Now create your own space with HDFC Home Loans.


Home Extension Loans



Key Features


Over the years as you create your own space in life, your family and its needs also grow. A growing family requires an extended house to comfortably accommodate all its requirements. With HDFC's Home Extension Loans you can now add more space to your home ensuring that all your family needs have an extra room for expression.

Loans to extend or add space to your home such as additional rooms etc
Simple repayments through monthly instalments
Available for both existing and new customers
Easy and hassle free documentation

Home Extension Loan Eligibility Details



Primary Applicant

  • Age

    21-65 years

  • Profession

    Salaried / Self Employed

  • Nationality

    Resident Indian

  • Gender

    All Genders

Co Applicants

  • Adding Co-Applicant helps in maximizing the loan amount.

  • Adding Women Co-Owner helps in getting better interest rate.

  • All co-applicants need not be co-owners. Generally co-applicants are close family members.

Home Extension Loan FAQs

It is a loan to extend or add living space to your home such as additional rooms and floors etc.

Any person who wishes to add space to their existing Apartment/Floor/Row house can avail a Home Extension Loan from HDFC. Existing home loan customers can also avail a Home Extension Loan.

You can avail a Home Extension Loan for a maximum term of 20 years or till your age of retirement ,whichever is lower.

Interest rates applicable on home extension loans do not differ from the interest rates of home loans.

Yes. You are eligible for tax benefits on the principal and interest components of your home extension loan under the Income Tax Act, 1961. As the benefits could vary each year, please do check with our Loan Counselor about the tax benefits which you could avail on your loan.

Security of the loan would generally be security interest on the property being financed by us and / or any other collateral / interim security as may be required by us.

HDFC will disburse your Home Extension Loan in installments based on the progress of construction/renovation as assessed by HDFC.

You can find a checklist regarding documents required and applicable fees & charges on https://www.hdfc.com/checklist#documents-charges


Key Features


Over the years as you create your own space in life, your family and its needs also grow. A growing family requires an extended house to comfortably accommodate all its requirements. With HDFC's Home Extension Loans you can now add more space to your home ensuring that all your family needs have an extra room for expression.

Loans to extend or add space to your home such as additional rooms etc
Simple repayments through monthly instalments
Available for both existing and new customers
Loans at Home Loan interest rates
Easy and hassle free documentation

Home Extension Loan Eligibility Details

SELF EMPLOYED PROFESSIONAL (SEP)

  • Doctor
  • Lawyer
  • Chartered Accountant
  • Architect
  • Consultant
  • Engineer
  • Company Secretary, etc.

SELF EMPLOYED NON-PROFESSIONAL (SENP)

  • Trader
  • Commision Agent
  • Contractor etc.

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