HDFC Reach Home Loan

Home Extension Loans/Top Up Loans/Home Improvement loans/ Home Loans

80% of total cost of property

Plot Loans and Non Resident Premises Loans

60% of total cost of property

Loans against property

50% of total cost of property

Any Loan Amount

8.75% p.a. to 14% p.a.

Any Loan Amount

9.25% p.a. to 14.50% p.a.

Any Loan Amount

9.75% p.a. to 15% p.a.

1. For any kind of loans which are sanctioned to individual borrowers, prepayment fees will not be charged on partial or full repayment.
2. The loans which are sanctioned to the individual borrowers who have mentioned a firm, company, etc., as a co-applicant, the prepayment charges are applicable at 2% of the prepayment amount plus taxes and statutory levies.
3. Documents need to be submit in order for HDFC to check the source of funds at the time of prepayment of the loan.

1. Prepayment fees will not be charged for any payments, in part or full, made from own sources. The term 'own sources' means any source other than borrowing from a Bank/NBFC/HFC or any other Financial Institute.
2. Documents need to be submitted in order for HDFC to check the source of funds at the time of prepayment of the loan.

Fixed Rate period

1. Prepayment charges are applicable at 2% plus taxes and statutory levies on the prepayment amount being paid refinance from any particular financial institution, bank, NBFC or HFC. The fee is levied on full or partial prepayments for all loans sanctioned.

1. Documents need to be submitted in order for HDFC to check the source of funds at the time of prepayment of the loan.

Variable Rate period :

1. For loans which are sanctioned to individual borrowers, prepayment fees will not be charged on partial or full repayment.
2. The loans which are sanctioned to the individual borrowers who have mentioned a firm, company, etc., as a co-applicant, the prepayment charges are applicable at 2% of the prepayment amount plus taxes and statutory levies.

Up to Rs.500

Up to Rs.200

Up to Rs.500 plus applicable taxes

Rs.3,000 plus taxes for customers who are employed. For self employed customers, Rs.4500 plus taxes.

Up to Rs.200

Up to Rs.500

Identity & Residence Proofs (Only one required)

1. Valid Passport
2. Voters ID Card
3. Aadhaar Card
4. Valid Driving License

1. Valid Passport
2. Voters ID Card
3. Valid Driving License
4. Aadhaar Card

Income proofs/ certificates

1. PAN Card
2. Most recent salary slips (of the last three months)
3. Bank Statements from the previous six months
4. Updated passbook (with salary credits)
5. Your most recent Form 16

1. PAN, TAN Card
2. Income Tax Returns as well as compilation of income for the previous three Assessment Years
3. Balance Sheet of the previous three years
4. Profit & Loss A/c Statements, with Annexures / Schedules
5. (Points 2 & 3 must be of both the personal and the business unit and verified by a Chartered Accountant)
6. Current A/c Statements for the last 6 months of the business unit and info about your own Savings Account Statements

Other papers and documents

 Employment ContractAppointment Letter if your present job is less than one year oldBank statements of the last six months to show that other ongoing loans are paid back regularly.Your passport size photograph (and that of co-applicant if any) to be attached on the Loan Application Form, which has to be signed across.Cheque towards processing charges favoring the HDFC Bank  

 Business profileMost recent Form 26 ASMemorandum and Articles of Association of the CompanyList of Directors and stakeholders certified by a Chartered Accountant or CS if the business unit is an organization.Partnership deed if your registered company is a partnership firm.Every information regarding ongoing mortgages of the applicant or his/ her own business unit including the due amount, repayments, security, objective, balance loan tenure among others.Your passport size photograph (and that of co-applicant if any) to be attached on the Loan Application Form, which has to be signed across.Cheque towards processing charges favoring HDFC Bank.