HDFC Bank Home Loan

CIBIL Score

• CIBIL score preferably above 750

Required Documents

• PAN Card or Form 60 (If the customer does not have a PAN Card)
• Passport, the validity of which has not expired.
• Driving license which has not expired.
• Election /Voters identification card
• Job card issued by NREGA duly signed by the officer of the State Government
• Letter issued by the National Population Register containing details of name, address.
• Proof of possession of Aadhaar Number (to be obtained voluntarily)
• Last 3 months' Salary Slips
• Last 6 months' Bank Statements, showing salary credits
• Latest Form-16 and IT returns
• Income Tax Returns along with computation of income for at least the last 2 Assessment Years (of both the individual and the business entity and attested by a CA)
• Copy of the Allotment Letter / Buyer Agreement
• Receipt/(s) of payment/(s) made to the developer
• Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across.

Loan Processing Charges

• For Salaried/Self-employed Professionals: Up to 0.50% of the loan amount or Rs 3,300, whichever is higher
• For Self-employed Non-Professionals: Up to 1.50% of the loan amount or Rs 5,000, whichever is higher

Features

• Loan Amount (LTV Ratio) - Up to 90% of property cost
• Loan Tenure Up to 30 years
• Customised Repayment Options
• Easy documentation
• 24x7 assistance
• Online loan account
• Home Loans for purchase of properties from Development Authorities such as DDA, MHADA etc.
• Loans for purchase of properties in an existing Co-operative Housing Society or Apartment Owners' Association or Development Authorities settlements or privately built-up homes.
• Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority.
• Expert legal and technical counselling to help you make the right home buying decision.
• Integrated Home Finance branch network for availing and servicing the Home Loans anywhere in India.
• Special arrangement with AGIF for Home Loans for those employed in the Indian Army. To know more
• Home Loans for purchase of a flat, row house, bungalow from private developers in approved projects
• Home Loans for purchase of properties from Development Authorities such as DDA, MHADA etc.