax Returns (ITR) along with computation of income for the previous three assessment years.
Savings account statements of the individual and current account statements of the business entity for the last six months
Balance sheet and Profit and Loss account statements with schedules/annexures
(Documents of both the individual and the business entity should be attested by attested by a CA for points 2 and 3)
Other documents
Business profile
Latest Form 26AS
List of directors and shareholders with their individual shareholding certified by a CS/CA in case of the business entity being a company
Memorandum and Articles of Association of the company
Partnership deed if the business entity is a partnership firm
Details of outgoing loans of the individual and the business entity with the outstanding amount, instalments, security, purpose, balance loan term, etc.
Cheque for processing fee favouring HDFC Ltd.
Passport size photograph of the applicants/co-applicants on the application form and signed across
Own contribution proof
Property related documents
Allotment letter/ buyer agreement copy
Title deeds in case of a resale with previous property documents
HDFC plot loan fees and charges for self-employed
Processing fees:
For self-employed professionals: Rs.3,000 or up to 0.50% of the loan amount whichever is higher, and other additional applicable taxes.
For self-employed non-professionals: Rs.4,500 or up to 1.50% of the loan amount whichever is higher, and other additional applicable taxes.
Prepayment charges:
Adjustable Rate Home Loans (ARHL)
Adjustable Rate Loans (ARHL):
No prepayment charges will be payable on account of full/part payments for loans sanctioned to individual borrowers.
For loans sanctioned to individual borrowers with firm, company, etc. as a co-applicant. Prepayment charges at 2% plus taxes, as may be applicable from time to time, of the amount being prepaid, are payable.
The customer will have to submit documents that HDFC deems fit and proper to confirm the source of funds at the time of prepayment of the loan.
Fixed Rate Home Loans (FRHL)
Fixed Rate Loans (FRHL)
No prepayment charges will be applicable for part/full payments made from own sources i.e., sources other a bank/NBFC/HFC or financial institutions
The customer should submit documents that HDFC sees fit and proper to determine the source of funds.
Prepayment charges will be 2% plus taxes and statutory levies and charges of the outstanding amounts being so prepaid through any financial institution or any bank and will be applied to all full/ partial prepayments.
Fixed and Variable Rate Loans (Combination rate)
Fixed and Variable Rate Loans (Combination rate)
During the Fixed Rate period:
The prepayment charges will be 2%, plus applicable taxes and statutory charges and levies of the outstanding amount being so prepaid through refinance from financial institutions or any banks and will be applicable to all partial/full prepayments.
The customer must submit documents that HDFC approves to confirm the source of funds at the time of prepayment of the loan.
During Variable Rate period:
No prepayment charges will be applicable on account of full/partial prepayments for loan sanctioned to individual borrowers.
For loans sanctioned to individual borrowers with firm, company, etc. as a co-applicants. Prepayment charges at 2% plus taxes and statutory charges, as may be applicable from time to time, of the amount being prepaid are payable.
The prepayment charges mentioned will be applicable the date of execution of the loan agreement. However, the charged are subject to change from time to time depending on the prevailing policies of HDFC. Customers can refer www.hdfc.com for the current charges applicable on prepayments.
Conversion fees:
HDFC bank offers its existing customers the privilege of conversion facility to bring down applicable interest rates on the loan by switching between schemes. One can utilise this facility by paying a fee and choose to either reduce the loan tenure or the EMI. Here are the options of conversions available for the existing HDFC customers:
Name of the service/product
Name of the charge/fee levied
When payable
Frequency
Amount in rupees
Switch to lower rate in Variable Rate Loans (Housing/improvement/extension)
Conversion fees
On conversion
On every spread change
Up to 50% of the principal outstanding and undisbursed amount at the time of conversion or a cap Rs.50,000 plus taxes whichever is lower.
Switching to Variable Rate Loan from Fixed Rate Loan (Housing/improvement/extension)
Conversion fees
On conversion
Once
Up to 50% of the principal outstanding and undisbursed amount at the time of conversion or a cap Rs.50,000 plus taxes whichever is lower.
Switching from Trufixed Fixed Rate to Variable Rate Loan
Conversion fees
On conversion
Once
1.75% of the principal outstanding and undisbursed amount plus taxes at the time of conversion.
Switch to Lower Rate (Non-Housing Loans)
Conversion fees
On conversion
On every spread change
Half of the spread difference on the principal outstanding and undisbursed amount plus taxes, with a minimum fee of 0.5% and a maximum fee of 1.50%.
Switch to Lower Rate (Non-Housing Loans)
Conversion fees
On conversion
On every spread change
0.5% of principal outstanding and undisbursed amount plus taxes at the time of conversion.
Fees on account of external opinion: The external opinion can be either from technical valuers or advocates and the fees can be paid directly to the concerned person depending on the kind of assistance rendered.
Property insurance: The customer should regularly pay the premium amounts directly to the insurance provider to keep the policy active during the loan tenure.
Incidental charges: Incidental charges and expenses are imposed to cover for the charges, cost and other expenses that may have been utilised to recover dues from a defaulting customer.
Statutory/regulatory charges: The customer will be solely responsible for all charges applicable on stamp duty/MOD/MOE/Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI). One can refer to www.cersai.org.in for all such charges.
List of documents: Up to Rs.500
Photocopy of documents: Up to Rs.500
Increase/decrease in loan term: Up to Rs.500 plus applicable loan term
Disbursement cheque cancellation charge post disbursement: Up to Rs.200
Re-appraisal of loan after 6 months from sanction: Up to Rs.2000 plus applicable taxes
PDC swap: Up to Rs.200
HDFC plot loans for salaried individuals
Salient Features
Salaried individuals can apply for this loan if he/she is looking to:
Purchase a plot that is being resold
Purchase a plot through direct allotment in a housing society or a developer project
Transfer his/her outstanding loan amount availed from another financial institution
Customised repayment options offered to the borrower depending on the loan amount, loan tenure and interest rates provided by the bank.
Attractive interest rates offered on the plot loans to make it affordable for the applicants.
No hidden costs charged on the loan.
Who can apply HDFC plot loans for salaried individuals?
The loan can be applied either individually or collectively. The co-applicants for the plot loans must be the proposed owners of the plot. Co-applicants generally comprise of family members and need not be co-owners of the property.
Loan term
The maximum tenure up to which one can distribute his payments for his/her loan is 15 years.
The loan term depends on the repayment scheme the applicant has opted for.
The customer’s profile, age of the plot at the time of loan maturity, age of the customer at the time of loan maturity also play a role in deciding the loan term.
Maximum loan amount
Loan Amount
Maximum Funding
Up to Rs.30 lakh
80% of the property price*
Rs.30.01 lakh to Rs.75 lakh
80% of the property price*
Over Rs.75 lakh
75% of the property price*
*The maximum funding of the loan can be restricted to 70% of the property cost, if the property is situated outside city limits.
Type of plot loans for salaried individuals:
TruFixed Home Loan - 2/3 Year Fixed Rate Variant:
This loan provides customers a part adjustable rate term and a part fixed rate term. Under the TruFixed Home Loan, the applicant can avail fixed rate up to 2/3 years, after which the loan with change to an adjustable rate loan automatically, summing up to a total of 15 years loan term.
Adjustable Rate Loan:
The adjustable rate plot loan is linked to HDFC’s Retail Prime Lending Rate (RPLR). The interest rate on the loan is revised once in every three months if there is a change in the RPLR, taking the date of the first disbursement into account. A rise in the interest rate will result an increase in the EMI’s interest component which in turn will reduce the principal component. This will extend the loan term, and vice versa in cases where the interest rate drops.
HDFC plot loan interest rates for salaried individuals
Adjustable Home Rate Loan
The Retail Prime Lending Rate for salaried individuals stands at 16.20%
Loan Slab
Home Loan Interest Rates (% p.a.)
For Women* (Upto 30 Lakhs)
7.05 to 7.55
For Others* (Upto 30 Lakhs)
7.10 to 7.60
For Women* (Above 30 Lakhs)
7.30 to 7.80
For Others* (Above 30 Lakhs)
7.35 to 7.85
For Women* (75.01 Lakhs & Above)
7.40 to 7.90
For Others*(75.01 Lakhs & Above)
7.45 to 7.95
*The interest rates are applicable only for loans under the Adjustable Rate Home Loan Scheme of HDFC and can be revised at the time of disbursement.
TruFixed Loan - 2 Year Fixed Rate Variant
The Retail Prime Lending Rate (RPLR) stands at 16.20%
Loan Slab
Home Loan Interest Rates (% p.a.)
