Throughout our life, we strive hard to accumulate wealth but don’t get the wishes fulfilled. Each one of us has the desire to decorate our house, to select the interiors and design the walls according to our taste. But all this is not possible in the rented house. We need to abide by the rental agreement and follow what landlord says. Rented house is just a shelter over the head where we live and move away after a certain period of time.
It cannot make you feel like home where you live a stress free life without worrying about paying the rent. You cannot connect with it and proudly say to others “It is my house”. While I know nothing can give more joy than the comfort of living in one’s own house but it is also true that not everyone has the opportunity to get the one. The reason behind it is the shortage of funds. Money hinder the access to our dream home.
If you too are sailing in the same boat and identify yourself stuck in the same situation then here is the perfect solution for you. You can take the HDFC Home loan from and get your dream home.
HDFC helps the people to accomplish their dream of owning a house. The bank provides loan for various purpose description of which is stated below:
Purpose for which loan is provided:
Home Loan: This can be availed by applicants who wish to purchase or construct a home. A person can make an application individually or jointly with another co-applicant.
Home Improvement Loan (HIL): The interior of the house actually reflects the owner’s preference or taste. It therefore, becomes important to upgrade or beautify it as per the changing times. After all, nobody wants to live in a house that is not repaired since ages, isn’t it? The bank offers HIL which facilitates external and internal repairs like painting, roofing, flooring, waterproofing or tiling.
Home Extension Loan (HEL): In case you wish to extend your house by adding a new bedroom for your child or study room for yourself, then this product perfectly fits the bill for you. This product offers you much needed financial support when you wish to extend your house to meet the growing needs of your family.
Plot Loans: You can get your home uniquely constructed at a place of your choice by availing the plot loan. The repayment option is customized to suit the needs of the customer.
How To Apply
The candidates interested in availing the loan from HDFC can apply for it either by visiting the bank branch or can apply online at official bank website. HDFC Bank disburses Home loan through HDFC Ltd. So, the applicant can directly apply for the loan there as well. You can apply directly, visit the nearest office, place a call or send an SMS.
Documentation Required
The customer needs to provide various documents in order to avail the loan. Various documents that need to be submitted by the bank are stated below:
- Completely filled application form
- Two photos of passport size
- Proof of Identity- Aadhar card/PAN card/Passport/Driving License/Voter ID card
- Proof of Residence- Passport/Electricity bill/Telephone bill/Voter ID card
- Proof of Income- For Salaried individuals: Bank Statement of the last six months, Latest salary slip and Form 16. For Self-employed- Profit & Loss account and audited balance sheet of the last three financial years along with income tax returns of the last three years
- Proof of Business for self-employed individuals
- Documents relating to property- Allotment letter copy/Buyer agreement and a receipt of payment which is made to the developer
- Other important documents- A cheque for processing fee favouring ‘HDFC Ltd.’, Memorandum and Articles of Association, Partnership deed in case of a partnership firm
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