Documente Academic
Documente Profesional
Documente Cultură
Credit Shield
In case of death or total permanent disability of the loanee,the loanee/nominee can avail of
the Payment Protection Insurance (Credit Shield) which insures the principle outstandings
on the loan upto a maximum of the loan amount.Principle outstanding is defined as the
amount of loan outstanding (not including any arrears in payment or interest thereon) at the
Date of Loss,having accounted for payments made and interest accruing as determined in
the Policy. Hence,the amount covered does not include any principal added because of non
- payment of EMI and also will not include interest/ accrued charges.*
* Premium will be charged for both these products which will be deducted from the loan
amount at the time of disbursal .A transaction fee of Rs.750 will also be deducted at the time
of disbursal. Please note that service tax @ 10% and Education cess of 3% will also be
charged.
2. Home Loans Features & Benefits
Home Loan - Home loans for individuals to purchase (fresh / resale) or construct
houses. Application can be made individually or jointly. HDFC finances up to 85%
maximum of the cost of the property (Agreement value + Stamp duty + Registration
charges) based on the repayment capacity of the customer.
Home Improvement Loan - HIL facilitates internal and external repairs and other
structural improvements like painting, waterproofing, plumbing and electric works, tiling
and flooring, grills and aluminium windows. HDFC finances up to 85% of the cost of
renovation (100% for existing customers) subject to market value of the property..
Home Extension Loan - HEL facilitates the extension of an existing dwelling unit. All
the terms are the same as applicable to Home Loan.
Land Purchase Loan - Be it land for a dream house, or just an investment for the
future, HDFC Land Purchase Loan is a convenient loan facility to purchase land. HDFC
finances up to 85% of the cost of the land (Conditions Apply). Repayment of the loan can
be done over a maximum period of 15 years.
Choose from Fixed Rate or Floating Rate with options to structure your loan as
Partly Fixed or Partly Floating.
This pure risk plan is designed in a way that the cover decreases as you repay your
home loan making it a low cost premium insurance plan.
*Insurance is the subject matter of solicitation.
Automated Repayment of Home loan EMI - You can give us standing instructions to
repay your Home Loan EMIs directly from your HDFC Bank Savings Account, thus,
saving you the trouble of procuring, signing and tracking post-dated cheques.
HDFC also offers In-house scrutiny of Property documents for your complete peace
of mind.
Customer privileges - If you are an existing HDFC Home Loan customer, you can
avail of other loans (such as Personal Loans, Car Loans, Two-wheeler Loans and Loan
against securities) at lower interest rates.
SMART DRAFT
Minimum documentation
No pre-closure charges
Freedom to use limit through Cheque book, ATM, online transfer, etc.
Easy documentation
Single Scrip Lending - up to 50% of the value with any Depository Participant. (please contact us to know
the drawing power of the scrips) Click here to know more.
Pay interest only on the amount outstanding and only for the
time you use it.
Customized product to suit your needs and structured specially for you.
HEALTHCARE FINANCE
Product Offering
Balance Transfer / Takeover : Transfer your equipment loans from other financiers at attractive interest
rates with us.
Funding for Imported Equipment's : Finance on imported equipment's by opening a Letter of Credit or
through Telegraphic Transfer.
Refinance / Used Asset Finance : Funding against your existing lien-free assets.
Hospital Infrastructure Finance : Funding for real estate / infrastructure to meet your growing
expansion plans.
Loan Features
WAREHOUSE RECEIPT
Features & Benefits
Customer privileges - Existing asset relationship customers can avail a special Top-Up loan facility.
Stock insurance cover - We also offer you stock insurance facility for commodity stocked.
EDUCATIONAL LOANS
Residential Property
LIC/NSC/KVP
Repayment to start 1 year after course completion / 6 months after obtaining employment (whichever is
earlier)
CAR LOAN
Features & Benefits
Borrow up to 3 times your annual salary (for salaried professionals) and 6 times your annual income
(for self employed professionals)*.
Hassle-free documentation.
Customer Privileges
If you are an HDFC Bank account holder, we have special rates for you.
If you have had a Preferred Account or a Corporate Salary Account with HDFC Bank for more
than six months, you can get fast approvals on your loans with minimal documentation.
If you are an existing HDFC Bank Car Loan customer with a clear repayment of 12 months or more
we can Top-Up your car loan to the extent of the original loan value.