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HOME LOAN

We as a company believe in providing all services under one roof and the client should get solutions both for assets and liability requirements. Thus we have tied up with the name which is synonymous with Home Loans- HDFC ltd. Your work might take you anywhere but the yearning for a dream house remains unabated. With Home Loans turning your dream home into a reality, is convenient and easy.

We understand that a home is not just a place to stay. It is much more than that. It is a warm little corner of the world that is yours, tailored to your tastes and needs. It is the place where you celebrate the joys and enjoy the journey called life. There is no place like ‘home’ and with HDFC Home Loans you can gather hope, achieve your dreams and create memories in your own space.

A home loan (or mortgage) is a contract between a borrower and a lender that allows someone to borrow money to buy a house, apartment, condo, or other livable property. A home loan is typically paid back over a term of 10, 15, or 30 years.

Types of home loans available in the market are:

  • Home Construction Loans

  • Home Improvement Loans

  • Home Extension Loans

  • Land-Purchase Loans/Plot Loans

  • NRI Home Loans

Benefits of Availing Loans

  • Loans  for the purchase of a flat, row house, or bungalow from private developers in approved projects in India

  • Loans for the purchase of properties from Development Authorities such as DDA, MHADA, etc.

  • Loans for construction on a freehold/leasehold plot or a plot allotted by a Development Authority in India

  • Loans for the purchase of properties in an existing Co-operative Housing Society Apartment Owners’ Association Development Authorities settlements or privately built-up homes

  • Attractive interest rates

  • Avail of Home Loan Advisory Services in the country where you currently reside

  • Property Search Advisory Services – expert legal and technical counseling to help you make the right home-buying decision

  • Valuable insights on developer projects, location, documentation, and offerings

  • Loan for purchase of property located anywhere in India

  • Loans are also available for those employed in the Merchant Navy

REQUIRED DOCUMENTS

  • One Passport size photograph

  • Last 3 months' Salary Slips

  • Last 6 months' Bank Statements, showing salary credits

  • Latest Form-16 and

  • IT returns

  • Company Profile

  • Processing Fee

Other than the above following documents are required:

For New Homes:

  • Copy of the Allotment Letter / Buyer Agreement

  • Receipt/(s) of payment/(s) made to the developer

For Resale Homes:

  • Title Deeds including the previous chain of the property documents

  • Receipt/(s) of initial payment/(s) made to the seller

  • Copy of the agreement to sell (if already executed)

For Construction:

  • Title Deeds of the Plot

  • Proof of no encumbrances on the property

  • Copy of the plans, approved by the Local Authorities

  • Construction estimate by an Architect / Civil engineer Please

Note:   All documents are to be self-attested. The above list is indicative and additional documents can be asked for.

FINANCIAL SERVICES