Apply Online for a 4-BHK Home Loan
- Approval in 4 Simple Steps
- Minimal Documentations
- Customized Repayment Options
Choosing the right financing is just as important as choosing the right 4-BHK home. An HDFC Bank Home Loan for homes helps you plan your purchase with clarity, offering competitive interest rates, flexible repayment options, and a convenient digital application process.
Whether you are buying your first home or adding to your property portfolio, HDFC Bank supports your journey with reliable and transparent Home Loan solutions.
Your EMI for a home is determined by:
Planning your budget is easier when you know your EMI in advance. HDFC Bank’s Home Loan EMI Calculator helps you estimate your monthly instalment for a 4-BHK home. Simply enter the loan amount, tenure, and applicable interest rate.
The calculator instantly shows your estimated EMI, total interest payable, and an indicative repayment schedule. This allows you to assess affordability, compare tenure options, and plan your finances confidently before applying for a Home Loan.
Applicants must meet basic criteria related to age, income stability, and credit profile. Documents generally include identity proof, address proof, income details, bank statements, and property documents. Requirements may vary by applicant type and property status.
For detailed eligibility criteria and the complete list of required documents, visit HDFC Bank’s official Home Loan page.
All rates are benchmarked to Policy Repo Rate. Current applicable Repo Rate = 5.25%
| Special Housing Loan Rates for Salaried & Self Employed (Professionals & Non-Professionals) | |
|---|---|
| Loan Slab | Interest Rates (% p.a.) |
| For All Loans* | Policy Repo Rate + 2.50% to 7.95%= 7.75% to 13.20% |
For home loan approval, you need to submit the following documents for applicant / all co-applicants along with the completed and signed Loan application form.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted] | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✅ | ✅ | |
| 2 | Driving license which has not expired. | ✅ | ✅ | |
| 3 | Election /Voters identification card | ✅ | ✅ | |
| 4 | Job card issued by NREGA duly signed by the officer of the State Government | ✅ | ✅ | |
| 5 | Letter issued by the National Population Register containing details of name, address. | ✅ | ✅ | |
| 6 | Proof of possession of Aadhaar Number (to be obtained voluntarily) | ✅ | ✅ |
A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.
Yes. HDFC Bank allows you to apply online by submitting basic details and uploading the required documents digitally.
Home Loans for purchase of a flat, row house, bungalow from private developers in approved projects.
Home Loans for purchase of properties from Development Authorities such as DDA, MHADA etc.
Loans for purchase of properties in an existing Co-operative Housing Society or Apartment Owners' Association or Development Authorities settlements or privately built-up homes.
Loans for construction on a freehold / lease hold plot or on a plot allotted by a Development Authority.
Expert legal and technical counselling to help you make the right home buying decision.
Integrated Home Finance branch network for availing and servicing the Home Loans anywhere in India.
Special arrangement with AGIF for Home Loans for those employed in the Indian Army. To know more, click here
Home loan approval in 4 simple steps.
Tailor-made home loans to suit your requirements.
Apply with minimal documents, save time and effort.
Connect with us on Chat, WhatsApp anytime, anywhere
Login to your account to conveniently manage your loan.
Visit the HDFC Bank Home Loan section.
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