HDFC Sales Home Loan


HDFC Sales Home loans are straightforward to apply for online. To apply for the loan, you only need identity proof and bank statements to get an instant loan within a few minutes. Loans are available in varying amounts at some of the lowest rates in the market. In addition, loan tenures are flexible for self-employed and salaried employees, allowing applicants to opt for long terms of up to 30 years.

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HDFC Sales Home Loan

  • Interest Rate

    7.55% - 8.05%

  • Loan Amount

    ₹5L - ₹10Cr

  • EMI Per Lakh

    ₹2,006 - ₹2,030

  • Processing Fees

  • Pre-Payment Charges


Features of HDFC Sales Home Loans

  • Loans can be availed for the purchase of flats, bungalows and row-houses from private construction companies in approved projects.
  • HDFC Sales provides loans on purchases from Development Authorities.
  • Loans can be availed for the purchase of properties from existing Apartment Owners Association/Co-operative Housing Society/Development Authorities settlements or privately built-up homes.
  • Loans are also provided for leasehold properties.
  • Acts as a legal and technical expert for making the right property choice.

Benefits of HDFC Sales Home Loans

  • Fully Digitized Process: With HDFC Sales, you can apply for a home loan from the comfort of your home. Once the loan is sanctioned, you can access your home loan account through the company’s website, request disbursement, check your account statement and retrieve your interest certificate.
  • Flexible Repayment Plans: With tailor-made repayment plans, you can customize your home loans according to your requirements.
  • Minimal Documentation: The hassle-free documentation process makes the HDFC Sales Home Loan application swift and easy.
  • Round-the-Clock Assistance: With 24/7 assistance at every step, you can ask queries and get help through chat on the website and via WhatsApp.

Fees and Charges for HDFC Home Loans 

Processing Fees 0.50% on the loan amount or INR 3,000 (whichever is higher)
Retention Amount 50% of applicable fees + applicable taxes
External opinion fees
  • Charged on actual basis
  • It is directly paid to the expert for the assistance rendered
Property Insurance Insurance is directly payable to the insurance provider
Late Repayments Liable to pay additional interest upto 24% p.a.
Incidental Charges
  • This covers costs, charges and other expenses
  • A copy of policy can be asked on request of the bank
Statutory and regulatory charges All the applicable charges shall be paid by the customer
Cheque Dishonoured INR 300
PDC Swap Upto INR 500
Disbursement Cheque Cancellation Charge Post Disbursement Upto INR 500
Re-Appraisal Of Loan After 6 Months From Sanction Upto INR 2,000+taxes
Reversal of Provisional Prepayment under HDFC Maxvantage Scheme INR 250+ applicable taxes

Documents Required for HDFC Sales Home Loan 

Identify and Residency
  • Passport
  • Driver’s licence
  • Pan Card
  • Voter ID
Income Proof
  • Salary Slip of past 3 months
  • Previous 6 months’ bank statement
  • Latest Form 16
  • IT Returns
Property Proof New Home
  • Allotment Letter copy
  • Payment receipts made to the developer
Resale Home
  • Title Deeds that include previous chain of property documents
  • Initial payment receipts made to the seller
  • A copy of agreement to sell
For Construction
  • Title deeds of plot
  • No encumbrances proof
  • Plan copies approved by local authorities
  • Construction estimate by civil engineer or architect
Other Documents
  • Own contribution documents
  • Employment card/appointment letter
  • Previous 6 months’ bank statements showing repayments of any ongoing loans
  • Passport sized photograph of the applicants and co-applicants to be affixed and signed
  • Cheque for processing fee favouring HDFC Ltd.


From refinancing to reducing your interest, we have the answers right here.

What are the eligibility criteria for HDFC Sales Home Loans?

HDFC Sales determines your eligibility primarily by analysing your income and credit history. Other factors include your age, CIBIL score, financial history and the number of dependents.

Do I get tax benefits from home loans?

Under the Income Tax Act 1961, you can avail of tax benefits on the principal and interest amounts.

What does EMI mean? How is it calculated?

An EMI means an estimated monthly instalment. It is the amount you pay to the bank monthly till the loan is fully repaid. The formula used to calculate the EMI is EMI = [P x R x (1+R) ^N]/ [(1+R) ^N-1]. Here, P stands for principal, R is the rate of interest, and N is the number of years.

What are the benefits of a co-applicant?

By adding a co-applicant, you can maximise the loan amount. If the co-applicant is a woman, you can avail of lower interest rates.

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