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  • HDFC Plot Loan

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  • HDFC offers eligible customers plot loan with interest rates ranging from 8.60% p.a. to 9.45% p.a. The maximum amount of the loan offered can be 70% of the property cost. The processing fee for self-employed professionals is Rs.3,000 or up to 0.50% of the loan amount whichever is higher plus GST. For salaried individuals, the processing fee is Rs.4,500 or up to 1.50% of the loan amount whichever is higher plus GST. The repayment period is up to 10 years. 

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    We found 2 HDFC Plot Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    8.40% - 8.85% Floating
    Up to 0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    8.35% - 8.75% Floating
    Up to 0.5% (max. ₹11,800) One time fee
    5L - 10Crs
    1-30 Years
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know

    HDFC plot loans also known as HDFC land loans are loans offered to applicants who wish to build their own home. This loan can be the right choice for individuals who prefer purchasing a plot and constructing their house on it without having to make any compromises. 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.

    HDFC plot loans for self-employed individuals

    Salient Features

    • 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.20 lakh 90% of the property price*
    Rs.20.01 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 16.65%

    Loan Slab Home Loan Interest Rates (% p.a)
    For women* (up to 30 lakh) 8.70 to 9.20
    For others* (up to 30 lakh) 8.75 to 9.25
    For women* (above 30 lakh) 8.80 to 9.30
    For others* (above 30 lakh) 8.85 to 9.35

    *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 16.65%

    Loan Slab up to Rs.75 lakh Above Rs.75 lakh
    Home Loan Interest Rates (% p.a) 9.15 to 9.65% 9.20 to 9.70

    HDFC plot loan interest rates for self-employed non-professionals

    • Adjustable Rate Home Loan

    The Retail Prime Lending Rate (RPLR) stands at 16.65%

    Loan Slab up to Rs.75 lakh Above Rs.75 lakh
    Home Loan Interest Rates (% p.a) 9.15 to 9.65% 9.20 to 9.70
    • TruFixed Loan - 2 Year Fixed Rate Variant

    The Retail Prime Lending Rate for self-employed non-professionals holds at 16.65%

    Loan Slab Interest Rates (% p.a)
    For women* (up to 30 lakh) 8.75 to 9.25
    For others* (up to 30 lakh) 8.80 to 9.30
    For women* (above 30 lakh) 8.75 to 9.35
    For others* (above 30 lakh) 8.90 to 9.40

    *The above mentioned interest rates are applicable for home loans under the Adjustable Rate Home Loan Scheme of HDFC and may be revised at the time of disbursement.

    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)
    1. Voter ID Card
    2. Valid Driving Licence
    3. Aadhaar Card
    4. Valid Passport
    Proof of income
    1. Income Tax Returns (ITR) along with computation of income for the previous three assessment years.
    2. Savings account statements of the individual and current account statements of the business entity for the last six months
    3. 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
    1. Business profile
    2. Latest Form 26AS
    3. List of directors and shareholders with their individual shareholding certified by a CS/CA in case of the business entity being a company
    4. Memorandum and Articles of Association of the company
    5. Partnership deed if the business entity is a partnership firm
    6. Details of outgoing loans of the individual and the business entity with the outstanding amount, instalments, security, purpose, balance loan term, etc.
    7. Cheque for processing fee favouring HDFC Ltd.
    8. Passport size photograph of the applicants/co-applicants on the application form and signed across
    9. Own contribution proof
    Property related documents
    1. Allotment letter/ buyer agreement copy
    2. Title deeds in case of a resale with previous property documents

    HDFC plot loan fees and charges for self-employed

    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.

      • 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.
    • Cheque dishonour charges: Rs.200 (conditions apply)
    • 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 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.20 lakh 90% of the property price*
    Rs.20.01 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 16.65%

    Loan Slab Home Loan Interest Rates (% p.a)
    For women* (up to 30 lakh) 8.70 to 9.20
    For others* (up to 30 lakh) 8.75 to 9.25
    For women* (above 30 lakh) 8.80 to 9.30
    For others* (above 30 lakh) 8.85 to 9.35

    *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 16.65%

    Loan Slab up to Rs.75 lakh Above Rs.75 lakh
    Home Loan Interest Rates (% p.a) 9.15 to 9.65% 9.20 to 9.70

