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Buying a house is one of the biggest and most important decisions of a lifetime. A good house is essential for the all-round well-being of a family. Its purchase therefore requires meticulous planning and careful consideration. You need to assess your requirement and apply for the most suitable housing loan.
HDFC offers a wide range of housing loans to cater to the varied needs of different sets of consumers. Our diversified portfolio of loan offerings includes loans for purchase of a new apartment from a developer or a development authority as well as for purchase of resale properties.
If you want to construct your own house, you can avail of a loan for the purchase of a plot and construction thereon.
A home improvement loan facilitates home renovation while you can get a home extension loan to fund the cost of adding more floors or rooms to your existing house.
On completion of one year of loan repayment, you can apply for a Top-Up Loan for additional funds which can be used for a variety of personal or professional needs.
We also offer rural housing loans to farmers, agriculturists, planters and horticulturists for purchase of a residential property in rural and urban areas, construction of a house and improvement or extension of their existing house property.
Another special product is the HDFC Reach Home Loan, designed for individuals who work in the unorganized sector. Our unique appraisal methodology now makes home ownership possible for this segment.
First time home owners can benefit from the Pradhan Mantri Awas Yojana Credit Linked Subsidy Scheme and get a subsidy of uptoRs.2.67 lac on your home loan amount.
Incase you have an existing home loan, you can opt for balance transfer to HDFC and take the advantage of lower home loan interest rates, better repayment terms and enhanced services.
You can apply for a loan at your convenience, anytime, anywhere through the ‘Apply Online’ feature on our website. Our online home loan application is a simple 3-step process with easy document upload, online payment of fees and a quick home loan approval. Read Less