Home Loans For Resident Indians

For the purchase of

  • Flat, row house, bungalow from developers
  • Existing freehold properties
  • Properties in an existing or proposed co-operative housing society or apartment owner's association
  • First Power of Attorney purchases in Delhi for DDA flats allotted before 1992.
  • Refinance (balance transfer) of an existing home loan from another financial institution.
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  • Maximum Loan Amount
    Loan Amount Maximum Funding*
    Upto Rs 75 lacs 80% of the property cost
    Above Rs 75 lacs 75% of the property cost
    * Subject to market value of the property and repayment capacity of the individual, as assessed by HDFC
  • The maximum period of repayment of a loan shall be upto 30 years (Telescopic Repayment option) under the Adjustable Rate Home Loan product.
  •      The maximum period of a loan shall be upto 20 years under the Fixed Rate Home Loan product.

  • Apply individually or with a co-applicant
  • Adjustable Rate Home Loans


Processing Fees

For Salaried & Self Employed Professionals

Up to 0.50% of the loan amount or Rs.2,000 whichever is higher, plus applicable taxes

For Self Employed Non-Professionals

Up to 1.50% of the loan amount or Rs.3,000 whichever is higher, plus applicable taxes


Available Repayment Options



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 required, if the property is under construction.