    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)
    1. Voter ID Card
    2. Valid Driving Licence
    3. Aadhaar Card
    4. Valid Passport
    Proof of income
    1. Latest Form 16 and Income Tax Returns
    2. Last six months’ bank statements, showing salary credits
    3. Last three months’ salary slips
    Other documents
    1. Own contribution proof
    2. Last six months’ bank statements showing repayment of any ongoing loans.
    3. Employment contract/appointment letter in case current employment is less than a year old
    4. Cheque for processing fee favouring HDFC Ltd.
    5. Passport size photograph of all the co-applicants/applicants to be affixed on the application form and signed across
    Property related documents
    1. Allotment letter/ buyer agreement copy
    2. 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.
    • Cheque dishonour charges: Rs.200 (conditions apply)
    • 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

    1. 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.

    1. 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.

    1. 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.

    1. 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 Plot Loan Reviews

    • HDFC Limited Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I had applied for home loan with HDFC limited on few months before, they have sanctioned a loan for 22 lakhs but due to some problem of my builder from my end I kept on hold for the loan process. They have detected for the processing fee of 11 thousands but they refunded 9 thousands rupees. The tenure of 15 years. Interest rate was nominal of 8.55%.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Oct 15, 2019
    • HDFC Limited
      HDFC Limited Home Loan
      "Good"
      0.5 4.0/5 "Great!"
      With HDFC limited I have taken home loan on 8 months before which was processed through them directly. They have approved for 8 lakhs but as of now I have taken only for 5 lakhs remaining 3 lakhs I will get later from their end. Due to shop will come in commercial loan so I have split the loan amount to get it. For the tenure of 15 years. The processing fee for 5000 rupees. The rate of interest 8.8%, they have sanctioned the loan within one month.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 15, 2019
    • HDFC Limited Home Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have balance transfer for a home loan with existing finance to HDFC LIMITED. One month before only I have a transfer of a loan. They have outstanding amount of 10 lakhs for the tenure period of 10 years. The rate of interest is 8.6% only for mortgage charges for 8 thousands need to pay for it.
      Was this review helpful? 1
      , goa
      Reviewed on Oct 04, 2019
    • HDFC Limited Home Loan
      "Customer friendly loan service"
      0.5 4.5/5 "Excellent!"
      HDFC was the only bank which is offering for the home loan in the area where i have purchased the house so i opted with HDFC LIMITED. I had applied the loan amount of Rs. 28 lakhs and the given interest rate is 8.5% and they charged me a processing fee of nominal one. I took the loan 3 years ago and they took 40 to 50 days to sanctioned the loan.
      Was this review helpful? 2
      , ambala
      Reviewed on Oct 01, 2019
    • HDFC Limited Home Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      I have completed my home loan with HDFC BANK before 3 years ago. I did foreclosure and that time the interest rate is not much. I bought a residential property and the loan procedure is very easy because my papers are strong and clear to proceed faster.
      Was this review helpful? 1
      , madurai
      Reviewed on Sep 29, 2019
    • HDFC Limited Home Loan
      "Easy process Loan"
      0.5 5.0/5 "Blown Away!"
      Took my home loan from HDFC and i got it 5 years back. My sister has referred me about the loan once i had applied, i got it immediately. I bought a loan amount of Rs. 8 lakhs for the tenure period of 15 years. Monthly i'm paying the EMI of Rs. 8200. They have sanctioned the loan in 1 week.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 18, 2019
    • HDFC Limited Home Loan
      "Good & Best"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan with HDFC BANK because the branch is very near to my place and the responsiveness was good. The rate of interest is okay and they have charged me a processing fee. The loan tenure is 240 months and its ongoing. The documents are submitted to the executive.
      Was this review helpful? 3
      , bangalore
      Reviewed on Sep 16, 2019
    • HDFC Limited Home Loan
      "Charges are nominal"
      0.5 4.0/5 "Great!"
      Its very quick service and processing time is minimal so i have taken the home loan from HDFC and the interest rate also nominal and charges are also. They have approved the loan in 10 days. I have chosen the tenure period of 10 years for the loan amount of Rs. 40 lakhs. The website should be improved in HDFC.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2019
    • HDFC Limited Home Loan
      "Rate of interest should change proactively"
      0.5 5.0/5 "Blown Away!"
      As per the demonstration policy HDFC limited is charging 9.20% of interest but SBI have already decreased the floating interest rate for housing loan. My principal amount is Rs. 16 lakhs for the duration of 20 years, there was no processing fee or insurance fee taken from the loan. But only concern about the interest, they should provide the best rate as per the market, and the process should happen proactively.