For Women* (upto 30 Lakhs)
7.50 to 8
For Others* (upto 30 Lakhs)
7.55 to 8.05
For Women* (Above 30 Lakhs)
7.65 to 8.15
For Others* (Above 30 Lakhs)
7.70 to 8.20
For Women* (75.01 Lakhs & Above)
7.75 to 8.25
For Others*(75.01 Lakhs & Above)
7.80 to 8.30
HDFC plot loan documents required for salaried individuals
Here are the documents you will have to submit for all applicants and co-applicants along with the signed application form for the approval of your loan:
Purpose
Documents
Proof of identity and residence (Any 1)
Voter ID Card
Valid Driving Licence
Aadhaar Card
Valid Passport
Proof of income
Latest Form 16 and Income Tax Returns
Last six months’ bank statements, showing salary credits
Last three months’ salary slips
Other documents
Own contribution proof
Last six months’ bank statements showing repayment of any ongoing loans.
Employment contract/appointment letter in case current employment is less than a year old
Cheque for processing fee favouring HDFC Ltd.
Passport size photograph of all the co-applicants/applicants to be affixed on the application form and signed across
Property related documents
Allotment letter/ buyer agreement copy
Title deeds in case of a resale with the previous chain of the property documents
HDFC plot loan fees and charges for salaried individuals
Given below is the list of fees/charges/other outgoings that can be payable depending on the type of loan applied for.
Processing fees: For self-employed professionals, Rs.3,000 or up to 0.50% of the loan amount whichever is higher, and other additional applicable taxes.
Prepayment charges:
Adjustable Rate Home Loans (ARHL)
Adjustable Rate Loans (ARHL):
No prepayment charges will be payable on account of full/part payments for loans sanctioned to individual borrowers.
For loans sanctioned to individual borrowers with firm, company, etc. as a co-applicant. Prepayment charges at 2% plus taxes, as may be applicable from time to time, of the amount being prepaid are payable.
The customer will have to submit documents that HDFC deems fit and proper to confirm the source of funds at the time of prepayment of the loan.
Fixed Rate Home Loans (FRHL)
Fixed Rate Loans (FRHL)
No prepayment charges will be applicable for part/full payments made from own sources i.e., sources other a bank/NBFC/HFC or financial institutions
The customer should submit documents that HDFC sees fit and proper to determine the source of funds.
Prepayment charges will be 2% plus taxes and statutory levies and charges of the outstanding amounts being so prepaid through any financial institution or any bank and will be applied to all full/ partial prepayments.
Fixed and Variable Rate Loans (Combination rate)
Fixed and Variable Rate Loans (Combination rate)
During the Fixed Rate period:
The prepayment charges will be 2%, plus applicable taxes and statutory charges and levies of the outstanding amount being so prepaid through refinance from financial institutions or any banks and will be applicable to all partial/full prepayments.
The customer must submit documents that HDFC approves to confirm the source of funds at the time of prepayment of the loan.
During Variable Rate period:
No prepayment charges will be applicable on account of full/partial prepayments for loan sanctioned to individual borrowers.
For loans sanctioned to individual borrowers with firm, company, etc. as a co-applicants. Prepayment charges at 2% plus taxes and statutory charges, as may be applicable from time to time, of the amount being prepaid are payable.
The prepayment charges mentioned will be applicable from the date of execution of the loan agreement. However, the charged are subject to change from time to time depending on the prevailing policies of HDFC. Customers can refer www.hdfc.com for the current charges applicable on prepayments.
Conversion fees: HDFC bank offers its existing customers the privilege of conversion facility to bring down applicable interest rates on the loan by switching between schemes. One can utilise this facility by paying a fee and choose to either reduce the loan tenure or the EMI. Here are the options of conversions available for the existing HDFC customers:
Name of the service/product
Name of the charge/fee levied
When payable
Frequency
Amount in rupees
Switch to lower rate in Variable Rate Loans (Housing/improvement/extension)
Conversion fees
On conversion
On every spread change
Up to 50% of the principal outstanding and undisbursed amount at the time of conversion or a cap Rs.50,000 plus taxes whichever is lower.
Switching to Variable Rate Loan from Fixed Rate Loan (Housing/improvement/extension)
Conversion fees
On conversion
Once
Up to 50% of the principal outstanding and undisbursed amount at the time of conversion or a cap Rs.50,000 plus taxes whichever is lower.
Switching from Trufixed Fixed Rate to Variable Rate Loan
Conversion fees
On conversion
Once
1.75% of the principal outstanding and undisbursed amount plus taxes at the time of conversion.
Switch to Lower Rate (Non-Housing Loans)
Conversion fees
On conversion
On every spread change
Half of the spread difference on the principal outstanding and undisbursed amount plus taxes, with a minimum fee of 0.5% and a maximum fee of 1.50%.
Switch to Lower Rate (Non-Housing Loans)
Conversion fees
On conversion
On every spread change
0.5% of principal outstanding and undisbursed amount plus taxes at the time of conversion.
Fees on account of external opinion: The external opinion can be either from technical valuers or advocates and the fees can be paid directly to the concerned person depending on the kind of assistance rendered.
Property insurance: The customer should regularly pay the premium amounts directly to the insurance provider to keep the policy active during the loan tenure.
Charges on account of delayed payments: The customer is liable to pay additional interests up to 24% p.a in case the payment of interest or EMI has been delayed.
Incidental charges: Incidental charges and expenses are imposed to cover for the charges, cost and other expenses that may have been utilised to recover dues from a defaulting customer.
Statutory/regulatory charges: The customer will be solely responsible for all charges applicable on stamp duty/MOD/MOE/Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI). One can refer to www.cersai.org.in for all such charges.
List of documents: Up to Rs.500
Photocopy of documents: Up to Rs.500
Increase/decrease in loan term: Up to Rs.500 plus applicable loan term
Disbursement cheque cancellation charge post disbursement: Up to Rs.200
PDC swap: Up to Rs.200
Re-appraisal of loan after 6 months from sanction: Up to Rs.2000 plus applicable taxes
HDFC Plot Loan FAQ
I want to avail plot loan from HDFC, how can I apply for the same?
Firstly, you need procure a plot loan application form from the nearest HDFC branch. The same can also be downloaded from the bank’s official portal. Fill the form duly and submit it along with the required documents and processing fee cheque at any HDFC branch.
I want to repay my loan earlier than the schedule. Is that possible?
Yes, HDFC gives an option to borrowers to repay their loans ahead of the repayment schedule. Pay a lump sum towards part or full prepayment. Please note that this will be subject to the applicable prepayment charges. HDFC also offers a loan repayment scheme called ‘Accelerated Repayment Scheme’. This is a free-of-charge facility, provided by the bank, to speed up the process of your loan repayment. This option enables borrowers to repay their loan faster by providing them flexibility to increase the EMIs every year in proportion to their increase in income.
What is the procedure to repay my HDFC plot loan?
To ensure enhanced convenience of customers, HDFC provides multiple modes for repayment of loans. Customers can choose to issue standing instructions to ensure the payment of installments via ECS (Electronic Clearing System). Borrowers also have the liberty of choosing direct deduction of monthly installments (by the bank). The same can also be done by issuing post-dated cheques from the borrower’s bank account.
What are the determining factors, taken into account by HDFC, for deciding my loan amount eligibility?
HDFC determines the loan eligibility of each customer primarily by taking into account his/her income and loan repayment capacity. Various other crucial factors are the borrower’s age, qualification, number of dependents, assets & liabilities held, savings history, income of spouse (if applicable), and stability the borrowers of job/profession.
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HDFC people guided to take Pradhan Mantri scheme for the home loan. The amount was sanctioned of 25L and subsidiary amount of 2.67L. The tenure period of 20 years. An interest rate was fine of 8.5%. Pre closure is applicable with nominal charge. The process was good hence they have sanctioned the loan within 20 days. EMI need to pay of 22413 rupees.
I got home loan offer from HDFC Limited on one year back. I applied via online, the amount was sufficient with tenure period of 15 years. The rate of interest is moderate. I took this loan to buy an apartment. EMI need to pay of 36K. Pre closure is applicable but there is locking period of 6 months. Their service is good.
I have taken home loan directly through Hdfc Ltd.The rate of interest and the processing fee was nominal.This loan was processed on faster basis without any hassles.The agent gave a clear picture about the loan process .There was proper notification from bank end and i am satisfied with the service .
In HDFC, they were forcing me to taking a home insurance when i availed my home loan. Its just because of my landlord person since he was having their existing loan with HDFC hence have continued the same. They have offered me an interest rate of 9.25% and i need to pay the EMI amount of Rs. 10000 for the loan amount of Rs. 10 lakhs.
I have taken home loan directly through HDFC LTD .The rate of interest and the processing fee was very high .This loan got sanctioned on time but the service was not upto the mark. This loan is active and they haven't inform me about the interest rates since I was busy.
Absolutely don't go to hdfc for an NRI home loan. They are bunch of incompetent unhappy employees who don't have a clue on what they are supposed to be doing. They can't understand even a simple bank statement from a US bank. Don't waste your time. Go to one of the other Banks in India. After asking for a ton of documents and wasting 2 months of my time, I withdrew my loan application and paid the builder from my own funds. Every other day, I get an email asking to call and the person I am looking for is never available to take my call. They take a message over the photo but never call back. By far the worst bank for NRI home loans in my opinion. Funny thing is I had taken an NRI home loan from hdfc in the past and paid off the loan 5 years ahead of time. Between myself and my wife we make a decent amount of money. We own 7 independent homes in USA and 5 more in India. We get a rent of more than Rs 1 lakh in India per month which is more than enough for the EMI. Totally avoid this bank
I have applied for HDFC Ltd home loan through online .I was working in Cochin and my native was Patna so need loan on Patna since residing in Cochin at that time unable to get the loan .The rate of interest was very high and the agent gave all the information about the loan process as well as got proper response .
I have taken home loan directly through HDFC LTD .The rate of interest and the processing fee was really good .The home loan process was clearly explained by the agent .I have got this loan without any delay . Overall am really satisfied with the service so far .
I have my housing loan from HDFC because documentation process was easy and I can check everything on their net banking. On their portal, they have a option to change the interest rate for that there will be a extra charges based on the credit i have and they will decide the interest rate based on the customer profile. The process is so simple. Whatever the requirement is there for me I can do it on my own through net banking.
HDFC provides the worst customer care ever. I had tried applying for a home loan from them and it is been more than 4 months and still the process has not been completed. Called them up multiple times from UK but very bad response. They showed much eager to obtain 12,000Rs from me for processing fee but no amount of effort was put forth from them. The manager nor the executive mentioned about a Power of attorney/ Notary service, only after me inquiring with my friends who have taken similar loans, I came to know about these mandatory documents for NRI. Again Mr.Abhilash and Mr.AkhilRaj acted as if it was my issue and they were not bothered. I sent all the documents to them via mail from UK 3 weeks back and till date they didn't respond whether they have received it or not. I called them everyday from UK waiting my time, energy and money. The anxiety they showed towards 12,000rs processing fee got over once I sent them the cash. My registration is not completed. For nearly 5 months, I
I have taken home loan through HDFC LTD directly .I have taken this loan before 15 years .I am not sure about rate of interest since availed long back ,I have got the loan on time and without any drawbacks closed this loan successfully.The loan process was clearly discussed by the agent am fully satisfied with their service
theybhelped me transfer my loan. they r much focussed on small documents and delayed due to it but deliveredat last. got my emi reduced by 3000/- approx. the agent concerned was verybhelpful and collected all details from my home. it was actually home based home loan.
My home loan was taken from HDFC Limited but the rate of interest was nominal. The interest rate was 10.8% when I took the loan and it will be good if I get an offer around 8%. Pre closure is there, but i am not sure about the charges and i am paying EMI of Rs.20280 with the tenure of 15 years.
I have taken home loan through HDFC in the year of 2014.The rate of interest was very nominal and have processed due to my requirements.The rate of interest was 10.25% and the EMI of 22210 and there is a no processing fee. Documentation process was simple, executive collected the documents.
My home loan was availed through HDFC Ltd.I have completed successfully one year now.This loan was sanctioned on time without any delay.The agent shared all the details about the loan process ,The loan process was clearly shared by the agent ,This loan is still active on my account ,I have not yet undergone any drawbacks until i received the loan.
I am very much comfortable with HDFC limited and I have taken a home loan to purchase the constructed property. I have applied through bank executive and the process was easy and quick. They offer with the rate of interest around 8.75% floating.
I have taken a home loan from HDFC Limited before 3 years. Loan amount is 37 lakhs with the interest rate of 8.75% floating. It is a pathetic service according to the change interest rate. If the rate is reduced they will not change it, I need to contact customer support and mail them to get back my money. It is increased will be done automatically without any notification regarding the EMI amount.
I have taken the home loan from HDFC Limited when i purchased the house. There is no requirement to call the customer care because i used to resolve the issue in app. but the interest rates are very high since my builder has a tied up with HDFC and i have no other option so that i went with them. They do have a part payment and pre-closure facility without having any additional charges.
I have taken home loan directly through HDFC LIMITED.The rate of interest and the processing fee was quite nominal. This loan was sanctioned within 12 working days loan is still active and i have submitted the required documents as well .If EMI is paid on delay basis there will not be extra charges and there is no cheque bounces till date.
Chosen my home loan from HDFC because of the low rate of interest. I bought the loan amount of Rs. 30 lakhs and they took around 1 month to sanctioned this loan. They have provided me an interest rate of 8.9%. I have been paying the EMI amount of Rs. 28000 per month for the duration of 20 years.
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