HDFC Bank Standard Home Loan
Primary Lending Institution:HDFC Bank Ltd.
Up to ₹50 Crore home loan at 8.50% – 9.40% with Up to 30 years tenure.
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without formal town planning permits.
What is HDFC Bank Standard Home Loan?
India's benchmark private home loan with pan-India builder approvals, instant digital in-principle sanction, and customized EMI plans.
Key Benefits & Features
Over 50,000 pre-approved projects across India; doorstep document assistance; seamless digital disbursement tracking; customized repayment options.
Property & Project Eligibility Requirements
Approved society, developer apartment, or freehold property with approved map.
Borrower Eligibility Criteria
Salaried or self-employed individuals with monthly income ≥ ₹25,000.
How to Apply (3 Verified Paths)
Apply online through net banking portal or visit lending branch with loan inquiry.
Apply online at https://www.hdfcbank.com/personal/borrow/popular-loans/home-loan with digital KYC and property details.
Visit nearest branch of the institution with income proofs and sale agreement.
Documents Required Checklist
Aadhaar Card, PAN Card, Last 3 months salary slips or 2 years ITR-V, 6 months bank account statement, Title deed, Approved building plan and municipal tax receipts.
Frequently Asked Questions
What is the maximum loan tenure available for HDFC Bank Standard Home Loan?
The maximum repayment tenure offered for HDFC Bank Standard Home Loan is Up to 30 years, subject to borrower's age not exceeding 65 years at loan maturity.
What are the processing charges and prepayment rules for HDFC Bank Standard Home Loan?
The processing fee is 0.50% of loan amount (Min ₹3,000) + GST. As per RBI guidelines, zero prepayment penalties apply to all individual floating-rate home loans.
What documents are required to apply for HDFC Bank Standard Home Loan?
Applicants must provide KYC (Aadhaar, PAN), 3 months salary slips or 2 years ITR with computation, 6 months bank statements, and clear property title documents with municipal sanctions.
Why does HDFC Bank Standard Home Loan require property approval in a formal layout?
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible without formal town planning permits.