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NRI (Non Resident Indian) Home Loans

Features
  • Maximum Loan Amount
    Loan Amount Maximum Funding*
    Upto Rs 75 lacs 80%
    Above Rs 75 lacs 75%

    * Subject to valuation of the property as assessed by HDFC and repayment capacity of the individual as assessed by HDFC
  • Maximum Term
    Certain Professionals - 20 years
    Others - 7 years
  • Applicant and Co- Applicant to the loan
    Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be co- owners.
  • Adjustable Rate Home Loan
    Loan under Adjustable Rate is linked to HDFC's Retail Prime Lending Rate (RPLR). The rate on your loan will be revised every three months from the date of first disbursement, if there is a change in RPLR, the interest rate on your loan may change. However, the EMI on the home loan disbursed will not change*. If the interest rate increases, the interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases.
    * Conditions Apply

  • Interest Rate

    Salaried and Self-employed professionals :
         
    Wef : 1st December, 2013 RPLR: 16.75%  
     
    Loan Slabs Applicable Variable rates %
    ( Monthly Rest Basis )
    Basis : RPLR minus Spread
    Upto and including Rs 30 lacs 10.50% to 11.00% RPLR - 6.25 to - 5.75
    Over Rs. 30 lacs 10.75% to 11.25% RPLR - 6.00 to - 5.50

    Click here to view our special interest rates

    Self-employed non-professionals :
         
    Wef : 1st December, 2013 RPLR: 16.75%  
     
    Loan Slabs Applicable Variable rates %
    ( Monthly Rest Basis )
    Basis : RPLR minus Spread
    Upto and including Rs 30 lacs 10.50% to 11.00% RPLR - 6.25 to - 5.75
    Rs 30.01 lacs to Rs 3.00 Cr. 10.75% to 11.25% RPLR - 6.00 to - 5.50
    Rs 3.01 Cr. to Rs 5.00 Cr. 11.00% to 11.50% RPLR - 5.75 to - 5.25
    Rs 5.01 Cr. And above 11.25% to 11.75% RPLR - 5.50 to - 5.00

    Click here to view our special interest rates

    The above rates are subject to change without notice.


Purpose
  • 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.