Home Loan

Apply for Home Loan Online in HDFC Bank

HDFC Bank offers among the most feature-packed home loan in India. Besides free document storage, get approvals on your home loan even before you choose a property. We also provide guidance on buying a property when you apply for home loan.

With quick processing and attractive interest rates, HDFC Bank’s home loans are hassle-free and customer-friendly. In addition, women who apply for home loans are eligible for lower interest rates.

HDFC Home Loans come with unlimited benefits. Get approvals even before you select your property, or ask us for help while acquiring a property, and you're well on your way to finally buying a house that defines who you are.

Home Loan Features

HDFC Bank offers numerous benefits on home loans. Enjoy smooth and easy processing, and no hidden charges. Our additional home loan benefits include counselling and advisory services for acquiring a property, and free and safe document storage.

You can also enjoy home loan benefits of flexible repayment options and the option to buy a home anywhere in India.

We offer a slew of additional features on home loans for agriculturists, planters, horticulturists and dairy farmers, and have special benefits on home loans for agriculturists.

  • Variety of Loan Options
    • Home Loan: Home loans for individuals to purchase (fresh/resale) or construct houses. Application can be made individually or jointly.
    • Home Improvement Loan (HIL): The interiors of any home reflect the personal preferences and tastes of its owners making it imperative to constantly upgrade to keep up with changing times. HIL facilitates internal and external repairs and other structural improvements like Painting, Waterproofing and Roofing, Plumbing and Electrical Works, Tiling and Flooring, Grills, Aluminium Windows, Compound Walls and much more.
    • Home Extension Loan (HEL): HEL for adding more space to your existing home for meeting the requirements of your growing family. Be it an extra bedroom for your children, a reading room for yourself or a cosy coffee corner. It is easy to extend your home anyway you like.

    *Conditions apply. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd

  • Automated Repayment of EMIs
    • You can give us standing instructions to repay your Home Loan EMIs directly from HDFC Bank Savings Account, thus, saving you the trouble of procuring, signing and tracking post-dated cheques.
  • Different Offerings for Different People
    • HDFC offers specially designed Home Loans for:
      • Agriculturists
      • Planters
      • Horticulturists
      • Dairy Farmers
  • Special Home Loan Scheme for Agriculturists
    • Loans for farmers to buy or construct houses/apartments in several of cities/towns of their choice
    • Home loans in residential areas of villages
    • Loan eligibility on the basis of agricultural land owned and the kind of crops being cultivated by farmers
    • No mortgage of agricultural land required for the purpose of home loans
    • No mandatory requirement of Income Tax Returns from farmers applying for home loans
  • Rural Housing Finance for Salaried and Self Employed
    • Home Loans for Government & Private Sector Employees for rural properties in residential areas
    • Home Loans for Businessmen, Traders etc. who are filing Income Tax Returns for the last three years for properties in rural residential areas
    • Home Loans for NRIs also in rural residential areas
  • The HDFC Advantage
    • Pioneer of Housing Finance in India with over 35 years of lending experience
    • For over 3 decades, shared the hopes and joys of 4.4 million customers who have been nurturing the dream of home ownership
    • Most experienced and empowered personnel to ensure smooth & easy processing
    • Transparent dealing. All charges mentioned upfront while giving you the loan quote. No hidden charges
    • Counselling and advisory services for acquiring a property
    • Loan approval even before a property is selected
    • Loan from any HDFC office for purchase of home anywhere in India
    • Flexible loan repayment options
    • Free & safe document storage

Home Loan Documentation

Read about the required documents for home loan below.

The following documents are required along with your Home Loan application:

AgriculturistsSalaried CustomersBusinessmen – Professionals
Application form with photographApplication form with photographApplication form with photograph
Identity and Residence proofIdentity and Residence proofIdentity and Residence proof
Last 6 months bank statementsLast 6 months bank statementsLast 6 months bank statements
Processing fee chequeProcessing fee chequeProcessing fee cheque
Income Documents
Copies of Title Documents of Agricultural Land depicting Land holdingLatest Salary SlipEducational Qualifications Certificate and Proof of Business
Copies of Title Documents of Agricultural Land depicting crops being cultivatedForm 16Business Profile and Previous 3 years Income Tax returns (self and business)
Statement of previous 2 years of loans availedPrevious 3 years Profit/Loss and Balance Sheet

Disclaimer: This is an indicative list only. Additional documents may be asked for on a case-to-case basis.
* The house/property should be within area of operations of HDFC Ltd offices.
** All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd.

Home Loan Rates & Fees

We offer competitive home loan interest rates. Refer to this section to know more about home loan interest rates, along with home loan fees and charges.

Festive Offer
 Salaried / SEP Self Employed
Home/HIL/HEL/RefinanceApplicable Interest Rates
Upto 75 Lakhs%%
Above 75 Lakhs  
Top-up Loans
 Applicable Interest Rate
Top-up Loans for existing customers8.40
Rates applicable to Top-up with Balance Transfer LoansSame as HL Slabs
TruFixed Loans - 2 Years
Home / HIL / HEL / RefinanceApplicable Interest Rate
Upto 75 Lakhs%%
Above 75 Lakhs  

*The above ROI is applicable for Salaried cases only, where a woman is an owner/co-owner and an applicant/co-applicant, under Adjustable Rate Home Loan(ARHL). The rates above are variable in nature and linked to HDFC's RPLR and shall fluctuate according to the movement in the same. This is a limited period offer and is subject to change.The interest rate is available for customers who apply for loan on or before November 30, 2017 and avail of their first disbursement on or before December 31, 2017. Under TRUFIXED Home Loan product, the interest rate is fixed for 2 years. The fixed interest rate period will be linked to the date of the first disbursement. At the end of the fixed interest rate period, the home loan will automatically switch to the Adjustable Rate Home loan as applicable then. All home loans are from HDFC Ltd. Credit at sole discretion of HDFC Ltd. Terms and conditions apply.

*Please note that all the above services attract service charges, as applicable.


Result 18 votes
Not Useful Happy Somewhat Useful Useful Very Useful
Loan EMI Calculator from 0 per month


Home lone by Prem pal:

Me private job krta hu institute me meri salary 25000 h
Mujhe home lone mil sakta h
Mujhe Rs 1000000 cahiye

Home lone by Prem pal:

I need home lone

Leave your messages

Loan calculator
Loan amount
Loan maturity
5 years
30 years
Paid on interest:
Monthly payment: