HDFC Bank NRI Home Loans – Interest Rates 2023, Eligibility and Documents

HDFC NRI Home Loan: Get Details on Home loans For NRI from HDFC Bank. Check Interest Rates, Documents, EMI, Eligibility and Other Fee & charges charged by Bank.

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HDFC Bank Home Loan Details 2023

Loan upto 30 lakh 8.60% – 9.35%
30 Lakh to 75 Lakh 8.85% – 9.40%
Above 75 Lakh 8.95% – 9.50%
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Max. loan amount abv 30 lakh 75% – 80%
EMI Per Lakh Rs.776

Features & Benefits

  • Maximum loan
    80% of the cost of the property (including the cost of the land) and based on the repayment capacity of the customer.
  • Maximum Term
    Certain Professionals – 20 years
    Others – 7 years
  • Applicant and Co- Applicant to the loan
    Home Loans can be applied for either individually or jointly. Proposed owners of the property, will have to be co-applicants. However, the co-applicants need not be co- owners.
  • Adjustable Rate Home Loan
    Loan under Adjustable Rate is linked to HDFC’s Retail Prime Lending Rate (RPLR). The rate on your loan will be revised every three months from the date of first disbursement, if there is a change in RPLR, the interest rate on your loan may change. However, the EMI on the home loan disbursed will not change*. If the interest rate increases, the interest component in an EMI will increase and the principal component will reduce resulting in an extension of term of the loan, and vice versa when the interest rate decreases.



Application form with photograph
Photocopy of the Employment Contract or Labour Contract and English translation countersigned by your employer
Latest salary certificate (in English) specifying the following:

  • Name (as it appears in the passport)
  • Date of joining
  • Passport Number
  • Designation
  • Perquisites and salary
Photocopy of Identity card / Labour card
Photocopy of latest work permit
Photocopy of valid resident visa stamped on the passport
Overseas Bank Account and NRE/NRO statement for the last six months.
Continuous Discharge Certificate (CDC)- if applicable
Latest Credit Bureau Report [Applicable to customers residing in countries where Credit Bureaus exists. eg. USA, UK etc.]
Property related documents
Processing fee cheque
  • Purchase of
    • Flat, row house, bungalow from developers
    • Existing freehold properties
    • Properties in an existing or proposed co-operative housing society or apartment owner’s association
    • First Power of Attorney purchases in Delhi for DDA flats allotted before 1992.

No Charges for

  • Replacement of cheques
  • Income Tax Certificates
  • Accelerated Repayment Option

Multiple Repayment Option

  • Step Up Repayment Facility
  • Flexible Loan installments Plan
  • Tranche Based EMI
  • Accelerated Repayment Scheme

Security for the loans

  • Security for the loan is a first mortgage of the property to be financed, normally by way of deposit of title deeds and/or such other collateral security as may be necessary. Interim security may be required, if the property is under construction.
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Top Banks for Home Loans in India
Banks Interest Rates
SBI 8.60% - 9.65%
HDFC Bank 8.65% - 9.35%
ICICI Bank 8.75% - 9.80%
LIC Housing Finance8.50% - 10.50%
PNB Housing 8.50% - 11.95%
Axis Bank 8.75% - 9.15%
Bank of Baroda 9.15% - 10.50%
Canara Bank 8.90 %- 11.25%
Aadhar Home loan N.A