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Great work happens when you have a great workplace. So why not build a workplace that is uniquely yours, a workplace that is a reflection of your beliefs. HDFC's Commercial Plot Loan helps you acquire commercial land so that you can build the office of your dreams.
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Step 1: Visit the website of the online home loan provider – https://www.hdfc.com
Step 2: Click on ‘Apply for Home Loan’
Step 3: To find out the home loan amount you are eligible for, click on ‘Check Eligibility’.
Step 4: Under the ‘Basic information’ tab, select the type of housing loan you are looking for (home loan, house renovation loans, plot loans, etc.). You can click on the link beside the loan type for more information.
Step 5: If you have shortlisted a property, click on ‘yes’ in the next question and provide the property details (state, city and estimated cost of property); if you haven’t yet decided on the property, select ‘no’. Fill in your name under ‘Applicant’s Name’. If you want to add a co-applicant to your home loan application, select the number of co-applicants (you can have a maximum of 8 co-applicants).
Step 6: Under the ‘Applicants’ tab, select your residential status (Indian / NRI), provide the state and city you are currently residing in, provide your gender, age, occupation, retirement age, email ID and mobile number, gross/total monthly income, and EMI paid each month for all existing outstanding loans.
Step 7: You will then be taken to the ‘Offers’ tab where you will see home loan products that you can avail of, the maximum loan amount you are eligible for, the EMI payable and the loan tenure, interest rate and whether the interest is fixed or floating.
Step 8: Select the loan product you would like to apply for. You will be taken to the home loan application form where the details you have already provided (such as your name, email ID, etc) will be prefilled. Fill in the balance details – your date of birth and password and click on ‘Submit’.
Step 9: You will then be required to upload all the documents.
Step 10: Now all you have to do is pay the processing fees and your online housing loan application is complete.
HDFC is India’s premier housing finance company offering a wide range of home loan products that are customized to your needs and can be comfortably repaid over a longer tenure. HDFC’s end-to-end digital home loan application process, integrated branch network across the county and 24X7 online assistance can make your home owning journey a memorable one.
You can now apply for a home loan online in 4 simple steps with HDFC’s quick and easy apply online module.
The following points need to be kept in mind before applying for a home loan
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Check your housing loan eligibility before starting your home loan application |
Avoid making an application for an adhoc loan amount without checking your eligibility |
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Go through the list of documents required and keep them ready before starting your online application process |
Don’t leave out submitting important documents. |
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Be clear about the type of loan you need (home loan, home improvement loan, plot loan, etc.) |
Don’t ignore you CIBIL score while making your loan application (your score has an impact on your loan application) |
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Read the FAQs before starting your loan application process |
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You could use the online chat facility if you have any queries. |
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Make sure you provide all the details that the home loan provider will need to process your application. |
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This is loan for purchase of a new or existing commercial plot. An existing Commercial Property Loan(Plot) from any other bank/financial institution can also be transferred to HDFC.
Self Employed persons like Doctors,Lawyers,Chartered Accountants and Business Owners can avail a Commercial Property Loan(Plot) for building an office or a clinic thereon.
You can avail a Commercial Property Loan for a maximum term of 15 years or till your age of retirement ,whichever is lower.
You can find a checklist regarding documents required and applicable fees charges on https://www.hdfc.com/checklist#documents-charges
HDFC will determine your Home Loan Eligibility largely by your income and repayment capacity. Other important factors include your age, qualification, number of dependants, your spouse's income (if any), assets & liabilities, savings history and the stability & continuity of occupation.
EMI refers to the ‘Equated Monthly Installment’ which is the amount you will pay to us on a specific date each month till the loan is repaid in full. The EMI comprises of the principal and interest components which are structured in a way that in the initial years of your loan, the interest component is much larger than the principal component, while towards the latter half of the loan, the principal component is much larger.
You can apply for a Home Loan at any time once you have decided to purchase or construct a property, even if you have not selected the property or the construction has not commenced.
‘Own Contribution’ is the total cost of the property less HDFC’s home loan.
For your convenience, HDFC offers various modes for repayment of your house loan. You may issue standing instructions to your banker to pay the installments through ECS (Electronic Clearing System), opt for direct deduction of monthly installments by your employer or issue post-dated cheques from your salary account.
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Buying a house is one of the biggest and most important decisions of a lifetime. A good house is essential for the all-round well-being of a family. Its purchase therefore requires...
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