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HDFC Housing finance Ltd. offers home loans to individuals who are salaried or self-employed. The bank offers very competitive interest rates and longer repayment tenure on home loans. HDFC is a preferred bank for home loans since it allows affordable home loan EMI starting at only Rs. 646 per Rs. 1 lakh of loan. The loan provider also extends legal and technical counselling for home loan borrowers. Read on to find out the details of home loan offerings by HDFC housing finance ltd.
Mentioned below are the details of the different home loan offerings by HDFC Housing Finance Ltd:
HDFC Rural Housing Loan
HDFC Reach Home Loan
HDFC Home Improvement Loan
HDFC Balance Transfer Loans
HDFC Top Up Loans
HDFC NRI Home Loans
HDFC Home Extension Loan
Here are the interest rate and other important details surrounding HDFC Housing Finance Ltd home loans:
HDFC Bank and HDFC Ltd. come under the umbrella of HDFC Group. However, both these are separate entities. While HDFC Ltd. mainly provides housing finance, HDFC bank looks after the banking operations and financial product offerings of the financial establishment. On behalf of HDFC Ltd. HDFC bank offers home loans to residents of India. Customers can feel free to approach either of these lending institutions to apply for a home loan.
1. How can I repay my HDFC home loan?
HDFC home loans can be repaid through different payment modes including, standing instructions to the bank for making loan instalment payments via ECS (Electronic Clearing System). A borrower can also opt for direct debit of monthly instalments from salary by contacting his/her employer. Alternatively, one can issue post-dated cheques towards EMI.
2. How can I pay my HDFC home loan payment online?
HDFC home loan EMI can be paid online by providing standard instructions (SI) to the bank such that the loan instalments are deducted in a timely manner from the borrower’s bank account via ECS (Electronic Clearing System).
3. How can I close my home loan online?
To close an HDFC home loan online, one can get in touch with the loan officer to know the exact process. Alternatively, one can go through the process stated on the bank’s website.
4. Can I close the HDFC home loan early?
Yes, an HDFC home loan can be prepaid early after one has paid at least 12 months of home loan EMIs. HDFC also provides an ‘Accelerated Repayment Scheme’ to prepone the loan repayment for free. This allows borrowers the flexibility to increase their loan EMIs to repay the home loan faster.
5. When can I apply for an HDFC top-up loan?
One can apply for an HDFC top-up loan after the existing home loan has been disbursed and the applicant is in possession of the property or the property construction is complete.
6. What is the minimum salary for a home loan in HDFC?
The home loan amount offered by HDFC bank for salaried employees depends on their repayment capability. This is determined basis their age, total dependants, educational qualification, existing liabilities, credit track record, etc.
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