      Was this review helpful? 2
      , new delhi
      Reviewed on Sep 14, 2019
    • HDFC Limited Home Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I got my home loan from HDFC LIMITED because the builder has processed the loan. I have purchased a residential property before 4 years. The rate of interest is nominal and they have scheduled for floater plan. The processing fee is charged. The loan duration is 15years. The customer service is good.
      Was this review helpful? 2
      , mumbai
      Reviewed on Sep 14, 2019
    • HDFC Limited Home Loan
      "Need affordable interest"
      0.5 3.0/5 "Satisfactory"
      I arranged the money from other source hence I didn't take the home loan from HDFC Ltd but the drawback is they have higher rate of interest. However my expectation is upto 8 of interest hence I didn't go head for further procedure. It would be great if they reduce the rate of interest, that would be more convenient for the customer.
      Was this review helpful? 2
      , jaipur
      Reviewed on Sep 13, 2019
    • HDFC Limited Home Loan
      "Wonderful Experience"
      0.5 5.0/5 "Blown Away!"
      My home loan process was hassle free, I took Rs. 30 lakhs for the duration of 30 years. I submitted general documents like KYC, property documents, form 16 within a weeks time the amount credited in my account. At the time Hdfc branch manager was my friend they took care of everything.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 12, 2019
    • HDFC Limited Home Loan
      "People friendly loan"
      0.5 3.0/5 "Satisfactory"
      HDFC Home loan service is not that much good. Comparing to Government sector, interest rates are in a higher part. At the time of process, HDFC people helped me a lot and they came to my place and they have collected all my documents hence i don't need to bother about the process. Whenever I'm sending mails, they are giving reply immediately.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Sep 07, 2019
    • HDFC Limited Home Loan
      "Interest rate should be affordable"
      0.5 4.0/5 "Great!"
      The loan process was easier for getting home loan from HDFC Limited, within expected time they sanctioned the amount. I submitted the KYC documents, property papers to them I took the loan around Rs. 35 lakhs with 10 years of loan period. They gave higher interest rate its far when compared to market.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 06, 2019
    • HDFC Limited Home Loan
      "Good to go with HDFC Limited"
      0.5 4.5/5 "Excellent!"
      From HDFC limited I took the home loan, the documentation was simpler with required documents. More over they supported well to get it on time. The follow up was prompt, the field executive gave me door step service multiple times. Only one or two time I went to the bank. I took the loan amount Rs. 17 lakhs for the duration of 15 years. They taken processing fee around Rs. 9000 from the disbursement.
      Was this review helpful? 3
      , bangalore
      Reviewed on Sep 06, 2019
    • HDFC Limited Home Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Ltd Home loan through Online and got all the required information about the loan process through the agent .I am unable to avail this loan since my Mother passed away due to this reason cancelled the plan.I have submitted required documents as well.I have received proper follow up and response form HDFC Ltd.
      Was this review helpful? 2
      , jaipur
      Reviewed on Sep 05, 2019
    • HDFC Limited Home Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      My salary account belongs to HDFC, when I applied for the housing loan the process was smooth. My dedicated relationship manager from the bank, they done the entire process, I applied for the loan amount of Rs.40 lakhs, overall I am fine with them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 03, 2019
    • HDFC Limited Home Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken a home loan from HDFC LIMITED on 4 years before which was processed directly to bank. The loan amount which was given for a sufficient amount for the tenure period of 20 years. But I have done down payment at earlier and now decreased to tenure of 10 years. The interest charges for this loan of 8.55%.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 03, 2019
    • HDFC Limited Home Loan
      "Service is Good"
      0.5 5.0/5 "Blown Away!"
      Chosen my home loan from HDFC its because of the easy accessibility and there is no lengthy process. I bought the loan amount of Rs. 12 lakhs for the tenure period of 15 years. They took 2 months to sanctioned the loan. There was some documents which i need to submit from my end thats the reason it got delayed. They have offered me a interest rate of 8.35%.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 30, 2019
    • HDFC Limited Home Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken a home loan on 3 months before with HDFC bank , offers got from bank end. So the executive came and collected all the documents and process was done on delay to sanctioned more than 4 months. The loan amount which was sufficient for the tenure period of 15 years. The rate of interest was nominal and fee 1%.
      Was this review helpful? 6
      , chennai
      Reviewed on Aug 30, 2019
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