Home Loan Balance Transfer

• Simple & Easy Digital Application Process
• No hidden charges
• Customized repayment options to suit your needs

Apply for Balance Transfer

Avail Top Up on existing Home Loan

• Maximum Top Up Loan of ₹50 lacs*
• Loans for existing customers
• Attractive Interest Rates

​​​​​​Apply for Top-up Loan

Wide Range of Home Loans

Take your pick from our different types of Home Loans for hassle free financing:

• Home Loans: Individual or joint Home Loans to buy fresh/resale property or to construct a house..

• Home Improvement Loans (HIL): The interiors of your home embody your personality and taste. As such, you would want to leave no stone unturned in truly bringing your vision to life. You can rely on Home Improvement Loans from HDFC Bank for internal and external repairs and restructuring. This loan covers various home repair/renovation activities like painting, waterproofing and roofing, plumbing, electrical work, tiling and flooring, grills, windows, compound walls, and much more.

• Home Extension Loan (HEL): HDFC Bank also offers Home Finance designed to help you add more space to your existing home for growing needs. Whether it is an extra bedroom for your children, a home office, or your very own library room, this loan lets you carve out that extra space with easy financing.

• Top Up Loan: Existing customers can avail of a Top Up Loan on their existing Home Loan at attractive interest rates. Get a Top Up amount up to Rs 50 lakh.

• Balance Transfer: Is your current Home Loan weighing you down? Transfer it over to HDFC Bank with our Balance Transfer facility and enjoy all the perks that come with being an HDFC Bank customer. You can initiate the Home Loan Balance Transfer online with our simple and easy digital process.
  
  ​​​​​​​​​​​​​​

*Conditions apply. All Home Loans from HDFC Ltd. Credit at sole discretion of HDFC Ltd.

Automated Repayment of EMIs

While EMIs allow you to repay the borrowed amount at your own pace, we understand that it can often get challenging to remember the payment deadlines. To help with that, HDFC Bank allows you to set standing instructions for EMI payments to get deducted directly from your HDFC Bank Savings Account. This facility also saves you the trouble of procuring, signing, and tracking post-dated cheques. With automated EMIs, you will never default on your payments and be able to maintain a good credit history.

Different Offerings for Different People

HDFC Bank recognises that different people have different requirements and offers Housing Loans specially designed for :

• Agriculturists

• Planters

• Horticulturists

• Dairy Farmers

Special Home Loan Scheme for Agriculturists

• Loans for farmers to buy or construct houses/apartments in several of cities/towns of their choice
• Home loans in residential areas of villages
• Loan eligibility on the basis of agricultural land owned and the kind of crops being cultivated by farmers
• No mortgage of agricultural land required for the purpose of home loans
• No mandatory requirement of Income Tax Returns from farmers applying for home loans

Rural Housing Finance for Salaried and Self Employed

• HDFC Bank offers special Home Loans for (Non-Resident Indians) NRIs as well as government and private sector employees who wish to purchase rural properties in residential areas. Businessmen and traders who have been filing their ITR for the past three years too can avail of these loans.

Why Choose HDFC Bank?

HDFC Bank has over 35 years of lending experience. As pioneers in housing finance, we have helped over 4.4 million people achieve their dream of home ownership.

Our staff consists of some of the most experienced and empowered personnel in the industry to ensure that your Home Loan application sails through with ease. Most importantly, we believe in working with integrity and honesty. Our dealings are transparent with charges mentioned upfront.

At HDFC Bank, you can also avail of counselling and advisory services for acquiring property. Additionally, our customers get free and safe document storage too.

Go ahead and apply for a Home Loan from an HDFC Bank office close to you or through our website.

Home Loan Repayment

At HDFC Bank, you can repay the Home Loan through affordable Equated Monthly Instalments (EMIs). EMIs start in the month subsequent to the month of disbursal of the loan amount (except for under-construction properties wherein EMI can begin even after partial disbursement).

For your convenience, HDFC Bank offers a Home Loan EMI Calculator for you to plan your finances with ease. Plus, you can also issue standing instructions to your dedicated HDFC Executive Representative to pay the instalments through ECS (Electronic Clearing System). You can also opt for direct deduction of monthly instalments by your employer or issue post-dated cheques from your salary account.

Counselling Services

We also offer professional advisory services to homebuyers to help them make the right decision.

*Terms and Conditions apply – Features and Benefits may vary subject to corporate offer